TEXAS INSURANCE CLAIMS ADJUSTER LICENSE

To obtain your Texas adjuster license, complete the following steps:

1. Meet the basic Texas Adjuster Licensing Requirements

• • Be at least 18 years or older
  • Be a United States citizen or legal alien who possesses a work authorization from the US Immigration and Naturalization Services

2. Complete the required Texas Pre-licensing Course with state exam through AdjusterPro for the requested line of authority:

• • Texas All Lines Adjuster Pre-licensing
  • Texas Property & Casualty Adjuster Pre-licensing

3. Process and submit Fingerprints according to the instructions on the Texas Department of Insurance (TDI) Fingerprint Requirements page

4. Submit the application through Sircon

5. Check to see if your license has been issued at TDI License Search

See additional licensing details, including non-resident information, on the TDI Licensing Resources page and TDI Licensing FAQ. Or read complete licensing and compliance instructions in our How to Become an Insurance Adjuster in Texas article.

Getting a Texas All-Lines Adjuster or Property & Casualty Adjuster License typically costs around $400, depending on your provider and what they include in the cost. You can expect the following fees:

• AdjusterPro Texas Pre-Licensing Course with State Exam: $299
• Adjuster License Application Fee: $50
• Fingerprinting Fee: $70
• License Renewal (every two years after): $50

Make sure you go with a reputable, state-approved provider. If your pre-licensing course does not include the state exam, you can expect to pay a $50 exam fee in addition to the above. You’ll also want to watch out for extra costs not listed, as some providers charge for flash cards, videos, course access past a 30 or 60-day window, and other features.

AdjusterPro’s courses include the state exam and fees. Every course also includes (at no extra charge):

• Interactive question study bank
• Unlimited practice exams
• Printable PDFs and glossary
• Optional course audio narration
• Customizable flash cards
• Exam readiness reporting
• Award-winning customer service
• Lifetime access to your course

Source: Texas Department of Insurance Licensing and Fingerprinting pages.

The basic difference lies in which types of insurance you have the authority to handle claims for, although reciprocity is a big factor as well. The all-lines adjuster license includes property and casualty (P&C) for residential, commercial, automobile, farm & ranch, inland marine & ocean marine, as well as workers’ comp insurance. The P&C license covers all of the above, with the exception of workers’ comp. So to put it plainly, all-lines includes workers’ comp and P&C does not.

So which license do you need? If available, we always recommend the All-Lines adjuster license because it certifies you to handle more lines of insurance and represents the most comprehensive license available. And while you may only handle residential or auto, you won’t be restricted to doing so because of your license.

Getting an All-Lines license will also allow you to obtain the most reciprocal licenses available. States will only approve a reciprocal license for the same lines of authority you are already approved for via your home state (or DHS) license.

So, for example, if you have a Workers’ Comp license in your home state, you’ll only qualify to get Workers’ Comp reciprocal licenses as well. You won’t qualify for a P&C and/or All-Lines reciprocal license.

It’s also important to remember that not all states offer the same types of licenses. Florida doesn’t offer a P&C license for example. Many don’t offer a single LOA like workers’ comp or crop. And if the state you’re applying in doesn’t offer that lower license type, you are denied a reciprocal license completely.

You can avoid the confusion and potential denials by obtaining the All-Lines license which covers the most lines of authority and therefore, offers the most reciprocity.

For those who want a more detailed look, let’s review each type of insurance:

Residential – property used primarily for dwelling
Commercial – property used for business, recreation, worship, etc (not for dwelling)
Auto – cars, motorcycles, and covered vehicles used for non-commercial transport
Farm & Ranch – dwelling, outbuildings, barns, animals, equipment, crops in storage (crops in the field typically require separate crop insurance)
Inland Marine – commercial trucks in transit and their cargo; docks, piers, bridges
Ocean Marine – sea vessels and their cargo (the first type of insurance as we know it today)
Workers’ Comp – employees injured while on the job

While most licensing states simply require you to take and pass the exam to get licensed, other states have an additional “pre-licensing requirement.” These states require you to take a certain amount of education hours before you are allowed to register to take the state exam. AdjusterPro courses contain approved pre-licensing for all the states where it is required: Arkansas, Florida, Georgia, Mississippi, Indiana, and Texas.

Yes! When you purchase one of AdjusterPro’s Texas insurance adjuster pre-licensing courses, it includes the state adjuster exam. Once you complete the included pre-licensing course and pass the exam, you can submit your adjuster application to the state. No additional training or testing is required. Make sure you select the right course for your needs and then apply for a license type that matches those lines of authority. Read more on why we recommend getting an All-Lines License.

Military veterans who passed any Texas insurance exam since early 2019 can now get reimbursed for the fee. Veterans may seek reimbursement of exam fees going back to February 1, 2019. To do so, apply to the U.S. Department of Veteran Affairs.

In addition, the Texas Department of Insurance also makes it easier for active-duty military members and spouses to work as insurance agents or adjusters in Texas. TDI will also waive the application fees for military spouses who have an insurance license in another state. When they apply for their Texas license, they simply need to provide proof of Texas residency, their military identification, and their insurance credentials from their home state.

While Texas fees are covered as part of an agreement between the VA and TDI, some exam or licensing fees for other state adjuster licenses may also qualify for reimbursement. Please visit VA How to Use Benefits page to learn more or contact them to see if your licensing exam or fees may qualify.

• Ask a question online
• Phone: 888-442-4551

View Texas Insurance Adjuster Courses

Texas grants reciprocal licenses to adjusters who are licensed in their home state or who hold a Designated Home State (DHS) license, as long as that state grants reciprocal licenses to Texas adjusters. CA, HI, and NY do not offer reciprocal licenses to Texas adjusters. 

To see what states will offer reciprocal licensing privileges to Texas adjusters, visit our Reciprocity Map and select Texas. ​

Website: http://www.tdi.texas.gov/licensing/agent/index.html

Mailing Address:
Texas Department of Insurance
Agent & Adjuster Licensing Office
PO Box 149104
Austin, TX 78714-9104

Phone: 512-676-6000
Email: [email protected]

Our team is passionate about providing the best insurance training courses and online classroom experience in the industry. We are committed to helping you succeed at every step of your adjusting career.

At AdjusterPro, we believe in serving our customers with transparency, honesty, and adhering to the Golden Rule, treating others as we would want to be treated.

Building our company upon these principles, here are a few other ways we differentiate from the competition:

• We offer hundreds of courses – the most comprehensive catalog in the country
• Our simple, engaging online training was created to help you comprehend and retain information
• We won’t kick you out of your course at 30, 60, or 90 days, and then make you pay more to access it again. Unlike many education providers, we offer 18 months’ access to your CE courses and unlimited access to licensing and other training.
• Your course purchase includes all the features our classroom offers. You won’t have to pay more for flash cards, exam readiness reporting, study question bank, or any of our other helpful features.
• Keeping your license compliant is simple with our convenient continuing education courses
• You’ll receive honest answers from our dedicated (real-people) customer engagement team
• 50 states strong: We offer a path to licensing for every state
• Over 50,000 people have trained with us
• 8 of the country’s top 10 insurance carriers train with AdjusterPro
• 98.4% customer satisfaction rating
• AdjusterPro is more than just online courses. We’re the nation’s go-to resource for all things adjuster. Whether it’s licensing, reciprocity, CE, networking, tips of the trade, or career advice, we’ve got you covered.

Whether you are just starting to explore the insurance claims industry, a Fortune 500 company, or are a veteran adjuster looking for additional training, we are here to help you reach your goals and achieve success. You can check your state’s insurance adjuster courses here.