Texas Public Insurance Adjuster Licensing: A Definitive Guide

Texas Public Insurance Adjuster Licensing: A Definitive Guide

Public insurance adjusters advocate for policyholders when filing an insurance claim as a result of property damage or loss. Before an adjuster may handle and adjust insurance claims for a policyholder in the state of Texas, he or she must be licensed by the Texas Department of Insurance (TDI). The process of getting a Texas public adjuster license is fairly straightforward and can be broken down into three steps:

  1. applicants must pass the adjuster licensing exam

  2. submit fingerprints for a background check

  3. submit an application, a $10,000 public adjuster bond, and additional documentation to the TDI

Taking the Examination

Those applying for a public adjuster license must pass a 100-question examination. The examination is multiple-choice and covers general insurance texts and forms, as well as a section pertaining specifically to Texas adjusters. It costs $48 to take the exam and applicants can sign up through Pearson VUE using the exam code, InsTX-PbAdj17. From January through June 2018, the public adjuster examination pass rate among all test takers—both new and repeat—was roughly 61%. Exam outlines, resources, and supplements are available on the Pearson website. Once an applicant passes the exam, they have up to one year to submit their application. 

Applicants are exempt from taking the examination if his or her license has been expired between 90 days and one year or the applicant has a current license in another state.

Fingerprinting for Background Check

The next step in the public adjuster licensing process is submitting fingerprints for a background check pursuant to sections §1.501 through §1.509 of the Texas Administrative Code. The background check is required to verify with the Texas Department of Public Safety and the Federal Bureau of Investigation that you have no criminal record at the state or federal level.

Appointments for fingerprint background checks must be made using IdentoGO and can be scheduled online or by calling (888) 467-2080. Payment for having fingerprints taken may be submitted using a credit card, business check, money order, or coupon codes. Personal checks or cash are not accepted forms of payment for fingerprints at this time. Your fingerprints will be sent electronically to the DOS and FBI – no printed fingerprint cards will be given. Save the receipt from the fingerprinting process for the application process.

Some applicants may be exempt from the fingerprint requirement pursuant to 28 TAC §1.504(b). Exemptions are generally for those who are already licensed or have recently held a license or if they are applying for an emergency adjuster license in the wake of some kind of catastrophic event.

Applying as an Individual Adjuster or Adjuster Agency

Once you have achieved a passing score on your examination and submitted fingerprints for a background check, all that remains is to actually apply for the adjuster license.

Individual Public Adjusters

To apply for an individual adjuster license, go to the Sircon online portal, fill out the application and pay a $50 application fee.

If you’re applying to reinstate an expired adjuster license, fill out Form FIN506 and pay a $75 application fee. A copy of the fingerprint receipt must be attached to the form.

If you’re applying for multiple license types, the $50 fee applies to each license. Public insurance adjusters in Texas are also required to provide proof of financial responsibility in the form of a $10,000 Texas public adjuster bond. Through SuretyBonds.com, Texas public insurance adjusters bonds do not require a credit check, meaning all applicants are approved instantly for $100.

A 25% multi-year discount is available when you purchase your bond with SuretyBonds.com. For example, purchasing a $10,000 Texas public adjuster bond for a two-year term would cost $175 instead of annual $100 payments. Upon payment through our online portal, your original bond documents will be delivered electronically to the email address on file within minutes.

Save time and money by working with SuretyBonds.com!

Public Adjuster Agencies

To apply for a public insurance adjuster agency license, submit Form FIN603 and pay a $50 application fee. These applications must list the names of all executive officers, directors, or partners who contribute to the agency’s operations, as well as a list of all people or groups who handle the operation of the agency. One officer or active partner is required to possess an all lines adjuster license.

Like the individual license application, proof of a $10,000 adjuster agency surety bond as financial responsibility must be submitted to the TDI for an application to be considered complete. This is done by filling out the Public Insurance Adjuster Bond form (Form FIN509) and attaching the original bond.

Lastly, information about the contract that will be used with your clients needs to be made clear. You can use either:

  • The contract from the TDI, the Public Insurance Adjuster Contract (Form FIN535). Mark on the application that you will use the Department’s contract.

       or 

Once the TDI approves the application and issues a license, you may begin practicing as a public insurance adjuster in the state of Texas.

Review the three steps to becoming a licensed public insurance adjuster in Texas in the graphic below.

Review the three steps to becoming a licensed public insurance adjuster in Texas in the graphic below.

Pass the licensing exam, submit fingerprints for a background check, submit application and $10,000 surety bond.



About the Author

Liv Jackson
Liv is a senior at the University of Missouri - Columbia studying Journalism and Spanish. She is a member of the marketing department and outreach team for SuretyBonds.com, a leading provider of online bonding for clients nationwide.