The short version
Florida resident all-lines adjusters must complete 24 hours of approved continuing education during each two-year compliance period. Keeping the license in active status also means holding a current appointment. Missing the CE deadline can bring suspension or other administrative action until the deficiency is cured.
The CE requirement
| Requirement | Detail |
|---|---|
| Hours | 24 hours of approved continuing education |
| Period | Each two-year compliance period |
| Purpose | Keep the license active and keep the adjuster current on law and practice |
| Missing the deadline | Suspension or other administrative action until cured |
The stated purpose is not bureaucratic filler. Florida property insurance law has been amended repeatedly — claim deadlines shortened, one-way attorney fees repealed or sharply limited for many property suits, assignment-of-benefits practice reshaped. An adjuster working from the rules as they stood a few years ago is working from the wrong rules.
What “active” actually requires
A licensed adjuster without an appointment is licensed but not authorized to act for anyone. The two are separate requirements, and the exam expects you to keep them separate.
Working on a lapsed license is a different order of problem
Continuing to operate as an adjuster after a license has lapsed or been revoked exposes the individual to administrative penalties, fines, and possible criminal charges. This is not the same category of mistake as being late on CE hours — it is unlicensed activity.
The Department of Financial Services holds the corresponding powers: it may suspend, revoke, or refuse to renew an adjuster license for statutory violations, and may refuse to issue one at the outset for a material misstatement on the application or a disqualifying criminal history.
Public adjusters and nonresidents
Continuing education applies across the license types, public adjusters included. Nonresident adjusters seeking a Florida license generally rely on holding a comparable license in good standing in their home state, or qualifying through Florida's exam and reciprocity provisions — and thereafter carry the same obligation to keep the license current.
Every resident applicant, meanwhile, must submit fingerprints for a background check before the license is issued in the first place.
CE hour counts, compliance periods, approved courses, fees and renewal mechanics are set by the Florida DFS and change over time. Confirm your own compliance period and current requirements with the DFS rather than relying on any article.
Where it is examined
Adjuster Ethics, Licensing & Professional Conduct is 8% of the Florida 6-20 All-Lines Adjuster Examination, and the licensing-maintenance questions in it are pure recall: the number of hours, the length of the period, what an appointment is, what happens when a license lapses. Get those four right and the area largely takes care of itself.
New to the license itself? Start with the 6-20 license requirements.
Pass the exam first, then keep what it earned you
FLAdjusterPrep drills all 10 content areas with 300 exam-style questions and a plain-English explanation on every answer — licensing, ethics, Florida law and claim handling.