What Is the Florida 6-20 All-Lines Adjuster License?

The 6-20 Resident All-Lines Adjuster license is a Florida license for individuals who adjust insurance claims on behalf of insurers or, in certain circumstances, work as independent adjusters.

Florida recognizes both company employee adjusters and independent adjusters. A company employee adjuster works on an insurer's staff or for a qualifying wholly owned subsidiary. An independent adjuster may be self-appointed or appointed and employed by a licensed adjusting firm.

The work generally involves investigating and evaluating claims, determining the amount of loss or damage payable under an insurance contract, and assisting with claim settlement.

Florida's Department of Financial Services identifies the 6-20 as the resident All-Lines Adjuster license, while the comparable nonresident license is the 7-20.

Who Needs a 6-20 License (Staff vs Independent Adjusters)?

One of the advantages of the 6-20 is the range of career settings in which it can be used.

Company Employee Adjusters

A company employee adjuster works for an insurance company or qualifying subsidiary. These adjusters may handle claims directly for the insurer and can build a career within the carrier's claims organization.

Staff adjusting can provide a relatively structured career path, with opportunities to move into senior adjusting, claims supervision, specialty claims, or management.

Independent Adjusters

Independent adjusters work on behalf of insurers through an independent adjusting firm or other qualifying arrangement. This career path can provide more variety because an adjuster may work claims for different insurers or adjusting companies.

Independent adjusting can also be attractive to professionals interested in catastrophe deployments, where adjusters may travel to areas experiencing hurricanes, severe storms, wildfires, or other major events.

Public Adjuster Career Path

A 6-20 license can also be part of the pathway toward becoming a public adjuster. Florida requires a public adjuster apprentice to hold an all-lines adjuster license and have the appropriate appointment.

If public adjusting is your ultimate goal, the 6-20 can therefore be an important first step.

Eligibility Requirements for the 6-20 License

Florida establishes specific qualifications for a resident All-Lines Adjuster license.

Generally, a resident applicant must:

• Be at least 18 years old.
• Be a bona fide resident of Florida.
• Be a U.S. citizen or legal alien with appropriate work authorization.
• Meet Florida's character and trustworthiness requirements.
• Meet the applicable education, designation, experience, or examination requirement.
• Complete the application and required licensing steps.
• Complete fingerprinting.
• Obtain the required appointment for the license to become active.

Florida provides multiple ways to satisfy the education and examination qualification. An applicant may qualify through certain approved adjuster designations, an applicable insurance degree, a current Florida General Lines license, qualifying prior licensure, or by taking the state examination when required.

6-20 Pre-Licensing and Training Options (Online vs Classroom)

One of the most important decisions you'll make is how to complete your Florida 6-20 adjuster training.

Traditional classroom education can work well for students who prefer scheduled instruction. However, online training has become an increasingly practical option for adults who are balancing work, family, and other responsibilities.

Online 6-20 Adjuster Training

An online Florida 6-20 license course allows you to complete your training on your own schedule. You can study in the morning, after work, on weekends, or whenever you have time available.

OLT offers a 40-hour Accredited Claims Adjuster (ACA) designation course designed for the Florida 6-20 licensing pathway. Eligible students who successfully complete the qualifying designation course can apply for the 6-20 license without taking the Florida state examination.

This makes the ACA route particularly attractive to students who want to complete their insurance adjuster training in Florida online and avoid the additional step of scheduling and passing the state exam.

Classroom Training

Classroom instruction provides scheduled interaction with an instructor and other students. For some learners, that structure can be useful.

However, students should compare the total time commitment, location requirements, schedule, and course structure before choosing a classroom program.

Florida 6-20 Exam: Format, Topics, and Pass Rates

If you choose a licensing pathway that requires the state examination, you will need to prepare for the Florida Adjuster's All Lines Insurance examination.

The current 2026 Pearson VUE examination outline lists 100 scored questions plus 10 pretest questions, with a two-hour time limit.

The examination covers a broad range of property, casualty, insurance law, and adjusting concepts.

Major areas include:

• Property and liability insurance concepts
• Insurance contracts and insurance law
• Adjusting practices
• Automobile liability and personal auto insurance
• Florida automobile no-fault and PIP
• General liability
• Workers' compensation
• Dwelling policies
• Homeowners insurance
• Commercial property
• Marine insurance
• Florida insurance regulations and claims practices

The exam is broad because the license itself is broad. Students preparing for the examination should therefore avoid studying only one type of claim.

What About Pass Rates?

Students frequently search for the Florida 6-20 exam pass rate. However, a single official statewide pass-rate figure is not always available in a form that accurately represents the experience of every student.

Rather than relying on a particular percentage, focus on understanding the examination outline, learning the underlying insurance concepts, and using practice questions to identify areas that need additional study.

If you qualify for the ACA designation pathway, completing an approved designation course can eliminate the need to take the state exam altogether.

