FL Claims Adjuster
Florida Claims Adjuster License Exam
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ExploreAbout this exam
The Florida claims adjuster credential is a state license that authorizes a person to investigate, evaluate, negotiate, and settle insurance claims in Florida. The qualifying examination - commonly referred to as the All Lines Adjuster (6-20) exam - is administered for candidates who need to handle both property and casualty claim work, and it also serves as an entry point for people moving into claims from agency, underwriting, or customer-service roles. The exam is multiple choice and is organized into five roughly equal content areas: Florida insurance regulation and licensing, general insurance principles and concepts, property and casualty policy provisions, claims handling and investigation, and ethics and unfair trade practices. Because the ethics and unfair-practices material overlaps every other area, strong candidates study it early rather than saving it for the end. Preparation generally means working through a structured prelicensing course, then drilling policy language and claim-scenario questions until the terminology is automatic. Always confirm current exam logistics - scheduling, fees, and identification requirements - through the Florida Department of Financial Services and its designated testing vendor, since those details are set administratively and change over time. The Department also publishes tools for verifying that an adjuster's license is active.
What you'll study
About FL Claims Adjuster preparation
What format is the Florida claims adjuster exam?
It is a multiple-choice examination. Florida does not publish the exact item count, time limit, or passing score in the material summarized here, so treat any specific number you hear from a classmate or a forum as unverified and confirm it with the Department of Financial Services before you schedule.
How many questions are on it, and how long do I get?
Those figures are not established in the Department's published information summarized here. Rather than plan your pacing around a number you cannot confirm, contact the Department or the testing vendor when you register - the scheduling confirmation will state the actual item count and time allowance for your appointment.
What score do I need to pass?
The passing standard is not stated in the source material available here, and it is a frequent source of bad advice online. Confirm the current requirement with the testing vendor at registration. Prepare to a comfort margin rather than a bare minimum: aim to answer policy-provision and claims-handling items reliably, not just scrape by.
If I fail, how soon can I retake it?
The retake policy and any waiting period are not set out in the material summarized here, so verify the current rule with the Department or vendor before assuming you can re-sit immediately. In practice, candidates who fail usually lose points on the same two areas - policy provisions and Florida-specific regulation - so review your score report before rebooking.
In what order should I study the five content areas?
Start with insurance principles and policy provisions, because claims handling questions assume that vocabulary. Add Florida regulation and licensing next, then claims investigation and settlement. Keep ethics and unfair trade practices running throughout instead of cramming it at the end; those rules color how you answer scenario questions in every other section.
How do I confirm that an adjuster license is active?
The Florida Department of Financial Services provides a license lookup on its website, listed on the homepage as a tool to verify an agent's or adjuster's license. Use it to check your own license status after approval, and to confirm that anyone offering to handle claims on your behalf is actually licensed.
Who do I contact with licensing questions?
The Department of Financial Services is reachable at 1-877-MY-FL-CFO (1-877-693-5236), Monday through Friday. Per the Department's site, insurance assistance is available 9:00 AM to 3:00 PM and insurance agent and agency licensing is available 8:00 AM to 4:45 PM, with the Department noting that its website is the way to avoid hold times.
What trips people up most on this exam?
Three things: confusing first-party and third-party claim duties, memorizing policy definitions without being able to apply them to a short scenario, and underestimating Florida-specific regulation and unfair-practice rules because they seem like common sense. Scenario items reward people who can name the coverage trigger and the duty before reading the answer choices.