The Florida 6-20 All-Lines Adjuster Exam

Format of the Florida 6-20 All-Lines Adjuster exam

The Florida 6-20 All-Lines Adjuster Examination is administered by Pearson VUE on behalf of the Florida Department of Financial Services (DFS / MyFloridaCFO). Passing it is one route to the 6-20 license, which lets you adjust property, casualty, auto, and most other claims (every line except life and health) as a company or staff adjuster, an independent adjuster, or a public adjuster with the proper appointment.

The exam itself is straightforward once you know the rules:

• 100 scored multiple-choice questions, with a few unscored pretest items mixed in that do not count toward your result.
• 2-hour time limit — roughly a minute per question, with time to review.
• Closed book. You may not bring notes, statutes, or reference materials into the testing room.
• 70% to pass. You need to answer at least 70 of the 100 scored questions correctly.
• No retake limit. If you do not pass, you can schedule and pay for another attempt.

Because the test is closed book, success comes down to genuine recall, not lookup speed. That is the opposite of many trade exams, so plan your study around memorization and repeated practice rather than building tabbed reference binders.

What is tested: the ten content areas

The exam draws from ten content areas that together cover the knowledge an all-lines adjuster needs in the field. Expect questions spread across:

• Insurance basics and general principles
• Florida insurance law (Chapter 626) and the Valued Policy Law
• Adjuster ethics and conduct
• The claims process and claim handling
• Property coverage — homeowners, dwelling, and flood (NFIP)
• Commercial property and the Businessowners Policy (BOP)
• Casualty and Commercial General Liability (CGL)
• Auto, including Florida PIP / no-fault
• Workers’ compensation
• Policy provisions and general coverage concepts

Florida law and ethics carry real weight, so do not treat them as afterthoughts. To see how these areas appear in practice, work through our Florida adjuster practice test and review targeted exam questions by topic.

Exemptions and who has to take the exam

Not everyone sits for the Pearson VUE test. Florida residents can be exempt from the state exam by completing an approved 40-hour Accredited Claims Adjuster (ACA) designation course at a Florida postsecondary institution, or by already holding certain credentials — a 2-20 General Lines agent license, an all-lines public adjuster license, an insurance-related degree, or a designation such as the AIC.

Candidates without an exemption take the Pearson VUE exam described here. Non-residents do not use the 6-20 path at all; they apply for the 70-20 nonresident all-lines license instead. Before you register, confirm which route applies to you on our Florida adjuster license requirements page so you do not pay for an exam you could skip.

How to register and what to expect on test day

You schedule the exam directly through Pearson VUE, choosing a testing center or, where offered, an online proctored slot. The fee is about $44 per attempt, paid when you book. Bring valid, government-issued photo identification that matches the name on your registration, and arrive early to allow time for check-in and security screening.

Once you start, the format is predictable: answer 100 scored multiple-choice questions within two hours, with a handful of unscored pretest items blended in. Manage the clock, flag tough questions to revisit, and aim comfortably above the 70% line. Most candidates who fail simply ran short on Florida law and ethics, so balanced preparation matters more than raw insurance experience.

The most reliable preparation is realistic, repeated practice that mirrors the closed-book format. Build your foundation with our Florida adjuster study guide, then read our step-by-step plan for how to pass the Florida adjuster exam the first time, and check our notes on the Florida adjuster exam pass rate to set realistic expectations.

Frequently asked questions