Texas residents, follow our step-by-step guide below to get your Texas Insurance Claims Adjuster License. We’ve also included information on how to renew your Texas license and what reciprocity looks like for TX adjusters so you’ll have everything you need to obtain and maintain your license.
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 to see details on getting your DHS or nonresident license.
Let’s get started!
#1: Meet the Basic Requirements for the Texas Adjuster License
Before you start taking steps to get your adjuster license, make sure you meet Texas’ basic requirements.
- Be a U.S. citizen or legal alien with a work authorization from the Immigration and Naturalization Services
- Be at least 18 years of age
If you meet these basic requirements, it’s time to decide what kind of adjuster you want to be and ace your state exam.
#2: Choose Which Type of License to Pursue
Texas offers two lines of authority for insurance claims adjusters so you’ll need to choose which license you want before getting started: All-Lines Adjuster or Property & Casualty (P&C) Adjuster.
The difference between the two lies in which types of insurance you have the authority to handle claims for. 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? Unless you’ve been directed otherwise by your employer, we recommend the all-lines adjuster license because it certifies you to handle more lines of insurance and represents the most comprehensive license available. And since we offer them for the same price, all-lines adds up to a little more bang for your buck.
#3: Take Our Texas Pre-Licensing Course and Pass the Exam
Texas 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. AdjusterPro makes it easy. Our Texas Adjuster Pre-licensing Courses are 100% online. No additional testing or coursework is required.
After you complete the required 40-hour pre-licensing course, you’re given a 150-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 Texas 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.
#4: Submit an Application for Your Texas Adjuster License
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.
Texas requires applicants to submit a fingerprint background check with their license application. The fingerprints are used to check your criminal history records of the Texas Department of Public Safety (DPS) and the FBI. You can schedule an appointment to get fingerprinted through IdentoGO or visit the Texas Fingerprint Requirements page to see detailed instructions.
After fingerprinting, submit your adjuster application through Sircon.
You can check to see if your Texas Adjuster License has been issued on TDI’s License Search page.
Need help completing your application? Check out our Texas adjuster application instructional video below. We’ll walk you through the entire process, step by step.
#5: Complete Texas Continuing Education and License Renewal Requirements
Once you have your license, you’ll need to complete some additional steps every few years to keep it active. Resident Texas adjusters are required to complete 24 hours of continuing education (CE) every two years to renew their license. Licenses must be renewed every two years, on the last day of the licensee’s birthday month.
Currently, the 24 hours of continuing education must include 3 hours of Ethics. For licenses expiring on or after September 30, 2022, the CE requirement for ethics will increase from two hours to three hours per license. This change doesn’t affect the total number of hours required during the two-year licensing period.
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.
To ensure there is no delay in renewing your license, Texas recommends completing your CE hours at least 30 days before your license expires. This allows time for the continuing education provider to report the course completions to them.
Renew your license through TDI License Renewal.
AdjusterPro offers over 40 hours of state-approved continuing education courses for Texas adjusters. Courses can be purchased individually or as a discounted bundle that will completely fulfill the 24-hour requirement.
View Continuing Education Courses for Texas Insurance Adjusters.
Additional Information for Texas 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 license.
Texas Adjuster Licensing Fees
- AdjusterPro Pre-Licensing Course Including Exam: $279
- Fingerprinting Fee: $41.50
- License Application Fee: $50
- License Renewal Fee: $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. 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 Texas adjusters, visit our Texas 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.
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. California, Hawaii and New York do not offer reciprocal licenses to Texas adjusters.
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
Fax: 512-490-1029
Email: license@tdi.texas.gov
Obtaining your home state license is the first step to a career as an insurance adjuster. Once you become a licensed insurance claims adjuster in Texas, you should apply for reciprocal licenses so you can work in more states, making you more attractive to potential employers.
No matter where you’re at in your insurance adjusting career, we can help.
