Asked in InsuranceJob Training and Career QualificationsFlorida
Insurance
Job Training and Career Qualifications
Florida
How do you become a licensed independent insurance adjuster for the State of Florida?
Answer

Wiki User
December 17, 2009 3:46AM
Listen what Dan Kerr has to say about it. - With an extremely high number of hurricanes having made landfall, Florida is historically the busiest state for catastrophic claims adjusting. Florida residents interested in working as a staff or independent claims adjuster must first obtain the Florida adjuster license. Non-residents of Florida considering a career in catastrophic claims, particularly residents of states not requiring an adjuster license, should strongly consider obtaining a non-resident license in the "hurricane state". Follow these 3 steps to obtain and maintain your adjuster license in Florida: -------- In the related links below, I posted Dan Kerr enzine article.
Related Questions
Asked in Insurance
where could i take the insurance adjuster license in the next couple of day in florida along with an exactimate class?

You can take the florida insurance adjuster license at Adjuster
Pro: http://www.florida-adjuster-license.com/ below is some
information about the course: Certified Adjuster Course Overview:
The 4 day Florida Certified Adjuster Course (including exam)
satisfies all Florida Department of Financial Services requirements
for obtaining your Florida insurance adjuster license. Once
completed, you will simply submit your application to the state of
Florida. No further testing, no extra study materials, no
additional coursework. Once your application has been submitted,
you can expect to be a licensed Florida adjuster within weeks.
Asked in Insurance
What are the different adjuster licenses in Florida?

The highest level of licensing for an adjuster in Florida is
known as the All Lines License. There are three types: 1. The
company license is an insurance company employee, known as a 6-20
license; 2. The independent adjuster license is known as the 5-20
license; and 3. The public adjuster license is known as the 3-20.
The 5-20 and 6-20 can be obtained through a designation course
offered by the University of Central Florida/Florida Insurance
University. The course excuses the student from the state licensing
test. The 3-20 license requires a state exam. In addition, as of
January 1, 2009, the public adjuster applicant will have to serve a
12 month apprenticeship under a licensed public adjuster before
taking the state test. For more information go to:
www.ce.ucf.edu/pc_course.asp?prog=517
Asked in Insurance, Auto Insurance, Homeowner's Insurance
Who hires an insurance adjuster?

Both insurance companies and independent adjusting companies
hire insurance adjusters. Jobs are varied from entry-level to
catastrophe adjusters. Pay also varies from the mid-30's to six
figures.
Job boards such as monster.com and catadjuster.org post
available jobs. Companies typically look for licensed adjusters, so
it is best that someone interested in obtaining a job as a claims
adjuster first obtain his or her state's license.
Florida allows licensing through the ACA (Accredited Claims
Adjuster) Designation. The designation is offered through in the
University of Central Florida in partnership with Florida Insurance
University. The designation excuses the student from the state
licensing test.
Asked in Homeowner's Insurance, Liability Insurance
What is the difference between the ACA Designation and other adjuster designations in Florida?

The State of Florida authorized adjuster licensing by
designation in 2003. The first approved designation was the ACA or
Accredited Claims Adjuster designation. The ACA Designation offered
by the University of Central Florida, in partnership with Florida
Insurance University, is used by over 250 insurance and adjusting
companies. The program has qualified more than 1 out of 3 licensed
adjusters for the Florida license.
There are other designations that have been approved since 2003,
however it is significant that the Florida Department of Financial
Services, Florida Department of Transportation and companies such
as Allstate,, State Farm, Progressive Insurance and Liberty Mutural
Insurance all rely on the UCF program for licensing.
When considering a licensing designation program be sure to ask
the provider who the program trains.
Asked in Auto Insurance Claims, Homeowner's Insurance, Liability Insurance
What is a 'Claims Job' and what are the qualifications?

A claims job is employment wherein a claims adjuster
investigates, evaluates and negotiates insurance claims (losses).
The jobs are offered by insurance and independent adjusting
companies.
Most states have some licensing requirements and other
qualifications to work as a claims adjuster.
The state of Florida requires that an applicant qualify for the
license by either taking the state licensing exam, or by completing
a designation course such as the ACA (Accredited Claims Adjuster)
Designation through the University of Central Florida. The
designation excuses the applicant from the state test.
Asked in Liability Insurance, Homeowner's Insurance
What are the Reciprocal States for the Florida All Lines Adjuster License?

The Florida All Lines Adjuster License is reciprocal with the
following states:
Alabama - Independent adjusters only
Alaska - Independent adjusters only
Arkansas - Independent adjusters only
Connecticut - Independent, Public, and Company adjusters
Georgia - Independent and Public adjusters only. (Does not
require licensure for Company adjusters)
Idaho - Independent adjusters only
Illinois - Public adjusters only
Kentucky - Independent, Public, and Company adjusters
Maine - Adjuster can be Public and Independent adjsuters
Michigan - Public and Independent adjusters
Mississippi - Independent adjusters only
New Mexico - Independent and Company adjusters
North Carolina - Independent, Public, and Company adjusters
Oklahoma - Independent, Public, and Company adjusters
Oregon - Public and Independent adjusters
Pennsylvania - Public adjusters
South Carolina - Independent and Company adjusters only
Texas - Independent, Public, and Company adjusters
West Virginia - Independent, Public, and Company adjusters
Washington - Public and Independent adjusters
Wyoming - Independent, Public, and Company adjusters
Utah - Public and Independent adjusters
More information can be obtained by contacting Florida Insurance
University/University of Central Florida at (407) 927-1235; email:
flainsu@mail.ucf.edu
Ask for: Dr. Michael Birzon
Website: www.ce.ucf.edu/pc_course.asp?prog=517
Asked in Insurance, Auto Insurance, Liability Insurance
What is the Florida All Lines License?