How Long It Takes to Get a 6-20 License from Start to Finish

There isn't one universal timeline for obtaining a Florida 6-20 license. Your timeframe depends on the licensing pathway you choose, how quickly you complete your education, fingerprinting and application processing, and whether a state examination is required. The 6-20 license can be obtained in 4-6 weeks if you can dedicate focused study time. See the timeline in our article, How Do You Get Your Florida 6-20 All-Lines Adjuster License? (Step-by-Step Guide)

With a self-paced online course, the education portion can fit around your existing schedule. Some students may move quickly through the material, while others may spread their study over several weeks.

The key is to distinguish between course completion time and the total licensing timeline. Completing a course is only one part of the process.

Career Paths with a 6-20 All-Lines Adjuster License

The biggest advantage of the 6-20 may be the number of directions it can take your career.

Staff Insurance Adjuster

A staff adjuster works directly for an insurance carrier. Responsibilities can include investigating claims, documenting damage, evaluating coverage, communicating with policyholders, and helping determine appropriate claim payments.

Independent Adjuster

Independent adjusters work on assignments for insurers through independent adjusting firms or other qualifying arrangements. This can provide exposure to different carriers, claim types, and geographic markets.

Catastrophe Adjuster

Catastrophe adjusting is one of the most well-known career paths associated with all-lines adjusting.

When a hurricane, tornado, major storm, wildfire, or other disaster generates a large volume of claims, insurers may need additional adjusters to help process the workload.

CAT work can involve travel and extended work periods, but it can also provide experienced adjusters with opportunities to work in different markets.

Public Adjuster Apprentice

Individuals interested in representing policyholders may use the 6-20 as part of the pathway toward public adjusting.

Florida requires a public adjuster apprentice to hold an all-lines adjuster license and the appropriate appointment. This makes the 6-20 an important credential for people considering that career direction.

Claims Career Advancement

Your first claims position does not necessarily have to be your final position. Experience can lead to opportunities in claims supervision, quality assurance, specialty claims, estimating, litigation support, training, or claims management.

Florida 6-20 License FAQs

What is the difference between the 6-20 and a regular adjuster license?

The 6-20 is Florida's resident All-Lines Adjuster license. It is designed for company and independent adjusters and provides broad adjusting authority within the scope established by Florida law.

Other adjuster licenses may be nonresident, public-adjuster, or limited in another way. The 6-20 is specifically the resident all-lines license for company and independent adjusting.

Can I complete my 6-20 training entirely online?

Yes. Florida applicants can complete qualifying adjuster designation education online. OLT offers a 40-hour Accredited Claims Adjuster designation course that is delivered online and can qualify eligible applicants for the 6-20 licensing pathway without taking the state examination.

Always confirm that your selected course is currently approved and satisfies the requirements applicable to your license pathway.

Do I need prior insurance experience before pursuing a 6-20 license?

Not necessarily. Florida provides several qualification pathways for an All-Lines Adjuster license. Prior insurance employment can certainly be valuable when looking for a job, but it is not the only way to qualify for the license.

A qualifying adjuster designation course can provide a route into the industry for people who are changing careers or entering insurance for the first time.

How many CE hours are required to maintain a 6-20 license?

Florida currently requires 24 hours of continuing education every two years for all-lines adjusters. This consists of a 4-hour Law and Ethics Update plus 20 hours of elective credits, subject to applicable reductions. Read more about How to Keep Your Florida Insurance License Active: CE and Appointments Explained.

Can a 6-20 license be used for catastrophe claims only?

The 6-20 is not a catastrophe-only license. It is an All-Lines Adjuster license.

However, a 6-20 license holder can work catastrophe claims when properly appointed and employed or contracted for that work. CAT adjusting is one career option among several available to all-lines adjusters.

How to Become an Insurance Adjuster in Florida

If you're just beginning your research, our broader guide, How Do You Get Your Florida 6-20 All-Lines Adjuster License? (Step-by-Step Guide), walks through the overall process of entering the Florida claims industry.

The 6-20 is a particularly flexible option because it can support several different career goals. You can pursue staff adjusting, independent adjusting, catastrophe work, or use the license as part of a longer-term public adjusting career.

Is the Florida 6-20 License Worth Pursuing?

If you want to build a career in insurance claims, the Florida 6-20 All-Lines Adjuster license can be a strong starting point.

It provides a broad licensing foundation rather than restricting you to a single type of claim. More importantly, it can lead to several different career paths as you gain experience.

For someone entering the industry today, the combination of an approved online designation course, flexible self-paced education, and multiple career options makes the 6-20 an appealing route into insurance adjusting.

Important 2026 Licensing Note

Florida insurance licensing requirements, examination procedures, fees, and continuing education rules can change. This article is intended as an educational overview and should not be considered legal advice or a substitute for the current requirements published by the Florida Department of Financial Services.

Before applying for a license, verify the requirements that apply to your individual situation with the Florida Department of Financial Services.