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Florida Adjuster Instructions
This article, originally published in 2011, was updated in February 2019. 


With its high number of hurricanes and storms, Florida is historically one of the busiest states for catastrophic claims adjusting. Residents interested in working as a staff or independent claims adjuster must first obtain the Florida adjuster license. Nonresidents of Florida considering a career in catastrophic claims, particularly residents of states not requiring an adjuster license, should strongly consider obtaining a nonresident license in the “hurricane state.”

Complete the following steps to obtain and maintain your Florida insurance adjuster license:

Step 1 – Satisfy the Requirements

Resident Adjusters

  • Be at least 18 years of age.
  • Be a resident of the state of Florida.
  • Be a U.S. citizen or legal alien who possesses a work authorization for the Immigration and Naturalization Services.
  • Successfully complete one of the following (or meet one of the exemption requirements):
  • Individuals who meet any of the following criteria are exempt from taking the Florida exam:
    • Currently hold a license as a public adjuster in Florida.
    • Earned an insurance degree which includes at least 18 semester hours of college credit in property, casualty, health, and commercial insurance from an accredited college or university. (An official transcript is required.)
    • Currently hold a General Lines (Property and Casualty) Agent license.
    • Obtain a Letter of Clearance verifying you held an all-lines adjuster license (company or independent) for at least one year immediately prior to applying for a Florida license. Apply for a resident all-lines adjuster license within 90 days of becoming a Florida resident.

You can find additional details on the Department of Financial Services website.

Nonresident Florida Adjusters

  • Be at least 18 years of age.
  • Not be a resident of Florida.
  • Be a U.S. citizen or legal alien who possesses a work authorization for the Immigration and Naturalization Services.

Insurance adjusters who hold a valid license in their home state may apply for a reciprocal license, as long as their home state has a reciprocal licensing agreement with Florida. To check if Florida offers your state reciprocal licensing privileges, visit our Reciprocity Map.

If you live in a state that doesn’t license insurance adjusters, we highly recommend obtaining the Florida 70-20 Designated Home State (DHS) License.

  • To obtain the Florida 70-20 DHS License, you must complete one of the following:

Step 2 – Apply for the Appropriate Florida License

Once you have satisfied the requirements listed above, you’ll need to actually apply for your license, submit the appropriate paperwork, and pay your fees. Make sure you understand and are applying for the Florida license classification that meets your needs. This will be designated by you on the application.

In Florida, all insurance licenses require an appointment. Independent adjusters self-appoint by completing the following steps:

  • Go to MyProfile and log in to your account.
  • Select the “Access eAppoint” button under “Apply”. If you have never used eAppoint, you must first register and will need to select “Register to become an appointing entity.”
  • Once in the eAppoint Workbench, select the required tab (New Appointment, Renew Appointment, or Terminate Appointment) and follow the instructions on the page. You will need to remit the appropriate appointment fee(s). Appointments must be renewed every 24 months during the appointee’s birth month.

Step 3 – Maintain Your License

Florida requires 24 hours of continuing education (CE) every two years. The 24 hours must include the 5-Hour Law and Ethics update. The remaining 19 hours are electives. The reporting period for completing Florida CE is every 2 years by end of licensee’s birth month. AdjusterPro offers a host of online courses that are state-approved for insurance adjuster continuing education. Discounted packages or individual courses are available on our Florida Courses Page


Becoming a licensed Florida insurance adjuster is vital for those interested in working catastrophic claims in this time of volatile weather activity. Taking advantage of AdjusterPro’s Florida Certified Adjuster Designation ensures you can satisfy the state’s requirements while getting your license quickly and conveniently from your own home.

If you are ready to get licensed, or if you still have questions, check out some of the other resources we have available for those interested in a career in insurance adjusting.


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