The Florida All Lines License is the highest level of licensing
for a Florida Claims Adjuster. There are three types of All Lines
licenses:
1. The 6-20 Company license is available to insurance company
employees; 2. The 5-20 Independent license is available to anyone
not a direct insurance company employee; 3. The 3-20 Public
Adjuster license (represents property owners against insurance
companies)
The 6-20 and 5-20 licenses are available through the Accredited
Claims Adjuster designation offered by the University of Central
Florida/Florida Insurance University. The designation excuses or
exempts the applicant from the state licensing exam.
The 3-20 license requires passing the state licensing test and
posting a $50,000 surety bond. As of January 2009, additional
requirements regarding an apprenticeship and new continuing
education will take effect.
Asked in Insurance, Florida
Is the Florida Adjuster License accepted in other states?

Yes, the Florida All Lines adjuster license has many reciprocal
states, including Texas, NC and GA. Once an adjuster holds the
Florida license, the reciprocal states will grant that adjuster a
non-resident license. Ultimately, a claims adjuster could work
throughout the United States beginning with the Florida All Lines
License.
Asked in Salary and Pay Rates, Auto Insurance, Liability Insurance
What is the purpose of the 40 hour Accredited Claims Adjuster Designation?

The purpose of the 40 hour Accredited Claims Adjuster
Designation is to fulfill the pre-licensing requirement for the All
Lines Claims Adjuster license for the state of Florida. The
designation exempts the student from the state exam. Subjects
covered include Auto, Homeowner Insurance, Workers Compensation,
Florida Statutes and many others.
Asked in Law & Legal Issues, Insurance, Auto Insurance
Who offers approved FL adjuster licensing courses?

The FL adjuster All Lines License may be obtained by
designation, which means the student is excused from the state
licensing test for the Independent and Company license.
The University of Central FL/Florida Insurance University offers
the ACA Designation, which is the first and original designation
authorized by the state of FL in 2001. In addition, this is the
only designation approved for the licensing of Public Adjusters in
FL.
There are other schools who have approved courses, such as All
Lines Training, AdjusterPro, Central Insurance School and several
others. Several questions to ask when selecting a training facility
are:
1. Which insurance or adjusting companies do you regularly
train?
2. When did you being offering courses in FL for adjuster
licensing?
The University of Central FL/Florida Insurance University has
trained over 250 insurance and adjusting companies.
Asked in Criminal Law
Do you need to hire a lawyer or attorney to start a title insurance company?

Yes, in most circumstances you would need the help of a lawyer
to set up your company and get the legal documentation or licenses.
For example, in Florida only an attorney licensed by the Florida
Bar or an individual licensed as a Title Agent by the Florida
Department of Insurance may act as an Authorized Signatory for an
insurer.
Asked in Homeowner's Insurance, Florida
What are the requirements for a Public Adjuster License in Florida?

A Public Adjuster represents property owners in insurance claims
for damage to property. A PA is paid a contingency fee (a
percentage of the claim recovered).
In order to become a Public Adjuster in the State of Florida, an
applicant must:
1. Be at least 18 years old;
2. Be a resident of the state or a licensed public adjuster in
another state for the non-resident license;
3. Take and pass the Accredited Claims Adjuster Designation
course;
4. Post a bond in the amount of $50,000;
5. Apply for, take and pass the state licensing exam for the
Public Adjuster Apprentice license (31-20);
6. Serve a one-year apprenticeship under the direction of a
licensed public adjuster.
A bond may be purchased from any insurance agency that sells
surety bonds. The cost will vary depending on an individual's
qualifications and credit score. The better the credit rating, the
lower the cost is likely to be.
Be sure to secure an apprentice position before spending money
on training or a bond!
Finally, the state test is a challenging licensing exam that
will take quite a bit of study and hard work. In the end, the hard
work will pay off with a full-fledged 3-20 Public Adjuster license
and a long, profitable career!
Asked in Insurance, Florida, Texas
What is all lines training for Florida adjusters?

Typically, all lines training relates to the All Lines insurance
adjuster license. There are companies which have used the term 'All
Lines' in their name, but for the purpose of claims adjusters, all
lines training relates to the highest level of Florida claims
adjuster licensing, the All Lines License.
Asked in Insurance, Life Insurance
What is a domestic insurance company?

A domestic insurance company is one that was first licensed
(received its Certificate of Authority) in the state in question.
That is, if the insurer were formed in Florida, according to the
then-existing Insurance Code of Florida, it would be a Florida
domestic insurer. It could then become authorized to transact
business in other states provided that it also complied with the
Insurance Codes of the other states.
An alien insurer is one that has been formed in another
country.