Texas Insurance Adjuster License Renewal Guide: 2026 Edition

Texas All-Lines Insurance Adjuster licenses expire biennially on a fixed schedule tied to the licensee’s birth month. Failure to renew on time results in automatic license expiration, rendering the license invalid for adjusting work in Texas and all reciprocal states. This guide details mandatory continuing education requirements, renewal procedures, and consequences of license lapse.

Understanding the Renewal Cycle

Texas employs a birth-month renewal system for all insurance licenses, including adjuster licenses. Your license expiration date is calculated as follows:

Initial license term: Licenses issued are valid from the date of issuance through the last day of the licensee’s birth month in the second year following issuance. For example:

• License issued: January 15, 2026
• Licensee birth month: August
• First expiration date: August 31, 2028

This system results in variable initial license terms ranging from approximately 24 to 36 months depending on the relationship between issuance date and birth month. All subsequent renewals follow a standard two-year cycle.

Notification procedures: Texas Department of Insurance (TDI) sends renewal notices via email approximately 60-90 days before license expiration to the email address on file. However, licensees bear sole responsibility for tracking their renewal deadlines regardless of whether they receive notice. Failure to receive a renewal notice does not constitute grounds for penalty waiver or deadline extension.

Continuing Education (CE) Requirements Breakdown

Texas requires licensed adjusters to complete 24 hours of continuing education during each two-year renewal period. CE requirements serve to maintain professional competency, update licensees on regulatory changes, and reinforce ethical standards.

Mandatory 3-Hour Ethics Requirement

Of the 24 total CE hours, 3 hours must be dedicated to Ethics coursework. This requirement increased from 2 hours to 3 hours effective September 30, 2022, and applies to all licenses renewing on or after that date.

Ethics course content: TDI-approved Ethics courses must address topics including professional conduct standards, conflicts of interest, confidentiality obligations, fair claims settlement practices, fraud detection and reporting requirements, and penalties for regulatory violations. Ethics courses must be explicitly designated as “Ethics” courses by TDI-approved providers—general courses covering ethical topics incidentally do not satisfy the Ethics requirement.

General CE Hours (Remaining 21 Hours)

The remaining 21 hours may be completed through any combination of TDI-approved CE courses covering adjuster-relevant topics, including:

• Claims investigation and documentation techniques
• Policy coverage analysis and interpretation
• Estimating software training and updates
• Texas Insurance Code and regulatory changes
• Fraud detection and prevention
• Customer service and communication skills
• Specialized topics (construction estimating, water damage mitigation, roofing systems, HVAC claims)

Classroom/Classroom Equivalent Requirement

VERIFY CURRENT RULES: Historically, Texas required that at least 50% of CE hours (12 of 24 hours) be completed through classroom instruction or “classroom equivalent” delivery methods (live webinars with instructor interaction). However, CE delivery method rules are subject to change. Verify current classroom percentage requirements with TDI or your CE provider before completing your CE to ensure compliance.

Self-study courses (pre-recorded videos, written materials without live instruction) may have limitations on the percentage of total CE hours they can satisfy. Failure to meet classroom percentage requirements results in renewal application rejection.

Pre-Licensing Courses Do NOT Count as CE

CE Credit Carryover Policy

Texas does not permit CE credit carryover between renewal periods. CE hours completed in excess of the 24-hour requirement cannot be applied to future renewal cycles. For example, if you complete 30 CE hours during your current renewal period, only 24 hours count toward your current renewal—the additional 6 hours provide no credit toward your next renewal period.

CE Provider Approval

All CE courses must be completed through TDI-approved CE providers. TDI maintains a searchable database of approved providers and courses on the TDI website. Courses completed through non-approved providers will not be accepted for renewal, regardless of course content quality or relevance. Always verify provider approval status before enrolling in CE courses.

Step-by-Step Renewal Process

Texas adjuster license renewal follows a two-step process administered through the Sircon online licensing system.

Step 1: Complete Your 24 Hours of CE (Including 3 Hours Ethics)

Timeline: Begin completing CE courses at least 90 days before your license expiration date to allow time for course completion, provider reporting, and system processing. While CE courses can technically be completed at any time during the two-year renewal period, early completion reduces last-minute stress and technical difficulties.

