Texas vs Florida Adjuster License Reciprocity: 2026 Guide

Reciprocity Explanation

Texas and Florida maintain full reciprocal recognition for All-Lines Adjuster licenses. If you hold an active Texas All-Lines Adjuster license in good standing, you qualify for a Florida non-resident adjuster license without examination.

Florida operates under the jurisdiction of the Florida Chief Financial Officer (CFO) Department of Financial Services, Division of Agent and Agency Services. The state recognizes Texas as a reciprocal jurisdiction under Florida Administrative Code Rule 69B-220.051.

Key requirement: Your Texas license must be active and in good standing at the time of application. Any disciplinary actions, suspensions, or compliance issues on your Texas license may result in application denial or additional review requirements.

Steps to Apply for Florida Non-Resident License

Step 1: Verify Texas License Status
Confirm your Texas All-Lines Adjuster license is active through the Texas Department of Insurance (TDI) license lookup portal. Ensure no lapses, suspensions, or pending compliance issues exist.

Step 2: Submit NIPR Application
Access the National Insurance Producer Registry (NIPR) portal at nipr.com. Select “Florida Non-Resident Adjuster License Application.” The system will automatically verify your Texas license credentials.

Step 3: Pay Application Fee
Florida non-resident adjuster application fee: approximately $55.00 (subject to change; verify current fee schedule with Florida CFO before submitting payment). Payment is processed through the NIPR portal via credit card or electronic check.

Step 4: Background Authorization
Florida may require authorization to access your existing fingerprint records on file with Texas. No additional fingerprinting appointment is typically required if your Texas fingerprints are less than five years old and accessible through the FBI Interstate Identification Index.

Step 5: Processing & Approval
Florida applications submitted via NIPR are typically processed within 5-7 business days. You will receive electronic notification when your license is issued. Download your license certificate through the NIPR portal or the Florida MyProfile system.

Continuing Education Requirements

Florida requires continuing education for license renewal, separate from Texas CE requirements:

• 24 hours of CE every two years for Florida license renewal
• Minimum 3 hours of Law & Ethics specific to Florida statutes
• CE credits earned in Texas do not automatically transfer to Florida

Adjusters holding both Texas and Florida licenses must complete CE requirements for each state independently. Plan accordingly to avoid dual license lapses.