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Florida Designated Home State License

Residents of non-licensing states can follow our step-by-step guide below to get your Florida 70-20 Designated Home State (DHS) insurance claims adjuster license. We’ve also included information on how to renew your Florida DHS license and what reciprocity looks like for FL adjusters so you’ll have everything you need to obtain and maintain your license.

If you live in a state that doesn’t license insurance claims adjusters, you need to get a Designated Home State or ‘DHS’ license. A DHS license allows you all the privileges of an adjuster from a licensing state, and it is basically required by most major employers if you want to work in the claims industry. You can learn more in our blog article: When Does an Adjuster Need a DHS?

Are you a Florida resident? Read our How to Become a Florida Insurance Adjuster article for instructions on how to get your resident Florida license.

Florida Adjuster License Types

Before we walk through the steps, let’s take a quick look at the different types of licenses in Florida. These are classified by number so you want to make sure and move forward pursuing the right license.

  • 6-20 Resident Adjuster: The license is for any resident of Florida looking to be a staff or independent adjuster.
  • 7-20 Nonresident Adjuster: License for nonresidents of Florida who want to adjust claims there. This is the ideal license for those who are licensed in their home state and want reciprocal privileges in Florida. We do not recommend this license unless you hold your home state license because it will only allow you to work in Florida and offers no reciprocity.
  • 70-20 Nonresident Designated Home State (DHS) Adjuster: If you live in a non-licensing state and want to declare a home state for licensing, this is one of the best. But you should only get a nonresident DHS license if your home state doesn’t license adjusters. If your state does license adjusters, you need to start there.
  • 3-20 Public Adjuster: The 3-20 license is exclusively for public adjusters and requires a few more steps to get licensed. You can see complete instructions in our How to Get your Florida 3-20 Public Adjuster License blog article.
  • 4-40 Customer Representative: There is one additional Florida insurance license offered by AdjusterPro so we’ll mention it to avoid any confusion. The 4-40 Customer Representative License is for Florida residents who work in insurance agencies or for insurance agents.

If you’re ready to get your Florida 70-20 DHS License, let’s get started.

#1: Meet the Basic Requirements for the Florida DHS Adjuster License

Before you start taking steps to get your Florida 70-20 DHS license, make sure you meet Florida’s basic requirements.

  • Be at least 18 years of age
  • Be a U.S. citizen or legal alien who possesses a work authorization for the Immigration and Naturalization Services
  • Not hold a resident adjuster license in another state
  • Complete one of the following:

If you meet these basic requirements, it’s time to take the pre-licensing course and ace your licensing exam.

#2: Take Our Florida Certified Adjuster Designation Course and Pass the Included Exam

Florida is one of a handful of states that allow a state-approved pre-licensing course with exam to provide an exemption from the state exam. This applies to candidates pursuing their Florida DHS license as well.

Don’t worry though…AdjusterPro makes it easy. Our Florida Certified Adjuster Pre-licensing Course is 100% online. No additional testing or coursework is required.

After you complete the required 40-hour pre-licensing course, you’ll be given a 100-question, multiple-choice exam which you will also take online. You must correctly answer at least 70% of the questions to pass. Once you pass the included exam, you are qualified to apply for your Florida DHS adjuster license.

Our course has been rigorously prepared and is regularly updated. Our online classroom allows you to print reference materials, take practice tests, and even create your own quizzes to help with subjects you are struggling with. We recommend moving on to the exam only after you’re consistently making 90% on your practice tests and passing all the quizzes with flying colors.

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.

Read the Article

#3: Submit an Application for Your Florida 70-20 DHS Adjuster License  

Once you’ve taken the required pre-licensing course and passed the included state exam, you’re ready to apply for your Florida Designated Home State (70-20) adjuster license.

Florida requires all applicants to submit a fingerprint background check with their license application. Process and submit fingerprints according to instructions at Florida DFS Fingerprinting Requirements. Out-of-state applicants need to enter their zip code on the registration site to view the nearest LiveScan locations. If there isn’t a location close to you, the option to submit fingerprint cards by mail is available.

