Florida Non-Resident Adjuster Licenses: A Guide to Licensing
The Florida All Lines adjuster license is the highest level of license for the claims profession in the state of Florida. The Florida non-resident license is available to residents of other states under certain conditions.
In all cases, the applicant must be at least 18 years old and a US citizen or lawful resident alien authorized to work in the United States. Upon application for the license, the applicant will be required to submit fingerprints for a background check. A conviction for a felony or other ‘crimes’ of moral turpitude will normally disqualify the license applicant.
If the applicant is from a state that requires adjusters to be licensed, that applicant must be licensed from the home state before FL will issue a non-resident license. If the applicant is from a state that does not require adjusters to be licensed, that person is eligible to apply for the FL All Lines license.
To qualify for licensure, an individual must take and pass the state exam, or qualify through a designation, such as the Accredited Claims Adjuster Designation offered by the University of Central Florida/University of Florida Insurance. The ACA Designation will excuse the applicant from the need to take the state exam.
The Florida license is sought after by those in the insurance industry due to its reciprocity with other states. In other words, once a person holds a Florida license, that same person will be eligible to obtain a license in other states with no requirements other than the filing of an application. Texas is one of the Florida reciprocating states and between Texas and Florida reciprocating, an applicant will be eligible for a license nationwide with very few exceptions. A list of Florida’s reciprocal states includes:
Arkansas: Independent Only
Connecticut: Independent, Public, and Business
Georgia: Independent and public adjusters only. (No license required for Company adjusters)
Illinois – Public Only
Kentucky: Independent, Public and Business
Michigan-Public and Independent
Minnesota-Independent and Public
Mississippi: Independent Only
New Mexico – Independent and Company
North Carolina: Independent, Public, and Business
Oklahoma: Independent, Public and Business
Oregon: Public and Independent
Pennsylvania – Public
South Carolina: For Businesses and Independents Only
Texas-Independent and Company
West Virginia – Independent, Public and Business
For more information on licensing, see the Accredited Claims Adjuster Designation information on the University of Central Florida website or call: (407) 927-1235. The license application is located online at the following web address: