What Is a Florida Property Adjuster License?

The phrase "Florida property adjuster license" is commonly used by people who want to work with homeowners, commercial property, wind, fire, water, storm, and other property-related claims.

However, Florida's current statutes identify two primary types of insurance adjuster licenses: the all-lines adjuster and the public adjuster. Florida does not generally issue a new license specifically limited to property claims.

This means that if your goal is to become an insurance adjuster handling property claims for an insurer or independent adjusting company, you will generally want to research the 6-20 All-Lines Adjuster license rather than looking for a new property-only license.

The terminology can be confusing because other states may offer property or property-and-casualty adjuster licenses. Florida's system is different.

There are also older limited adjuster licenses that may still exist for individuals who held them under previous Florida licensing rules. Those legacy licenses should not be confused with a currently available property-only license for new applicants.

What Is an All-Lines Adjuster License in Florida?

The 6-20 Resident All-Lines Adjuster license is Florida's resident all-lines adjuster license for individuals who live in Florida.

Florida law defines an all-lines adjuster as someone who undertakes, on behalf of an insurer or public adjuster, to determine the amount of a claim, loss, or damage payable under an insurance contract or undertakes to effect settlement of a claim.

An All-Lines Adjuster license qualifies the licensee to adjust all lines of insurance except life and annuities.

That broad authority can include claims involving:

• Homeowners insurance
• Commercial property
• Windstorm and hurricane damage
• Fire and water damage
• Automobile claims
• Liability claims
• Workers' compensation claims
• Other property and casualty claims

The exact work an adjuster performs depends on the employer, appointment, assignment, and type of claim.

Florida's All-Lines license can be used in several career settings. An adjuster may work as a company employee adjuster, independent adjuster, or pursue the public adjuster apprentice pathway.

For a deeper look at the license, requirements, examination, and career options, see our guide: Florida 6-20 All-Lines Adjuster License: Requirements, Exam, and Career Paths .

Key Differences Between Property Adjuster and All-Lines Licenses

The biggest difference is actually a licensing terminology issue. A new applicant in Florida should not assume that there is a current property-only adjuster license.

In other words, if you want to work primarily with property claims, you do not necessarily need a separate property-only license. The Florida All-Lines license can provide the authority needed for property adjusting while also keeping additional career options open.

Eligibility Requirements for Property Adjuster Licenses

Because Florida does not generally issue new property-only adjuster licenses, there is no current standard application process for a new "property adjuster license."

Instead, individuals interested in property claims should look at the requirements for the appropriate All-Lines Adjuster license.

For the Florida resident 6-20 license, applicants generally must:

• Be at least 18 years old
• Be a Florida resident
• Meet Florida's citizenship or work-authorization requirements
• Meet the applicable qualification requirements
• Complete fingerprinting and the licensing application process
• Pass a 40hr 6-20 Pre-Licensing Course/Designation or pass the state exam

Florida provides several ways an applicant may qualify for the 6-20 license without taking the state examination. These can include certain approved adjuster designations, qualifying insurance education, an existing General Lines Property and Casualty agent license, qualifying prior licensure, or other statutory pathways.

That is one reason it is important to check the current Florida Department of Financial Services requirements before enrolling in an adjuster training program.

Training and Exam Requirements for Property Adjusters

If your goal is property claims adjusting, your training should prepare you for the Florida All-Lines pathway rather than a property-only Florida exam.

Quality property and casualty adjuster training should help you understand how claims are investigated, evaluated, documented, and settled across the lines of insurance covered by the license.

Property-focused training can be particularly valuable for people interested in:

• Homeowners claims
• Hurricane and catastrophe claims
• Roof and wind damage
• Water losses
• Fire claims
• Commercial property losses
• Independent adjusting

However, if you plan to obtain a Florida 6-20 license, your education should not stop with property claims. The All-Lines examination covers a much broader range of insurance adjusting topics.

Florida also recognizes certain professional adjuster designations as qualification pathways that can exempt an applicant from the state examination. Because approved designations and requirements can change, verify the current list before choosing a training program.

Training and Exam Requirements for All-Lines Adjusters

All-lines adjuster training is designed to prepare students for the broader range of claims covered by the Florida All-Lines Adjuster license.

The Florida All-Lines examination is broader than a hypothetical property-only exam because it covers adjusting across all lines of insurance other than life and annuities.

For a Florida resident seeking the 6-20 license, one common path is to complete an approved adjuster designation course that qualifies the applicant for an examination exemption.

Other applicants may qualify through an existing license, qualifying education, professional designation, transfer provisions, or another approved route. Applicants who do not meet an examination-exemption pathway may need to pass the Florida state adjuster examination.

Why All-Lines Training Can Be Worth It

Even if you expect to work almost exclusively on property claims, broader training can give you a stronger understanding of the insurance claims process.

It can also make it easier to pursue different types of adjusting work as your career develops.

Instead of limiting your career to one type of claim, an All-Lines license can open the door to company, independent, and certain public-adjusting career pathways.

Which License Is Better for Your Career Goals?

