How to Obtain a Florida Insurance Claims Adjuster License
Insurance claims adjusters investigate claims and manage the work required to process them. They will investigate claims by interviewing those involved, consulting with professionals (such as police, physicians, engineers), reviewing photographs or written statements and inspecting property damage. The insurance claims adjuster will then plan and schedule work that they deem necessary to process the given claim. Adjusters frequently specialize in one type of claim, such as automobile, homeowner's insurance, bodily injury or worker's compensation.
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Instructions
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Choose which insurance claims adjuster license you wish to pursue, and submit your application. You need to choose the license that is right for the position you wish to attain. There are different licenses for job positions and Florida versus non- Florida residents. Choose and apply for one of the following licenses: resident public adjuster, resident independent adjuster, resident company employee adjuster, non-resident public adjuster, non-resident independent adjuster or non-resident company employee adjuster.
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Satisfy the insurance claims adjuster license basic requirements. You will need to fulfill these requirements for all of the licenses. You must be at least 18 years old, a U.S. citizen (or qualify to work in the United States), be fingerprinted at one of the Department of Financial Services locations and supply a letter of clearance if you have been licensed by another state within the past three years. Additionally, to qualify for the resident licenses, you will need to be a Florida resident.
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Satisfy license specific requirements (for resident licenses). Additional licensing requirements must be satisfied for each specific type of resident insurance claim adjuster license.
Resident public adjuster: Must pass Florida's public adjuster examination and file a $50,000 surety bond through the Department of Financial Services.
Resident independent adjuster: Must pass the Florida Adjusters Examination (or provide proof of an approved educational program) and file a $50,000 surety bond through the Department of Financial Services.
Resident company employee adjuster : Must pass the Florida Adjusters Examination (or provide proof of an approved educational program) and file a $50,000 surety bond through the Department of Financial Services. -
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Satisfy license-specific requirements (for non-resident licenses). Non-residents of Florida must fulfill the following additional requirements for licensure.
Non-resident public adjuster: Must be licensed and employed in the state of residence for the past three years (if the state issues licenses), take and pass the Florida's public adjuster examination and file a $50,000 surety bond through the Department of Financial Services.
Non-resident independent adjuster: Applicant's state must have reciprocal agreement with Florida or he/she will be required to take the Florida Independent Adjuster Examination.
Non-resident company employee adjuster: Must have a current letter of certification from the resident state (if the state requires licenses). -
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Maintain your claims adjuster license. For each of the licenses, 24 hours of continuing education is required every two years. Of these 24 hours, 24 must be in law and policy, and two must be in ethics.
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Tips & Warnings
If you have a criminal history, waiting periods and other requirements may be required before applying for your license.
