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 of age and a US citizen or legal 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 by 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 possesses a Florida license, that same person will be eligible to obtain a license in other states with no requirements other than filing an application. Texas is one of the reciprocal states of Florida and between Texas and the reciprocal of Florida, an applicant will be eligible to obtain a license throughout the country 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. (Does not require a license 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 Corporate
Oregon: Public and Independent
Pennsylvania – Public
South Carolina: For Businesses and Freelancers Only
Texas-Independent and Company
West Virginia – Independent, Public and Company

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 online at the following web address: