We’ve helped thousands of people get their Texas insurance adjuster license. That’s why we’ve broken the entire Texas licensing journey into a simple, 5-step process—along with answering the most common questions around reciprocity, costs, and renewals.
By the end of this article, you’ll know exactly how to get your Texas adjuster license, avoid common pitfalls, and set yourself up for success. You’ll also understand how to renew your license, expand to other states, and grow your career strategically.
We’ll cover the following steps in detail:
- Texas’ Adjuster Licensing Requirements
- Choosing the right Texas adjuster license
- Taking the required pre-licensing course and passing the exam
- Applying for your Texas adjuster license
- Keeping your license active and compliant
Not a Texas resident? Visit the Texas Department of Insurance website or read our Texas Adjuster DHS article to see details on getting a nonresident license.
Let’s get started!
#1: Make sure you meet Texas’ Adjuster License Requirements
To qualify for a Texas insurance claims adjuster license, you must:
- Be a U.S. citizen or legal resident with work authorization
- Be at least 18 years old
Once you confirm this, the next step is choosing your license type.
#2: Choose the Right Texas Adjuster License
Texas offers two main adjuster license types:
- All-Lines Adjuster License (includes P&C + Workers’ Comp)
- Property & Casualty (P&C) Adjuster License (doesn’t include Workers’ Comp)
Unless your employer says otherwise, we recommend the Texas All-Lines Adjuster License. It covers more lines of authority, allowing you to handle a wider range of claims. Plus, it costs the same as P&C.
Your license type can also affect which states will offer you a reciprocal license. In order to qualify for a reciprocal license, your license must cover equal or more lines of authority than the one you are applying for. So, for example, if you hold a Texas P&C license, you will not be approved for a reciprocal license in Florida, as they only offer an All-Lines license that includes workers’ comp.
Pro Tip: More authority = more job opportunities. Choose the all-lines license unless you have a specific reason not to.
#3: Take a State-Approved Texas Pre-Licensing Course with Exam
Texas allows you to skip the state exam by completing a state-approved course that includes the final exam. Our 100% online Texas Adjuster Pre-Licensing Course includes:
- 40-hour required pre-licensing course
- A 150-question online Texas adjuster exam
- Practice tests, readiness reporting, customizable flash cards, quizzes, question bank, and other learning tools
- Lifetime access to your course. No 30 or 60-day deadline to pass
Once you complete the required course and pass the exam with a 70% or higher, you’re ready to apply for your license. No additional coursework or testing required.
How to Become an Insurance Adjuster in 5 Steps
Getting your home state or designated home state license is a great start. See what else it takes to establish a successful career in the insurance claims industry.
#4: Apply for Your Texas Adjuster License & Fingerprinting
Once you’ve taken the required pre-licensing course and passed the included state exam, you’re ready to apply for your Texas adjuster license. To apply:
- Get fingerprinted via IdentoGO (required for a background check)
- Apply online via Sircon
- Check your license status on TDI’s license lookup page
Need help with the application? Watch our step-by-step video guide below.
#5: Complete Continuing Education and Renew Your License
Once you have your license, you’ll need to complete some additional steps every few years to keep it active. Your Texas adjuster license must be renewed every 2 years, by the last day of your birthday month. To renew:
- Complete 24 hours of approved Continuing Education (CE), including 3 hours of Ethics
- Finish your CE at least 30 days before expiration to avoid delays
- Renew online at the TDI Renewal Portal
You cannot receive credit for any course more than once in any CE reporting period. Excess CE hours cannot be carried over into the next compliance cycle.
AdjusterPro offers over 200 hours of state-approved continuing education courses for Texas adjusters.
Texas Adjuster Licensing Fees and Costs
| Item | Cost |
|---|---|
| Adjuster Pro Pre-Licensing Course (includes state exam) | $299 |
| Fingerprinting | $41.50 |
| Application Fee | $50 |
| Renewal Fee (every 2 years) | $50 |
Texas Adjuster License Reciprocity
Reciprocity means an adjuster holding a home state license can apply for an adjuster license in another state without having to take that state’s exam. Fees for reciprocal licenses vary by state, but on average, you can expect to pay between $40 and $60 per application, although a few states charge up to $120.
If you want to learn more about reciprocity and why it’s vital to your success, visit our Reciprocity: The Truth About Adjuster Licensing Agreements Between States blog article.
Texas is a reciprocity-friendly state. Once licensed, you can apply for licenses in many other states without retaking the exam—as long as those states grant reciprocity back.
- Exceptions: California, Hawaii, and New York do not offer reciprocity with Texas.
Check out our Texas Adjuster Reciprocity Map to see state-by-state details. Or read our Top 10 States for Reciprocal Licenses article to prioritize your applications.
Texas Department of Insurance Contact Information
Website: Texas Department of Insurance
Mailing Address:
Texas Department of Insurance
Agent & Adjuster Licensing Office
PO Box 149104
Austin, TX 78714-9104
Phone: 512-676-6000
Email: [email protected]
Ready to Start Your Adjusting Career?
Getting your Texas adjuster license is the first step—but not the last. Once licensed, you’ll want to:
- Expand into other states (via reciprocity)
- Learn Xactimate so you can estimate effectively
- Stay on top of CE requirements
- Use content like this to stay informed and confident in your career
We’re here to support you along the way.
