The Florida 6-20 All-Lines Adjuster license opens the door to one of the most flexible and in-demand careers in Florida insurance — covering property, auto, catastrophe, and liability claims under a single credential. This guide walks you through every step, explains what the ACA Designation course covers, and shows you how to skip the state exam entirely.
Ready to get started? OLT’s 40-hour ACA Designation course is fully online, state-approved, and waives the state exam.
Enroll in the 6-20 ACA Course →100% online · 40 hours · state exam waived · DFS Provider #366468 · Course Approval #98773
Also searched as: You may see this license written as 620 adjuster license, 6 20 all lines adjuster license, 620 all lines adjuster license Florida, or Florida all-lines adjuster license — they all refer to the same Florida DFS 6-20 All-Lines Adjuster credential.
What Does “All-Lines” Actually Mean?
“All-lines” means you are licensed to adjust most major types of personal and commercial insurance claims — not just one niche. With a Florida 6-20 All-Lines Adjuster license you can work on:
???? Property Claims
Homeowners, commercial property, condo, and renters losses from hurricane, fire, wind, water, theft, and more.
???? Auto Claims
Personal and commercial auto accidents, physical damage, and liability claims.
???? CAT Claims
Large-scale hurricane and storm events where thousands of policyholders file claims at once — often creating surge demand and deployment opportunities for adjusters.
???? Liability & Misc.
General liability, premises liability, inland marine, and other coverages depending on your employer’s needs.
Is a Florida All-Lines Adjuster Career Right for You?
A 6-20 adjuster career is a strong fit if you want a professional role without years in school, enjoy problem-solving, and are comfortable working with people in stressful situations.
Florida’s active hurricane seasons and complex insurance environment mean there is ongoing need for licensed adjusters year-round — not just after major storms. Adjusters typically blend field work, desk work, and remote work depending on their employer and the type of claims they handle.
???? Multiple career paths
Work as a staff adjuster inside a carrier, an independent adjuster for an adjusting firm, a CAT adjuster on deployment teams, or a public adjuster apprentice — all under one license.
???? High and recurring demand
Every hurricane season creates thousands of new claims. Florida’s recovering insurance market is also bringing in new carriers — and more carriers means more staff and more claims to handle.
???? Flexible income potential
Many adjusters start with steady staff positions, then add catastrophe or independent work as they gain experience. Independent adjusters are often paid per claim.
???? Clear upgrade path
The 6-20 license is a natural first step toward the 3-20 Public Adjuster license, which allows you to represent policyholders independently — a higher-earning and highly respected role.
How to Get Your Florida 6-20 License: Step by Step
Florida offers two paths to the 6-20 license. The ACA Designation route is faster for most people because it waives the state exam entirely.
Enroll in the 40-hour ACA Designation course
Complete OLT’s state-approved online course covering Florida insurance law, ethics, claims handling procedures, and real-world adjuster scenarios.
Pass the course final exam
The closed-book final exam is taken online from home. Passing it earns your ACA Designation certificate and waives the Florida state licensing exam.
Apply for your license & get fingerprinted
Submit your application and designation certificate through DFS MyProfile. Complete fingerprinting through a DFS-approved vendor. Once approved, your 6-20 license is issued.
Get appointed and start working
Once licensed, get appointed by an insurer, independent adjusting firm, or public adjusting firm and begin handling claims.
Basic eligibility requirements
You must be at least 18 years old, hold a valid U.S. Social Security number, and be able to pass a DFS background check.
Verify current requirements
Always confirm the latest licensing rules, forms, and fees directly on the Florida DFS website or in your DFS MyProfile account before applying.
Skip the state exam — OLT’s 40-hour ACA Designation course is the fastest path to your Florida 6-20 license.
Enroll in the 6-20 ACA Course →What Is the Florida 6-20 ACA Designation Course?
OLT’s 40-hour Accredited Claims Adjuster (ACA) Designation course is the state-approved education requirement for the Florida 6-20 All-Lines Adjuster license. Completing the course and passing the final exam waives the separate Florida state licensing exam for eligible applicants.
What the course covers
- Florida insurance law and regulations relevant to adjusters
- Ethics and professional conduct standards
- Claims handling procedures across property, auto, liability, and CAT lines
- Policy interpretation and coverage analysis
- Damage estimation and settlement practices
Course format
- 100% online and text-based — no videos to buffer or live sessions to attend
- Self-paced with clear reading assignments, quizzes, and a final exam
- Accessible from any internet-connected device — phone, tablet, or computer
- Instructor and staff support available by email or phone throughout your enrollment
- Course extensions available — OLT can also pause your enrollment if life gets in the way
| Course name | 40 hr 6-20 All-Lines Accredited Claims Adjuster Designation Course |
| Provider | OnLine Training, Inc. (OLT) in partnership with a Florida-approved college |
| DFS Provider # | 366468 |
| Course Approval # | 98773 |
| Hours | 40 hours |
| Enrollment period | 3 months (extensions available) |
| State exam | Waived upon course completion |
From 6-20 to 3-20: The Public Adjuster Upgrade Path
The 6-20 All-Lines Adjuster license is also a stepping stone toward Florida’s 3-20 Public Adjuster license — which allows you to represent policyholders rather than insurance companies, typically at higher compensation.
- Earn your 6-20 license via the ACA Designation course
- Secure a $50,000 bond and get appointed by a licensed public adjusting firm
- Work as a 31-20 Public Adjuster Apprentice — no mandatory waiting period before starting
- Build the experience and qualifications needed to apply for your 3-20 Public Adjuster license
Get your 6-20 license now
Complete OLT’s 40-hour ACA Designation course online, skip the state exam, and apply for your Florida 6-20 license.
Enroll in the ACA Course →Browse all Florida insurance courses
Looking for a different license? OLT offers Florida-approved pre-licensing, CE, and designation courses across all major license types.
View All Insurance Courses →Florida 6-20 Adjuster License — Frequently Asked Questions
Not if you complete an approved designation course. OLT’s 40-hour ACA Designation course is approved by Florida DFS to waive the state licensing exam. You pass the course final exam at home, receive your designation certificate, and apply for your license — no Pearson VUE exam required.
The 40-hour ACA course is 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.
Because it is an all-lines license, a 6-20 adjuster can handle property damage, auto, liability, workers’ comp, and CAT claims — depending on the insurer and lines involved. The broad coverage makes it one of the most versatile adjuster licenses available.
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 6-20 is typically the first step toward earning the 3-20.
No. While many Florida adjusters work hurricane and CAT claims, the 6-20 All-Lines license also covers everyday property, auto, and liability claims year-round. The “all-lines” designation means you are not limited to any single claim type.
The standard enrollment period is three months. If you need more time, OLT offers course extensions — and if life gets in the way, you can contact the OLT office and they can pause your enrollment until you are ready to resume.
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 issued by Florida DFS. The formatting varies in how people search for it.