Skip the State Exam: How the Accredited Claims Adjuster (ACA) Designation Gets You the Florida 6-20 License Faster

Many aspiring Florida insurance adjusters assume they must pass a challenging state licensing exam before they can begin their careers. Fortunately, Florida offers another pathway. By earning the Accredited Claims Adjuster (ACA) designation through an approved Florida institution, eligible applicants may qualify for an exemption from the state licensing examination for the Florida 6-20 Resident All-Lines Adjuster License.

The INS013FL40 Accredited Claims Adjuster Course, offered through OLT and its accredited Florida college partners, provides a comprehensive 40-hour education that prepares students for real-world claims adjusting while helping them satisfy Florida's licensing requirements.

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

The Florida 6-20 Resident All-Lines Adjuster License allows qualified professionals to investigate, evaluate, negotiate, and settle insurance claims across multiple lines of insurance.

With this license, you can pursue careers as:

• Company (Staff) Adjuster
• Independent Adjuster
• Catastrophe (CAT) Adjuster
• Public Adjuster Apprentice (subject to Florida requirements)

For many insurance professionals, the 6-20 license serves as the foundation for a long and rewarding career.

Earn the ACA Designation

Florida recognizes certain professional designations that satisfy the education and examination requirement.

The Accredited Claims Adjuster (ACA) designation is one of the approved pathways recognized by the Florida Department of Financial Services.

Eligible students who successfully complete the INS013FL40 ACA course through an accredited Florida institution will qualify for exemption from the state licensing examination.

How the ACA Designation Fits into Florida's Licensing Process

Applicants must still satisfy Florida's licensing requirements, including:

• Being at least 18 years old
• Meeting residency requirements (or qualifying under an exception)
• Completing fingerprinting and background screening
• Submitting a Florida license application

The ACA designation fulfills the education and examination portion of the licensing process for eligible applicants.

After completing the course, you'll receive official ACA designation documentation from the accredited institution. When submitted with your application, Florida will recognize your designation and process your application as Exempt from State Examination.

What You'll Learn in the INS013FL40 ACA Course

The INS013FL40 Accredited Claims Adjuster Course provides 40 hours of comprehensive insurance education covering:

• Insurance contracts
• Property and casualty insurance
• Claims adjusting principles
• Florida Financial Responsibility Law
• Florida No-Fault Law
• Homeowners insurance
• Personal and commercial automobile insurance
• Commercial property insurance
• General liability
• Workers' compensation
• Crime insurance
• Surety bonds
• Inland marine insurance
• Ocean marine insurance
• Aviation insurance
• Boiler and machinery coverage
• Health insurance
• Residual markets
• Ethics
• Negotiation and communication skills
• Florida insurance regulations
• Duties of the Florida Department of Financial Services

Each unit includes review materials, quizzes, and concludes with a comprehensive final examination designed to prepare students for success in the field.

Step-by-Step: How to Earn Your 6-20 License Without Taking the State Exam

1. Confirm Your Eligibility
   Verify that you meet Florida's age, residency, and background requirements.
2. Complete the INS013FL40 ACA Course
   Successfully finish all course units, quizzes, and the final exam.
3. Receive Your ACA Designation
   Your accredited institution will issue official documentation confirming your Accredited Claims Adjuster designation.
4. Apply Through FLDFS
   Submit your application, fingerprints, required fees, and ACA documentation through the Florida Department of Financial Services.
5. Receive Your Florida 6-20 License
   Once your application is approved and your ACA designation is verified, eligible applicants receive their Florida 6-20 license without taking the state licensing examination.

Why Many Students Choose the ACA Path

• Flexible self-paced online learning
• Structured curriculum instead of independent exam preparation
• Real-world insurance knowledge and claims handling skills
• Recognition by the Florida Department of Financial Services
• Potential exemption from the state licensing examination

Instead of simply memorizing test questions, students build practical knowledge that prepares them for successful careers as insurance adjusters.

Who Should Consider the ACA Route?

The ACA designation is ideal for individuals who:

• Work full-time
• Need flexible online learning
• Prefer structured education over cram courses
• Want practical claims knowledge
• Plan to pursue a long-term career in insurance adjusting

Continue Your Florida Adjuster Journey

The Bottom Line

If you're looking for an efficient way to become a licensed Florida insurance adjuster, the INS013FL40 Accredited Claims Adjuster (ACA) Course offers a valuable pathway. Eligible graduates can qualify for an exemption from the Florida state licensing examination while gaining the practical knowledge needed to succeed in the insurance industry.

Rather than focusing solely on passing an exam, you'll develop the skills and confidence to begin your adjusting career with a strong educational foundation.