Submit your application through MyProfile. The Florida online application will work best on a PC using Internet Explorer. Applicants concerned with criminal background questions on the application can view a list of Disqualifying Crimes provided by the state.

You may need to submit Proof of Citizenship Documentation.

Check to see if your license has been issued by logging in to MyProfile.

In Florida, all insurance licenses require an appointment. Independent adjusters need to self-appoint by completing the following steps:

  • Go to MyProfile and log in to your account.
  • Select the “Access eAppoint” button under “Apply”. If you have never used eAppoint, you must first register and will need to select “Register to become an appointing entity.”
  • Once in the eAppoint Workbench, select the required tab (New Appointment, Renew Appointment, or Terminate Appointment) and follow the instructions on the page. You will need to remit the appropriate appointment fee(s). Appointments must be renewed every 24 months during the appointee’s birth month.

Need help completing your application? Check out our Florida adjuster application instructional video below. We’ll walk you through the entire process, step by step.

#4: Complete Florida Continuing Education and License Renewal Requirements 

Once you have your DHS license, you’ll need to complete some additional steps (the same as resident adjusters) every few years to keep it active.

Florida requires 24 hours of continuing education (CE) every two years. The 24 hours must include the 5-Hour Law and Ethics update. The remaining 19 hours are electives.

Florida independent adjusters may NOT receive credit for any approved course taken twice in two years. You cannot take the same course within a two-year period, regardless of the compliance cycle.

There is no license renewal required for Florida adjusters provided the licensee is properly appointed when applicable. Failure to complete CE requirements may result in cancellation of an appointment that could lead to termination of the license. The license will also expire if more than 48 months lapse without an appointment. You can log in to MyProfile to update your appointment. The reporting period for completing Florida CE is every 2 years by the end of the licensee’s birth month.

AdjusterPro offers over 40 hours of state-approved continuing education courses for Florida insurance claims adjusters. Courses can be purchased individually or as a discounted bundle that will completely fulfill the 24-hour requirement.

View continuing education courses for Florida insurance adjusters. Our CE courses are approved for both resident and DHS adjusters.

Additional Information for Florida Insurance Adjusters

Now that you know how to become an adjuster, let’s take a detailed look at the fees and costs of getting and maintaining your Florida 70-20 DHS license.

Florida Adjuster Licensing Fees

  • AdjusterPro Florida Certified Adjuster Designation +Exam: $299
  • Initial Licensing & Application Fee: $50
  • License ID Fee: $5
  • Fingerprinting Fee: $48.55 (including state and FBI fees. May vary depending on location and local taxes)
  • Independent Adjuster Appointment Fee: $60
  • No Renewal Fee

Florida 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. And it is one of the main reasons for getting a DHS License.

With your Florida DHS License, you’ll receive the same reciprocity privileges as resident adjusters. This is vital for both finding employment and maintaining a successful career. 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.

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. To see what states will offer reciprocal licensing privileges to Florida adjusters and DHS adjusters, visit our Florida Adjuster Reciprocity Map. At the bottom of the page, we also offer a downloadable guide to help you prioritize which reciprocal licenses you should get first.

Florida grants reciprocal licenses to adjusters who are licensed in a state that has a reciprocal agreement with Florida. AZ, CA, HI, NM, and NY do not have reciprocal agreements with Florida. More information is also available at FLDFS Adjuster Reciprocity.

Florida Department of Financial Services Contact Information

Website: Florida Department of Financial Services

Mailing Address:
Florida Department of Financial Services
Bureau of Licensing, Room 419
200 East Gaines Street
Tallahassee, FL 32399-0319

Phone: 850-413-3137
Emailagentlicensing@myfloridacfo.com


Becoming a licensed Florida insurance adjuster is vital for those interested in working catastrophic claims in this era of volatile weather activity. Taking advantage of AdjusterPro’s ‘Certified Adjuster Designation’ ensures you can meet the state’s requirements while getting your Florida Adjuster License quickly and conveniently from your own home.

No matter where you’re at in your insurance adjusting career, we can help.

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