Florida Adjuster License Guide: Florida 6-20, 7-20, 70-20 Licenses

by Dan Tromblay, CLU, ChFC, FLMI, CDEI and Trevor Antley | May 06, 2021

Want to receive your Florida 6-20, 7-20, or 70-20 adjuster license without taking the state licensing exam? You can skip the state exam and receive another professional designation by your name by completing the WebCE Claims Adjuster Certified Professional (CACP) online designation program.

Florida Insurance Adjuster License Guide - FL 6-20 License, FL 7-20 License, FL 70-20 License, FL Public Adjuster Licenses

If you are seeking a Florida Insurance Claims Adjuster License, you’ve made a good choice. Whether you live in Florida or out of state, holding a Florida Adjuster License can be critical to a successful career, especially if you are interested in working nationwide. Florida is also one of the largest states in the U.S., so jobs for insurance professionals are abundant.

Florida offers multiple types of insurance adjuster licenses, so choosing the correct license can be a little confusing, especially to those new to the insurance industry. We’ve put together the following information as a helpful guide to help you choose the right type of license.

Types of Florida Adjuster Licenses

So, you want to be an insurance adjuster in Florida? The first thing you should know is that there are multiple adjuster license types in Florida, and it can be a little confusing trying to tell — or harder, remember — the difference. Fortunately, the WebCE team has you covered!

There are three main types of Florida adjuster licenses for new insurance professionals:

If you've never been licensed in Florida, then you'll need one of these three licenses, depending on whether you're a Florida resident and if not, whether your actual home state licenses adjusters.

There are a few other Florida adjuster licenses, like the FL 3-20/FL 73-20. These are public adjuster licenses, which require you to be licensed in Florida for six months to be eligible and so are not available to freshly-licensed adjusters. Historically, Florida offered other types of adjuster licenses that have since been discontinued after the state decided to consolidate adjusters primarily into the 6-20/7-20/70-20 license categories. The only other non-defunct adjuster license is the FL 0-70 Emergency Adjuster License, which is only available during states of emergency.

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Differences Between Florida Adjuster Licenses

Curious about the difference between each of Florida’s adjuster licenses? It can be hard to remember the difference between each license type and who is eligible for the license. To make it easier, we've broken down the details about Florida's adjuster licenses in the table below.

License Available To License Description/Purpose
Florida 6-20 Florida residents Adjuster license for Florida residents
Florida 7-20 Florida non-residents with an adjuster license in their home state Reciprocal adjuster license for non-residents
Florida 70-20 Florida non-residents whose home state does not license adjusters Designated Home State (DHS) adjuster license for non-residents
Florida 3-20 Florida residents with a 6-20 license who have six months experience as a public adjuster apprentice Public adjuster license for Florida residents
Florida 73-20 Florida non-residents employed as a public adjuster in their home state for at least six months Public adjuster license for Florida non-residents
Florida 0-70 Only available during state emergencies Emergency adjuster license
Florida 31-20 No longer available Originally the public adjuster apprentice license, now defunct1

1. Public adjuster apprentices in Florida are now appointed under the FL 6-20 Resident All-Lines Adjuster license.

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Florida 6-20 vs. 7-20 vs. 70-20 Adjuster Licenses

We know that the most common adjuster licenses in Florida are the 6-20 license, the 7-20 license, and the 70-20 license. Since you'll need one of these three licenses if you are a new adjuster, we're to help you learn more about Florida's adjuster licenses and what license type is right for you.

Let's look at each of these three license types in greater detail, including more detailed descriptions of the licenses along with their eligibility requirements. Our team of insurance license experts also answer common questions and provide important information on reciprocal licenses and designated home states.

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Florida 6-20 Adjuster License

What Is a Florida 6-20 Adjuster License?

The FL 6-20 Adjuster license (Florida 6-20 Resident All-Lines Adjuster License) is the insurance claims adjuster license available for Florida residents.

To be eligible for the FL 6-20 adjuster license, you must be a Florida resident, be at least 18, and you can't have a resident adjuster license in another state. License applicants are required to pass the state licensing exam, unless they meet at least one of the following exemptions:

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Florida 7-20 Adjuster License

What Is a Florida 7-20 Adjuster License?

