Florida Adjuster License - Be Careful of Tall Stories From Texas

The University of Central Florida and Florida Insurance University receive daily calls from students interested in obtaining the Florida All Lines adjuster license. Often the prospective student has been making a careful examination of the different schools and providers who offer adjuster designations in Florida. One tall tale that has been making the rounds is that if a Florida resident first obtains the Texas non-resident license, the student can then use that Texas license to obtain the Florida license through reciprocity. Nothing could be further from the truth!

If you are a Florida resident, you must qualify for the Florida All Lines license by taking an approved designation course for the Florida license, or take the state exam.

Several years ago, we received a frantic call from one insurance company which had about 60 adjusters who had taken the Texas course. Each adjuster had spent approximately $600 for the Texas training, only to find out that nobody qualified for the Florida license, because they were Florida residents.

When they found out that if they taken the Florida Accredited Claims Adjuster Designation first, they would have qualified for the Texas license through reciprocity and that they would not have been required to take the Texas course or spend the extra money, believe me...there were some big, angry adjuster dudes!

The way the system works is:

1. If you are a Florida resident, you may take the Accredited Claims Adjuster Designation and be exempted from the state exam for the 5-20 Independent or 6-20 Company license, or take the state licensing test;

2. If you are a non-resident and your state requires adjuster licensing, you must have your home state's license before Florida will allow you to obtain the non-resident license;

3. If you are a non-resident and your state does not require adjuster licensing, you are eligible for the Florida non-resident license by taking the ACA Designation course.

If any school or organization tells you that a Florida resident can obtain the license without meeting Florida's requirements first, exercise caution, and check those representations with the Department of Financial Services in Tallahasse by going to www.fldfs.com.

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Alabama Insurance Adjuster - 3 Steps To Become A Licensed Adjuster In Alabama

With no pre-licensing exam and no continuing education requirements, obtaining your insurance adjuster license in the state of Alabama is one of the easier licensing procedures a claims adjuster will encounter. Follow these 3 steps to obtain and maintain your adjuster license in this important hurricane claims region of the gulf.

Step 1) Know the Requirements

Individuals applying for an insurance adjuster license in Alabama must be 19 years of age or older. According to the Alabama Department of Insurance, experience requirements mandate that you either "be

1) a full-time salaried employee of a licensed adjuster or

2) a graduate of a recognized law school or

3) have experience or special education or training in the handling of loss claims under insurance contracts of sufficient duration and reasonable extent to make him or her competent to fulfill the responsibilities of an adjuster." The Department further specifies that applicants be trustworthy and of good character. Finally, it is specified that adjusters with an Alabama license should maintain a public office with access to records pertinent to all claims transactions done in the state.

Step 2) Obtain the Alabama Adjuster License

In order to obtain this license, you will need to fill out Alabama Adjuster Application Form AL-90 and include the mandatory application fee of $100. For out of state adjusters - Alabama's reciprocal licenses policies are very generous. Alabama grants reciprocal licensing privileges to those adjusters who hold a license in their home state, or, if their state doesn't have an adjuster licensing requirement, from any other state.

Step 3) Maintain Your Alabama License

Licensed Alabama adjusters must renew their license once a year by submitting a renewal application and a $80 renewal fee. There are no Continuing Education requirements mandated by the Department of Insurance for adjusters.

In summary, qualified adjusters wishing to become licensed in Alabama need only submit an application to become licensed. No exam and no continuing education are required to successfully obtain and maintain your license. Independent adjusters interested in working catastrophic claims should strongly consider obtaining the Alabama adjuster license as the more densely populated coastal regions are highly susceptible to hurricanes. As well as enabling you to work in Alabama, holding this license will increase your own marketability as an independent claims adjuster by increasing your geographic versatility. For additional information, refer to the complete Alabama insurance adjuster requirements.

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