Course completion process:

1. Select TDI-approved CE courses from approved providers (verify approval status on TDI website)
2. Complete course instruction (classroom, webinar, or approved self-study format)
3. Pass course examinations (if required by provider—not all CE courses require exams)
4. Receive course completion certificate from provider
5. Verify provider reports your completion to TDI (most providers report electronically within 7-10 days)

Verification of CE completion: Log into Sircon and review your CE transcript to confirm all completed courses appear in the system before attempting to renew. If courses are missing from your transcript despite completion, contact your CE provider immediately to resolve reporting issues. Do not assume CE providers have reported your courses—verify manually.

Step 2: Submit Renewal Application and Pay $50 Fee via Sircon

Renewal window: TDI opens the renewal window approximately 90 days before license expiration. You may submit your renewal application any time during this window, provided your CE requirements are satisfied and reported in Sircon.

Renewal submission procedure:

1. Access the Sircon system at the Texas Department of Insurance licensing portal
2. Log in using your existing Sircon credentials (username and password)
3. Navigate to “My Licenses” and select your Texas All-Lines Adjuster License
4. Click “Renew License” (this option appears only during the renewal window)
5. Review your CE transcript displayed in the renewal application—system will indicate if CE requirements are satisfied
6. Update contact information, employment information, and background questions as required
7. Pay the $50 renewal fee via credit card, debit card, or electronic check
8. Submit renewal application
9. Print or save your renewal confirmation receipt

Processing time: Renewals are typically processed immediately upon submission if all CE requirements are satisfied. Your renewed license becomes effective immediately, and your new expiration date appears in Sircon within minutes of approval.

Renewal confirmation: After successful renewal, download your updated license certificate from Sircon. Some employers and independent adjusting firms require proof of current licensure—maintain copies of your renewal confirmation and updated license certificate for your records.

What Happens If My License Expires?

License expiration on the last day of your birth month results in immediate invalidity of your license. An expired license cannot be used to adjust claims. Adjusting claims with an expired license constitutes unauthorized practice and may result in administrative penalties, fines, and potential criminal charges under Texas Insurance Code.

The 90-Day Late Renewal Grace Period

Texas provides a 90-day late renewal period following license expiration. During this period, you may renew your expired license by completing the standard renewal process plus paying an additional $50.00 late penalty fee.

Critical clarification: The 90-day late renewal period is NOT a grace period during which you can continue working. Your license is expired and invalid from the expiration date through the late renewal period. You must cease all adjusting activities immediately upon expiration and cannot resume until your license is successfully renewed.

Late renewal procedure: Late renewals follow the same Sircon process as timely renewals, with the system automatically calculating and assessing the $50 late penalty fee in addition to the standard $50 renewal fee.

Beyond 90 Days: Complete Reapplication Required

If your license remains expired for more than 90 days past the expiration date, Texas considers the license permanently expired. Late renewal is no longer available. You must complete the full initial licensing process as a new applicant:

• Complete a new 40-hour pre-licensing course (or pass the Pearson VUE state exam)
• Submit new fingerprints and pass background checks
• Pay the full $50 application fee (no credit for previous licensure)
• Wait 7-10 business days for application processing

This complete reapplication process costs significantly more ($250-$500 total) and takes substantially longer (2-4 weeks) than simply renewing on time. More critically, the license lapse creates a gap in your licensure history that may raise questions with employers, carriers, and independent adjusting firms.

Renewal Checklist: 90 Days Before Expiration

Common Renewal Mistakes to Avoid

Mistake 1: Waiting until the expiration date to start CE courses. CE providers need time to report course completions to TDI. Completing courses the day before expiration may result in reporting delays that prevent timely renewal.

Mistake 2: Assuming pre-licensing hours count toward CE. Your 40-hour pre-licensing course does not satisfy any portion of the 24-hour CE requirement. These are separate educational requirements tracked independently.

Mistake 3: Completing 24 general CE hours without the 3 Ethics hours. Ethics hours must be explicitly designated as Ethics courses. General courses mentioning ethical topics do not satisfy the Ethics requirement.

Mistake 4: Taking courses from non-approved providers. Only TDI-approved CE providers can offer courses that count toward Texas renewal. Verify provider approval before enrollment.

Mistake 5: Believing the 90-day late period allows you to continue working. Your license is expired and invalid during the entire late renewal period. You must cease adjusting activities immediately upon expiration.