To hold a Florida 6-20 Resident All-Lines Adjuster license you must be at least 18, a Florida resident, a U.S. citizen or work-authorized legal alien, and pass a background check with electronic fingerprinting. You then qualify one of two ways: pass the Florida 6-20 state exam at Pearson VUE (100 questions, closed book, 2-hour limit, 70% to pass, about $44), or qualify for a state-exam exemption such as the 40-hour ACA course. You apply through the Florida DFS in MyProfile, then keep the license with 24 hours of CE every two years.
Who is eligible for the 6-20 license
The 6-20 All-Lines Adjuster license is the resident credential that lets you adjust property, casualty, auto, and most other lines of insurance — everything except life and health. Before you worry about the exam or an exemption, you have to meet the basic eligibility rules the Department of Financial Services (DFS) sets for every resident applicant:
- You are at least 18 years old.
- You are a Florida resident.
- You are a U.S. citizen or a legal alien with federal work authorization.
- You pass a background check through electronic fingerprinting.
- You do not hold a resident adjuster license in another state — Florida residents apply for the Florida resident license, not a nonresident one.
If you live outside Florida, you do not use this license at all. Non-residents apply for the 70-20 Nonresident All-Lines Adjuster license instead, which carries the same adjusting authority but a different application path.
Route A: pass the Florida 6-20 state exam
The most common path is to sit the state exam. It is delivered by Pearson VUE for the DFS and is 100 questions, closed book, with a 2-hour limit. You need 70% to pass, and the exam fee is roughly $44. The test covers Florida insurance law, the claims and adjusting process, and every major line you will be licensed to handle, so it rewards real understanding rather than memorizing an answer key.
For the full breakdown of format, scheduling, and what to expect at the testing center, see the 6-20 exam overview. When you are ready to study, the practice test and the how-to-pass study plan walk you through it area by area.
Not sure whether to test or seek an exemption? If you do not already hold a qualifying license or designation, the state exam is usually the fastest and cheapest path — the ~$44 fee plus focused study beats waiting on a 40-hour course. The exemption routes shine when you already qualify through prior work, a 2-20 license, or a designation you earned years ago.
Route B: qualify for a state-exam exemption
You can skip the state exam entirely if you meet one of the DFS exemption criteria. Each of these proves you already know the material the exam would otherwise test:
- Complete an approved 40-hour Accredited Claims Adjuster (ACA) designation course at a Florida postsecondary institution.
- Hold a Florida 2-20 General Lines (Property & Casualty) agent license, or an all-lines public adjuster license.
- Hold an insurance degree with at least 18 semester hours covering property, casualty, health, and commercial insurance.
- Hold a recognized designation such as the AIC (Associate in Claims) or AICS (Accredited Insurance Claims Specialist).
- Provide a Letter of Clearance showing you held an all-lines adjuster license (company or independent) in another state for at least one year — and apply within 90 days of becoming a Florida resident.
An exemption removes the testing step, but it does not remove the eligibility rules or the application itself. You still complete the background check and submit your application through DFS.
How to apply through DFS, fingerprinting, and CE
All applications go through the Florida DFS using MyFloridaCFO / MyProfile, the state's online licensing portal. You create an account, complete the 6-20 application, pay the fee, and submit your electronic fingerprints for the background check. Once your fingerprints clear and your qualifying route (exam or exemption) is on file, DFS issues the license.
One detail people miss: holding the license is not the same as being able to work for a specific insurer. To act on behalf of an insurer you need an appointment, which the insurer files for you. After you are licensed, you keep it current with 24 hours of continuing education every two years. For a start-to-finish walkthrough of the whole process, see how to become a Florida adjuster.
Ready to pass the 6-20 exam?
Once you meet the requirements, the state exam is the last hurdle — and the one you can study your way past. Full access is $49 for 3 months or $89 lifetime.