The FL 7-20 Adjuster license (Florida 7-20 Non-Resident All-Lines Adjuster License) is an insurance claims adjuster license intended for non-Florida residents who hold an adjuster license in another state with which Florida has a reciprocal agreement. The licensee does not have to be a resident of the state where they have the reciprocal license.

This license is for any non-resident of Florida looking to handle Florida insurance claims. Most people who apply for this license are already licensed in their home state but want to be able to handle claims in Florida.

Just like the 6-20, this all-lines license is good for both staff and independent adjusters. The requirements to get the 7-20 license are the same as the 6-20, but most adjusters will get this license through reciprocity.

Requirements for a Florida Adjuster 7-20 License

To be eligible for a Florida 7-20 Resident All-Lines Adjuster License, you must be at least 18 and not be a Florida resident. Beyond that, license applicants are required to pass the state exam unless they meet at least one of the following exemptions:

  • Hold an insurance degree from an accredited college or university which includes at least 18 hours of college credit in property, casualty, health, and commercial insurance
  • Hold a General Lines (Property & Casualty) insurance license
  • Complete a state-approved online adjuster designation program like WebCE’s Claims Adjuster Certified Professional (CACP)

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Florida 70-20 Adjuster License

What Is a Florida 70-20 Adjuster License?

The FL 70-20 Adjuster license (Florida 70-20 Non-Resident Designated Home State (DHS) Adjuster License) is an insurance claims adjuster license available to individuals who are residents of a state that does not license adjusters, or to individuals who are company adjusters and reside in a state that only licenses independent adjusters and wants to designate Florida as their home state.

For more information on designated home states, see the designated home state section below.

Requirements for a Florida 70-20 Adjuster License

In order to be eligible for a Florida 70-20 Resident All-Lines Adjuster License, you must:

  • Be at least 18 years old
  • Be a non-resident of the state of Florida
  • Not have a resident adjuster license in any state
  • Not have a designated home state adjuster license in any state
  • Live in a state that does not offer a resident adjuster license, or be a company adjuster residing in a state that only offers a resident independent adjuster license

Applicants are required to pass a state licensing exam unless they meet one of the following exemptions:

  • Hold an insurance degree from an accredited college or university which includes at least 18 hours of college credit in property, casualty, health, and commercial insurance
  • Hold a General Lines (Property & Casualty) insurance license
  • Complete a state-approved online adjuster designation program like WebCE’s Claims Adjuster Certified Professional (CACP) course

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Designated Home States

What Is a Designated Home State?

Insurance professionals who live in a state that does not license claims adjusters can receive a non-resident adjuster license from another state by claiming that other state as their designated home state (DHS). Florida is one of the most convenient and most recommended states to receive your designated home state license.

This means out-of-state insurance professionals can apply for and receive a FL 70-20 Non-Resident Designated Home State (DHS) Adjuster License. Once you are issued your Florida 70-20 DHS adjuster license, you can apply for non-resident licenses in any state which accepts Florida as a DHS or has a reciprocal agreement.

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Benefits of a Florida Designated Home State (DHS) License

If you live in a state which doesn’t license adjusters and need a designated home state, there are benefits to choosing Florida as your DHS over other states. Benefits of a Florida 70-20 Designated Home State License include:

  • The 70-20 license is valid for four years — twice as long as most other states
  • The 70-20 license is affordable – currently the license application fee is $50, and only $10 for members of the United States Armed Forces
  • Florida processes license applications faster than any other state, usually the same day
  • The state license exam can be skipped if you complete a state-approved online adjuster designation program like WebCE’s Claims Adjuster Certified Professional (CACP) course

And once individuals receive their Florida 70-20 DHS license, the licensee receives all of the same benefits as Florida residents holding a 6-20 license. This includes the ability to easily apply for and receive reciprocal adjuster licenses in over 25 other states.

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Reciprocal States

What Is a Reciprocal License?

A reciprocal license is a license from another state received through the adjuster license reciprocity agreement many states hold with one another. Essentially, reciprocal licensing allows insurance adjusters to receive adjuster licenses from other states without taking that state’s licensing exam or completing any pre-licensing education requirements.

