How To Become An Insurance Adjuster In Florida
What Kind Of Insurance Adjuster Will You Be?
There are four main types of insurance adjusters: staff adjuster, independent adjuster, catastrophe adjuster, and public adjuster.
Each of these positions accomplishes essentially the same task: assess the damage to property brought about by some event and make an evaluation of what monetary value the insurance claim should carry.
The big difference between these different types of adjusters is who pays them, and in the case of the public adjuster, who they are advocating for. Staff, independent, and catastrophe adjusters all require the same type of license, while a public adjuster license is a little different in its specifications.
- Staff Adjuster – Works directly for an insurance company
- Independent Adjuster – Works for a third-party company who performs insurance adjuster work and is contracted by an insurance company
- Catastrophe (CAT) Adjuster – An independent adjuster who travels to an area that has been largely affected by an event (usually severe weather) and performs claims adjuster services en masse
- Public Adjuster – Is an advocate for the insurance customer, not the insurance company (requires a different type of license)
This article will cover a standard insurance claims adjuster license (sometimes known as an independent adjuster license), not a public adjuster license.
How To Get Your Insurance Adjuster License In Florida
Step 1. Adjuster Pre-Exam Education
Preparation for this exam is not something to take lightly, as the average pass rate of insurance exams nationwide is around 55% for first-time test-takers, and even less for any following attempts. We want you to pass your test the first time you take it.
Studying for this exam can take many different forms. The most common way to get prepared is to take an online study course. These courses are generally comprised of video and text with short knowledge quizzes to make sure you have a comprehensive understanding.
A slightly more minimal approach would be to purchase a state-specific study guide. These guides give you all of the facts that you need to pass the exam and maybe a bit less expensive than a course. They are, however, quite long and densely packed books, so be sure you are ready to tackle this task.
You should choose the method that fits best for you. Some people learn best out of a book, while others take in information better through video and short text. Remember, the goal is to pass your exam on the first attempt, so pick your best path forward and study hard.
Step 2. Florida Insurance Adjuster License Exam
Once you have completed all your coursework, you are now ready to take and pass the Florida Insurance Adjuster License exam.
This is a proctored test, which means that you will be in a controlled environment with a person watching over you. For people who haven’t tested in a situation like this should be aware of this fact, and work on taming their nerves prior to sitting for the exam. When you arrive at the exam location you must have a photo ID any other documents that the testing facility has asked you to bring.
Florida offers one line of authority for an adjuster: All Lines Adjuster. This exam consists of one hundred (100) questions and you will be given two hours (2:00) to complete it.
An outline of included subjects for the exam can be found here: Pearson Vue Florida Insurance Examination Content Outlines
Each attempt of the exam costs $44 and will be paid when you make your reservation.
A total score of 70% or more is required to pass this test. To further explain the scoring of the exam, we will quote the Pearson Vue Florida Insurance Licensing Candidate Handbook
When candidates complete the examination, they will receive a photo-bearing score report marked “pass” or “fail”. Candidates who pass the examination will receive a score report that includes a numeric score and diagnostic information relating to the examination. Candidates who fail the examination will receive a score report that includes a numeric score and diagnostic information relating to the examination, as well as information about reexamination. The passing score for all examinations is 70%. This score is computed by dividing the number of questions answered correctly by the total number of examination questions. Score reports are confidential and will be revealed only to the candidates and to the Department.”
Insurance license tests are intentionally difficult, but not impossible by any means. You should study to the point of comfortability with the information before you attempt the test. Failing the exam isn’t the end of the world, but keep in mind that you will need to pay the fee each time you attempt the test.
You may register to take your exams and find more information on the Pearson Vue Florida Insurance page or by calling Pearson Vue at (888) 274-2020.
Step 3. Florida Insurance Adjuster License Application
Once you have completed all your coursework and passed your examination, the next step is applying for your license.
The fee for an application is $55.
Apply online with the Florida MyProfile.
Step 4. Fingerprinting and Background Check
The State of Florida requires that all insurance license applications provide fingerprints prior to licensing. Giving your fingerprints will initiate a background check. If you have any prior misdemeanors or felonies, this may affect the outcome of your licensing efforts. If you have specific questions regarding things that may come up on your background check you may call the Florida Department of Insurance at (850) 413-3140 or send them an email.
You will process your fingerprints through IdentoGO. You must pass your exam before you make reservations. Appointments can be made on their website or by phone at (844) 321-2124.
The fee for fingerprinting services is $47.05.
Step 5. Application Review
Once you have submitted your application and have completed all the other requirements, your license application will be reviewed by the state. This process generally takes about ninety (90) days.
Depending on the results of your background check, the Department of Insurance may request more information or documentation.
After the review is complete, you will receive an email from the state regarding the status of your license. You may also check your MyProfile account for the status of your application.
You’ve done the work, put in the time and effort, and now hold the key to your own success! We’re proud of you. Take five (5) minutes and celebrate.
Florida Department Of Insurance Contact Information
Department of Financial Services
Bureau of Licensing, Room 419
200 East Gaines Street
Tallahassee, Florida 32399
Phone: (850) 413-3140
Email: [email protected]
Information on this page has been gathered by a multitude of sources and was most recently updated in May 2020.
Any Information on this site is not guaranteed or warranted to be correct, accurate, or up to date. StateRequirement and its members and affiliates are not responsible for any losses, monetary or otherwise. StateRequirement is not affiliate with any state, government, or licensing body. For more information, please contact your state's authority on insurance.
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