Florida 6-20 Adjuster License: Requirements, Steps & Best Course (2026)

What Is a Florida 6-20 All-Lines Adjuster License?

A Florida 6-20 all-lines adjuster license gives you the legal authority to investigate, evaluate, and help settle insurance claims across multiple lines of coverage — including property, auto, liability, and workers' compensation.

It is the standard adjuster license in Florida and is required for anyone who wants to adjust claims professionally, whether for an insurance company, an independent adjusting firm, or as a public adjuster apprentice.

You may see it written several ways — 6-20 license, 620 adjuster license, Florida all-lines adjuster license, or 6-20 all-lines adjuster license — they all refer to the same credential issued by the Florida Department of Financial Services (DFS).

What Can You Do With a Florida 6-20 Adjuster License?

The 6-20 is called "all-lines" for a reason — it covers a wide range of claim types and opens three distinct career paths.

Types of Claims a 6-20 Adjuster Can Handle

Because it covers all lines, the 6-20 license lets you work across a wide range of claim types:

• Property damage (storm, fire, flood, wind)
• Auto and vehicle claims
• Liability claims
• Workers' compensation claims
• CAT (catastrophe) claims — especially relevant in Florida

How to Get Your Florida 6-20 Adjuster License: Step by Step

Florida offers two paths to the 6-20 license. The faster, smarter option for most people is the ACA Designation route — because it waives the state exam.

Step-by-Step: ACA Designation Path (Recommended)

1. Meet the basic requirements
   You must be at least 18 years old, have a valid U.S. Social Security number, and be able to pass a background check through DFS.
2. Complete the 40-hour ACA Designation course
   OLT's online ACA course covers Florida insurance law, ethics, and claims handling — everything you need to get licensed and start working. It's fully self-paced and accessible from any device.
3. Submit fingerprints
   DFS requires fingerprints through an approved vendor. This needs to be completed before your license is issued — plan for it early.
4. Apply for your license through DFS MyProfile
   Submit your application, fees, and course completion certificate through your DFS MyProfile account. Once approved, your 6-20 license is issued.
5. Get appointed and start working
   Once licensed, you can be appointed by an insurer, adjusting firm, or public adjusting firm and begin handling claims.

Why the ACA Designation Is the Best Path to Your 6-20 License

Florida law allows approved designation courses to substitute for the state licensing exam. OLT's 40-hour Accredited Claims Adjuster (ACA) Designation is approved for exactly this purpose — which means:

• No state exam to schedule, travel to, or stress about
• 40 hours — one of the shortest paths to any Florida insurance license
• 100% online and self-paced — study on your schedule, from any device
• Covers what matters — Florida insurance law, ethics, claims procedures, and real-world adjusting scenarios
• Fast completion certificate — so you can apply for your license as soon as you finish

Many OLT students complete the 40-hour course within a week of focused study and have their license application submitted shortly after.

Why the 6-20 License Is Worth Getting in 2026

Florida consistently generates some of the highest claim volumes in the country — storm seasons, property disputes, and an active real estate market mean adjusters are in steady demand year-round, not just after major events.

• Multiple career paths — staff adjuster, independent adjuster, CAT adjuster, or public adjuster apprentice — all from one license
• Flexible work options — independent adjusters often work contract or per-claim, giving you control over your schedule
• Growing demand — more carriers entering Florida's recovering market means more claims, more staff, and more opportunities
• A clear upgrade path — the 6-20 is a natural stepping stone to the 3-20 Public Adjuster license for those who want to represent policyholders independently

The Path from 6-20 to 3-20 Public Adjuster

Once you hold a valid 6-20 all-lines adjuster license and secure a $50,000 bond, you can be appointed as a 31-20 public adjuster apprentice immediately — there is no mandatory waiting period before starting the apprenticeship. Florida law requires the all-lines license, the bond, and a proper appointment by a qualified public adjusting firm. The apprenticeship gives you hands-on experience representing policyholders and is a common path to earning your own 3-20 Public Adjuster license.

Florida 6-20 Adjuster License — Frequently Asked Questions

What is a Florida 6-20 all-lines adjuster license?

It is the standard all-lines adjuster license issued by the Florida Department of Financial Services. It gives you the legal authority to investigate, evaluate, and help settle insurance claims across property, auto, liability, workers' comp, and other covered lines.

Do I need to take a state exam to get a Florida 6-20 license?

Not if you complete an approved designation course. OLT's 40-hour Accredited Claims Adjuster (ACA) Designation is approved by Florida DFS to waive the state licensing exam. You complete the course, submit fingerprints, and apply for your license — no Pearson VUE exam required.

How long does it take to get a Florida 6-20 adjuster license?

The course itself is 40 hours and is fully self-paced — many students complete it in about one week of focused study. After finishing, you submit your DFS application and fingerprints. Total time from enrollment to issued license is typically a few weeks depending on DFS processing times.

What types of claims can a 6-20 adjuster handle?

Because it is an all-lines license, a 6-20 adjuster can handle property damage, auto, liability, workers' comp, CAT claims, and other covered losses — depending on the insurer and lines involved.

Can a 6-20 adjuster work as a public adjuster?

A 6-20 license does not allow you to act as a full public adjuster, but it does allow you to work as a public adjuster apprentice (31-20) under a licensed public adjusting firm. This is a common path toward eventually earning the 3-20 Public Adjuster license.

What is the difference between a 6-20 and a 3-20 license in Florida?

The 6-20 all-lines adjuster license allows you to adjust claims on behalf of insurance companies or as an apprentice. The 3-20 Public Adjuster license allows you to independently represent policyholders — the people making claims. The 6-20 is typically the first step toward the 3-20.

What is the 620 adjuster license? Is it the same as the 6-20?

Yes — "620 adjuster license," "6-20 license," "6 20 all lines adjuster license," and "Florida all-lines adjuster license" all refer to the same credential. The formatting varies in how people search for it, but it is one license issued by Florida DFS.

Is the 6-20 adjuster license a good choice for beginners?

Yes — it is one of the most recommended entry points into the Florida insurance industry for people interested in claims. The ACA Designation path is only 40 hours, requires no state exam, and immediately opens multiple career paths.