Once an individual has either an adjuster license in their home state or a designated home state (DHS) license, they will be eligible to apply and receive adjuster licenses in other states. The reciprocity agreement between states that makes this possible is important for any insurance adjuster who wants to be prepared to do business nationwide.

Note that while the reciprocal agreement exempts adjusters from taking the other state’s prelicense education and licensing exam, it does not exempt them from the state’s required licensing fees and application process.

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What States Offer Reciprocal Adjuster Licenses With Florida?

Once an individual holds a Florida 6-20 or 70-20 adjuster license, they can receive reciprocal licenses in over 25 other states and territories. This means adjusters licensed in Florida can easily apply for and receive licenses in any of these states without taking that state’s licensing exam.

STATES WITH FLORIDA RECIPROCAL ADJUSTER LICENSE AGREEMENTS
Alabama Arkansas Connecticut
Delaware Florida Idaho
Indiana Kentucky Louisiana
Maine Michigan Minnesota
Mississippi Montana Nevada
New Hampshire New Mexico North Carolina
Oklahoma Oregon Puerto Rico
Rhode Island
South Carolina
Utah
Washington
West Virginia Wyoming

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Public Adjuster Licenses

Florida Public Adjuster Licenses

The Florida 3-20 Resident Public Adjuster License and Florida 73-20 Non-Resident Public Adjuster License are exclusively for public adjusters. The Florida 3-20 license is for Florida residents and non-residents whose principal place of business is Florida, and the Florida 73-20 license is for other non-residents.

The FL 3-20 and FL 73-20 public adjuster licenses are the other major type of Florida adjuster licenses. We haven’t discussed these in the same detail since they are advanced licenses not for new adjusters. In order to qualify for a 3-20 public adjuster license, insurance adjusters who are Florida residents must hold a 6-20 or equivalent all-lines adjuster license for at least six months as a public adjuster apprentice.

Non-residents applying for a 73-20 public adjuster license must be licensed and employed as a public adjuster on a continual basis for the previous six months in their home state. If the applicant’s home state does not issue licenses for public adjusters, they must be licensed and employed as a resident insurance adjuster on a continual basis for the previous six months in either their home state or another state.

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Florida All-Lines Adjuster CACP Certification

Florida adjuster license candidates can receive their 6-20, 7-20, or 70-20 license without taking the Florida state licensing exam. License candidates can exempt themselves from the state exam by completing the Claims Adjuster Certified Professional (CACP) online designation program from WebCE. After the successful completion of the CACP 40-hour All-Lines Adjuster course, applicants will receive their CACP designation and qualify to receive their Florida All-Lines Adjuster License without taking the state exam.

CACP Certification Benefits

For claims adjusters in Florida, WebCE offers the CACP online designation program. There are a number of reasons to complete the WebCE CACP course:

  • License applicants with the CACP designation are NOT required to sit for the state adjuster examination
  • The WebCE CACP course is the most quality and affordable adjuster certification program that waives the Florida adjuster exam requirement
  • The 40-hour CACP program is entirely online so you can work on your course from home or at the office
  • The CACP certification course can be completed on your own time and at your pace
  • Completing the CACP course adds another professional designation after your name!
  • Holding professional designations can help your career — and your salary

Holding professional certifications and designations like the Claims Adjuster Certified Professional (CACP) designation demonstrates your training and knowledge along with a commitment to your career.

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Order CACP Training Course

The WebCE 40-hour CACP certification course is approved by the Florida Division of Insurance Agent and Agency Services and waives the state exam requirements to receive a Florida 6-20, 7-20, or 70-20 All-Lines Adjuster license. Holding a CACP designation can be used by Florida residents to apply for a 6-20 All-Lines Adjuster license and non-residents to apply for 7-20 and 70-20 All Lines Adjuster licenses.

The Claims Adjuster Certified Professional (CACP) designation is earned upon the successful completion of the FL Claims Adjuster Certified Professional Certification Course. To order the state-approved CACP certification course, click the button below, or call our world-class customer service team at 877-488-9308 to order your course or with any questions.

Florida Adjuster Exam Prep   Order CACP Course