How To Get A Florida 70-20 DHS License

Author: Ethan Peyton

The Florida 70-20 DHS license – also known as the Florida Designated Home State Adjuster License – is the obvious choice for folks that live in a non-licensing state.

A quick primer on DHS licenses: If you want to get a job as an insurance claims adjuster, you’ll need a license. If you live in a state that doesn’t offer its own adjuster license, a designated home state license is the correct path forward.

Florida and Texas are the two most popular states to get your DHS license, but we recommend FL, as the licensing process is more streamlined and simpler.

Florida 70-20 DHS Adjuster License Requirements

Before getting into the steps required to get the license, there are a few pre-requisite requirements you’ll need to fill.

  • You must be 18 years of age or older
  • You must not be a resident of Florida (FL residents use the Florida 6-20 Adjuster License)
  • You must be a citizen of the United States or legal immigrant with work authorization
  • You must not have a resident adjuster license or DHS adjuster license in any state
  • You must be able to pass a criminal history background check

DHS licenses were specifically created for folks that live in a non-licensing state. These states are: CO, IL, IA, KS, MD, MA, MO, NE, NJ, ND, OH, PA, SD, TN, VA, WI, and DC.

If you live in one of the 34 licensing states, you’ll need to get your home state’s license – not the FL DHS license. 

Find your state’s license instructions on our Adjuster Licensing page.

Florida DHS Adjuster Pre-License Course

We mentioned above that the Florida adjuster licensing process has been streamlined, which is why we recommend it as the best state to get your DHS license in.

The area of the process that has been streamlined is the exam step. The original process requires purchasing an exam-prep course, then studying for and taking an in-person state adjuster exam. 

The new method is much simpler. Certain companies offer adjuster courses that grant you an adjuster certification, which allows you to skip the state exam

You’ll still take a comprehensive exam to show that you have the knowledge required to hold the license, but instead of paying a per-attempt fee and driving to a testing center, you’ll take the test in your own home – covering the specific material from the course.

This improves your chances of passing the exam the first time, and saves time and money through the licensing process.

Our recommended adjuster course provider is AdjusterPro. Through their course, you’ll learn the required material to pass their internal exam and be awarded the Certified Adjuster (CA) certification

If you choose AdjusterPro to get your certification, you can skip step 3 in the licensing process below.

Recommended Course

We recommend AdjusterPro’s Adjuster Course as the #1 resource to get your Florida DHS license.

How to Get Your Florida 70-20 DHS Adjuster License

To get a Florida DHS Adjuster license, you’ll file your application and fees, submit fingerprints, complete a test-prep course, pass the exam, then appoint your license.

A common question we receive is: How much is the Florida 70-20 DHS adjuster license? Prices will vary depending on the type of license, but the most common license will cost as little as $410.

Another common question is: How long does it take to get the Florida 70-20 DHS adjuster license? If you take the proper time to study and pass the exam on your first attempt, the process should take around 3-4 weeks.

If using AdjusterPro’s certification course:

  1. Complete the AdjusterPro course and certification exam
  2. Apply for the Florida 70-20 License
  3. Submit your fingerprints
  4. Appoint your license

See details for each step below.

Step 1: Florida 70-20 Adjuster License Application – FDFS

The first step towards getting your Florida DHS license is to complete and submit your application.

The application is located in the MyProfile system on the FLDFS (Florida Department of Financial Services) website. You’ll use MyProfile throughout the license process.

The total application fee is $55.

Step 2: Submit Fingerprints and Background Check

After applying, the next step is to have your fingerprints taken.

The vendor you’ll use in this process is IdentoGo. Schedule an appointment using their online system.

In the dropdowns, choose DFS – Dept. of Financial Resources as the agency, then FDOI APPLICANT INSURANCE AGENT as the ori number.

The fee for fingerprinting services is $50.75.


Submitting your fingerprints will initiate a background check through both the FBI and Florida Department of Law Enforcement. If you have any past offenses on your record and are curious of your eligibility for an insurance license, read these guidelines for applicants with criminal histories.

Your appointment will be at a LiveScan location nearest you. If there is no location close enough to you, you can choose to submit your fingerprints through the mail. Only choose this option if you truly can’t travel to a LiveScan location. 

If you are not a US citizen, you will need to submit your proof of your Legal Alien With Work Authorization status by emailing Florida Department of Financial Services or uploading the documents in MyProfile.

Step 3. Florida 70-20 Adjuster Exam


Remember, if you’ve chosen to get your license through AdjusterPro’s certification course, you will skip this step.

Once you’ve submitted your application and fingerprints, the next step is to pass the Florida DHS Adjuster Exam.

To register to take the exam, use the Pearson VUE Florida Insurance page. 

The price for each attempt of the exam is $44.