For most people starting an adjusting career in Florida, the answer is straightforward: the All-Lines Adjuster license is generally the more versatile choice.

If You Want to Handle Property Claims

An All-Lines license can allow you to pursue property claims while keeping additional lines available. This can be especially useful if you are interested in homeowners, commercial property, windstorm, or catastrophe adjusting.

If You Want to Work Catastrophe Claims

Catastrophe adjusting can involve significant property losses following hurricanes, tornadoes, hailstorms, wildfires, floods, and other major events.

An All-Lines license provides a broader foundation for this type of work and can be a strong choice for someone who wants flexibility when catastrophe assignments become available.

If You Want to Become an Independent Adjuster

Florida defines an independent adjuster as an individual licensed as an all-lines adjuster who is self-appointed or appointed and employed by an independent adjusting firm or other independent adjuster.

If independent adjusting is your goal, the 6-20 All-Lines pathway is therefore the license to research.

If You Want to Become a Public Adjuster

Florida has a separate public adjuster license. Importantly, Florida requires an individual seeking a public adjuster license to first be licensed as an all-lines adjuster and appointed as a public adjuster apprentice for the required period.

This makes the All-Lines license particularly valuable for someone considering a future career as a public adjuster.

Transitioning from Property Adjuster to All-Lines (and Vice Versa)

If you have been searching for information about transitioning from a property adjuster license to an All-Lines license, the first step is understanding Florida's current license structure.

Florida does not generally offer a new property-only adjuster license that can simply be upgraded to an All-Lines license.

If you already hold an older limited adjuster license, your options may depend on the exact license type and your licensing history. Florida's current rules generally do not provide for new or additional limited adjuster licenses.

Someone seeking an All-Lines license may instead need to qualify through one of Florida's current pathways. Depending on the applicant's background, this may include an approved designation course, qualifying education, another insurance license, transfer provisions, or the state examination.

If you are unsure which route applies to you, check your Florida DFS MyProfile account and review the current license qualifications before enrolling in a course.

Florida Property vs All-Lines Adjuster FAQs

Can I handle auto and liability claims with a property adjuster license?

Florida does not currently issue new property-only adjuster licenses. A 6-20 All-Lines Adjuster license qualifies the licensee to adjust all lines of insurance except life and annuities. That broad authority can include property, auto, and liability claims, depending on the assignment and employment arrangement.

Is the property adjuster exam easier than the all-lines exam?

Florida does not currently have a new property-only adjuster examination. The All-Lines Adjuster examination covers all lines of insurance other than life and annuities, so its scope is broader.

Do employers prefer all-lines adjusters over property-only adjusters?

Employer preferences vary, but an All-Lines license can make you eligible for a broader range of adjusting assignments. That flexibility can be particularly valuable for independent adjusting and catastrophe work.

Can I upgrade from property adjuster to all-lines without retaking all coursework?

There is not a standard property-only-to-All-Lines upgrade pathway because Florida does not generally issue new property-only adjuster licenses. If you are already licensed under an older limited license, your options depend on your specific license and circumstances. New All-Lines applicants may qualify through several education, designation, transfer, or examination pathways.

Which license is better for catastrophe work in Florida?

The All-Lines Adjuster license is generally the more flexible choice. Catastrophe work frequently involves property claims, but the broader All-Lines authority can provide additional career flexibility. Your actual assignments will depend on your employer, appointment, and the type of claims being handled.

Why All-Lines Adjuster Training Can Be a Smart Investment

If your ultimate goal is to work as a property claims adjuster, you may not need a separate property-only Florida license. Instead, you should focus on meeting the requirements for the Florida All-Lines Adjuster license.

The broader license can provide access to property adjusting while keeping additional career paths available.

That flexibility can be especially important for people who are considering independent adjusting, company adjusting, catastrophe work, or eventually becoming a public adjuster.

The right all lines adjuster training can also give you a stronger foundation for understanding claims beyond a single category of loss.

Start Your Florida Adjuster Training With OnLine Training

If you're searching for a Florida property adjuster license, property adjuster license Florida, or property and casualty adjuster training, make sure you understand Florida's current licensing structure before enrolling.

For most new Florida residents who want to work with property claims, the 6-20 All-Lines Adjuster license is the pathway to investigate.

OnLine Training offers online Florida adjuster training designed to help students understand the licensing process and prepare for an adjusting career.

The Bottom Line

The biggest misconception to clear up is that Florida currently offers a new property-only adjuster license. It generally does not.

If you want to adjust homeowners, commercial property, hurricane, wind, fire, water, or other property claims, the Florida All-Lines Adjuster license is typically the pathway you should investigate.

The 6-20 license can provide considerably more flexibility than a property-focused career path alone. It can support company and independent adjusting opportunities and can also be an important step toward becoming a public adjuster.

Before enrolling in a course, verify the current Florida Department of Financial Services requirements for your specific situation. Licensing rules can change, and choosing the correct training pathway from the beginning can save you time and money.

Start Your Florida Adjuster Training