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How to Obtain a Florida Insurance Adjuster License

How to Obtain a Florida Insurance Adjuster License

When it comes to pursuing a career in insurance, becoming an insurance agent is not the only option. One of the hidden professional gems in insurance is the role of a claims settlement adjuster. There is a high demand for insurance claim evaluators for two reasons: a large number of adjusters are retiring while the number of claims remains constant. If you can work with numbers and people and want to pursue a career in insurance, then you should consider becoming a claims resolution adjuster.

Individuals who reside in Florida and wish to become an independent insurance adjuster / insurance company must obtain a Florida Claims Resolution License. With this license, you can become a team adjuster, an independent adjuster, or a general adjuster. These professionals are responsible for:

  • Settlement of claims, losses and damages
  • Determine the amount of damage, loss, or claim payable under the insurance contract.

Personnel controllers usually work exclusively for an insurance control company. They are usually salaried employees who receive benefits such as life insurance, health insurance, continuing education and a pension.

Independent insurance adjusters handle claims for many companies. They generally work as contractors for various outside administrators and insurance companies. These kinds of adjustments are sometimes called "disaster claim modifiers" because it occurs after major weather disasters and other emergencies.

Unlike the other two categories, policyholders pay general insurance brokers directly. They work directly on behalf of individuals and businesses to file an insurance claim if they believe that the settlement proposed by the insurance company is invalid.

Requirements for obtaining a Florida insurance Adjuster license

Let's take a look at the requirements to obtain your Florida insurance officer license. you have to:

  • Be a U.S. citizen or legal alien with a valid work license.
  • Be a Florida resident.
  • Be at least 18 years old.
  • Has a GED diploma or equivalent to be responsible for claims settlement. Some employers require a bachelor's or associate's degree, but this is not a prerequisite for obtaining a tuning license.
  • Pass the Florida licensing exam or state-approved CA pre-licensing course (and exam included).

You are exempt from taking the licensing exam if:

  • He has a property and casualty agent license (descriptions).
  • He is authorized to serve as a public official in Florida.
  • You have a certificate of insurance (with the required number of college credit hours in commercial, health, accident and property insurance from an accredited college or university.
  • You are licensed as a Florida General Lines dealer and wish to have a Florida 6-20 All-line adjuster license.

If you currently have a seizure license in another state for at least one year before moving to Florida, you must obtain a prior state authorization letter to verify your status. Once you have this, you must submit your fingerprints (per Florida DFS fingerprint requirements) and apply for a Florida license within 90 days of becoming a resident.

How to Apply for an Florida insurance Adjuster license

People who meet all the above requirements can proceed to the next step - apply for a tuning license. You must apply online, submit all necessary documentation (including proof of citizenship documents), process and present your fingerprints (in accordance with stipulated requirements), and pay the license and other associated fees. Applicants with a criminal record should check the state's list of incompetence offenses.

Once obtained, Florida requires the two accredited officers to complete 24 hours of continuing education (CE) every two years to maintain their valid license. The CE consists of 5 hours on updating laws and ethics, while the electives last the remaining 19 hours.

Obtaining a Reciprocal License

Claims resolution experts who are not Florida residents but have a valid license in their previous state can obtain a mutual license. However, your home state must have a reciprocal licensing agreement with the state of Florida. Applicants must first verify that Florida adjuster reciprocal licensing privileges to residents of their home states before applying. You should visit the Department of Financial Services website for more information.

If you love analyzing numbers, working with people, negotiating settlements, doing research work, and are interested in pursuing a career in the insurance industry, becoming a claims settlement administrator may be the right thing for you. There is a claims career for you, whether you prefer to work as a contractor or are looking for a steady 9 to 5 job. If you follow the steps and procedures above, you can obtain a Florida Adjustment License and be free to pursue your career goals.