Adjuster License TypeCostQuestionsTime AllottedExam Outline
All-Lines Adjuster License$441002 hoursExam Outline

You must score at least 70% on the exam to pass.

Is the Florida Adjuster Exam Hard?

A common question we receive is: Is the adjuster exam hard?

Difficulty is a subjective matter, but we answer this question with: Yes. The exam is intentionally tough.

Don’t let this discourage you. Keep in mind that most folks who take this exam haven’t taken any formal tests since high school or college. The state intentionally makes these tests difficult in the hopes of protecting the average citizen from working with adjusters who don’t understand the laws and guidelines surrounding insurance.

The key to passing the exam is to take your exam-prep course seriously and allow yourself time for in-depth study. 

Check out our Adjuster Exam Study Guide for tips and strategies to pass your exam on the first attempt.

Application and Background Check Processing

Once you’ve completed all of the steps above you’ll just need to wait for the background check to come back and the licensing department to process all the paperwork. The FDFS will contact you if they need any supporting documentation or have any questions. Be sure to respond promptly to any requests.

If everything goes smoothly, you’ll receive a message from the licensing department within a week or so containing your license number and any other pertinent information. You can check the status of your license online using MyProfile.

Step 4. License Appointment

In order to activate your license, Florida requires one more step: appointing your license.

If your plan is to be an independent adjuster, you will “self-appoint” – meaning you will use your own name in the appointment section.

If you will be a staff adjuster, your employer will give you the information to put in the appointment section – or they may set your appointment for you.

If you aren’t yet sure which direction you’ll take, go ahead and self appoint for now. You can always change this in the future.

Appointments are set through your MyProfile account. The fee for setting a license appointment is $60. 

Congratulations! You’ve got your DHS license, and can call yourself a licensed insurance adjuster in Florida!

After Getting Your DHS License

Now that you’re licensed, you can get to work! Most folks take one of two paths at this point. They choose to become an independent adjuster or a staff adjuster.

The main difference is that staff adjusters are employed by one firm, usually an insurance company, whereas independent adjusters operate as contractors, normally being “rostered” to multiple Independent Adjusting (IA) firms.

If you’re interested in becoming a staff adjuster, check out the current job openings on StateRequirement Jobs

If the independent adjuster role is more alluring (we think it is), check out AdjusterPro’s IA Directory.

Adjuster Certifications

To be considered a great candidate for IA firms or insurance companies, you’ll need to prove that you know how to actually work an insurance claim. Certifications show that you know your stuff and will give you a strong advantage over other candidates. 

While there are several adjuster certifications available, focus on Xactimate and Insurance Company certs first.

Xactimate Certifications

Xactimate is the industry standard software used by adjusters and insurance companies. There are three levels of certification offered by Xactimate

You should strongly consider levels one and two now, and look into level three after you’ve spent some time in the field.

Insurance Company Adjuster Certifications

Large insurance companies like State Farm, Allstate, Liberty Mutual, and others require that adjusters (staff or independent) get their specific certifications. 

To get these certs, you’ll need to be on the roster of an IA firm that works with that company. They offer courses to their adjusters throughout the year. Staff adjusters that work for the insurance company will be provided training and certification through their employer.

It’s widely accepted that State Farm’s adjuster certification is the most valuable insurance company cert. They are the largest insurer in the US, and therefore have more claims than other insurers.

Out-of-State and Reciprocal Licensing

Most claims, especially catastrophe (CAT) claims come from weather events. And since you can’t control the weather, you should get licenses in states outside your home state. These are called Non-Resident Adjuster Licenses.

IA firms are much more likely to both roster you and select you for work if you are licensed in states where they operate. If you’re already on a roster or two, talk with your contact there to see if they recommend a state to get licensed in.

The best states to start with are generally those that neighbor your home state. Note that there are a few states that are slightly more complicated:

  • New York, California, and Hawaii – These states don’t offer any reciprocal licensing, meaning you’ll have to complete the licensing process as if you were a resident.
  • Arizona and Alaska – These states don’t currently recognize DHS licenses. Similar to NY, CA, and HI, this means you’ll need to complete their licensing processes like a resident.

Other states offer what’s called reciprocation with Florida. This means that you don’t need to take a pre-licensing course or pass an exam in order to get their license. All you need to do is apply, pay the fee, and you’ll be licensed quickly.

License Renewal and Continuing Education

The Florida DHS Adjuster License 70-20 expires every two years. To keep your license active, you must:

  • Complete 24 hours of continuing education (CE) coursework

Any additional non-resident licenses you hold will also expire. Most state licenses expire every two years and require a renewal fee. Note that unless the state specifically requires it, you will not be required to take CE courses for each state – just your home state.

References and Links

Florida Department of Financial Services

200 East Gaines Street,
Tallahassee, FL 32399