How to Get a Texas Adjuster License

Author: Ethan Peyton

If you’re working toward becoming an Insurance Adjuster in Texas, you’ve found the right place.

We know your goal is to get the Texas Adjuster License. And since we’ve been through the process ourselves, our goal is to help you save money and get the license as quickly as possible.

This guide covers the requirements and gives simple step-by-step instructions so you can get your license and get started in your claims adjusting career.

These steps can take a few weeks, so we recommend saving or bookmarking this page to reference it through the process.

Quick Tip

We recommend AdjusterPro for all adjuster licensing courses.

Texas Adjuster License Requirements

Before you begin the steps to getting your Texas adjuster license there’s a few requirements you’ll need to ensure you qualify.

  • You must be 18 years of age or older
  • You must be a resident of Texas (non-residents will need to apply for a different license)
  • You must be able to pass a background check (more info in step 4)

Along with these requirements, you’ll also need to choose which lines of insurance you’d like to work within.

  • All-Lines Adjuster 
  • Property and Casualty (P&C) Adjuster 
  • Workers’ Compensation Adjuster (WC)

We recommend choosing the Texas All Lines Adjuster license over the P&C or WC licenses. This license is the most flexible, allowing you to adjust more claims – along with offering better reciprocation to other states’ non-resident licenses.


  • If you are a non-resident of Texas and live in a non-licensing state, you can use the steps below to designate Texas as your Home State and get the Texas DHS license.

How to Get a Texas Adjuster License

  1. Take an Adjuster Course with state exam exemption
  2. File an initial application through TDI
  3. Submit your fingerprints
  4. Apply for the Texas All-Lines Adjuster License
  5. Background check and application review

Step 1: Texas Adjuster License Course with State Exam Exemption

The first step to getting your Texas adjuster license is to take an adjuster pre-licensing course.

There are a few courses that offer a state exam exemption, meaning that you won’t be required to take the state exam. Rather, you’ll only need to complete the course to apply for the license.

Adjuster classes that provide an exam exemption generally cost around $280.

We recommend the AdjusterPro Texas Adjuster Pre-Licensing with State Exam course. This course offers the state exam exemption and completes your prerequisites for the Texas All-Lines Adjuster License.

Recommended Course

AdjusterPro offers two courses for Texas Adjusters: 

If you plan on becoming an independent adjuster, we highly recommend the Total Adjuster Package.

Step 2: Initial Application

Once you’ve completed your adjuster course, the next step is to submit an initial application.

This initial application informs the Texas Department of Insurance (TDI) that an application will be coming in soon. It also provides you with the service code to register for your fingerprinting appointment.

Complete this initial application on the TDI Website and write down the fingerprint service code. You’ll also get an email with this information.

Step 3: Submit Fingerprints

Once you’ve submitted your license application, the next step in the process is to submit your fingerprints.

In the email you received after your initial application, you should have received instructions to schedule a fingerprinting appointment.

Appointments are scheduled through IdentoGO.

The fee will differ depending on the service center you choose, but our fingerprint fee was $41.50.

Keep your receipt from IdentoGO, as you’ll need to upload a copy in the application (next step).


Submitting your fingerprints will initiate a background check. If you have any past offenses on your record and are curious of your eligibility for an insurance license, reach out to the TDOI licensing department for clarification. 

Step 4: Texas Adjuster License Application

Once you have completed your fingerprints, you’ll apply for your license.

File your application on the Texas Sircon website.

The fee to submit an application is $50.

Be sure to upload a copy of your IdentoGO fingerprint receipt in your application. Screenshots of the enrollment page or payment confirmation page will not be accepted.


  • Military members and their spouses may be eligible for waived or reduced licensing fees. Read this form to learn more and apply.

Step 5: 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. TDI 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 the Texas Insurance License Search tool.

Congratulations! You are now a licensed insurance adjuster in Texas!

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After Getting Your 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. For Texas, this includes:

  • Oklahoma
  • Arkansas
  • Louisiana
  • New Mexico

All these states offer what’s called reciprocation with Texas. 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 Texas Adjuster License expires every two years. To keep your license active, you must:

  • Complete 24 hours of continuing education (CE) coursework at least 30 days before your license expires 
  • Pay the renewal fee of $50

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.

Find instructions on our Texas Adjuster License Renewal guide.

Texas Adjuster License FAQ

How much is the Texas adjuster license?

Prices will vary depending on the type of license and the adjuster course you choose, but our total license cost was about $380.

How long does it take to get the Texas adjuster license?

If you take the proper time to work through the adjuster course and study well for the internal exam, the process should take around 3-4 weeks.

Is the Texas Adjuster Exam Hard?

The Texas Adjuster Exam is intentionally difficult to ensure the wellbeing of the Texas citizens who will be served by licensed adjusters.
The pass rate in 2023 for the Texas All-Lines Adjuster Exam is 43%
If you take an adjuster course with an exam exemption, you can get your license without taking the state exam.

References and Links

Texas Department of Insurance

1601 Congress Avenue
Austin, TX, 78701
(512) 676-6022

Licensing Without an Exam Exemption


If you choose to take a Texas AdjusterPro course, disregard the information below.

If you choose to take an adjuster course that doesn’t provide a state exam exemption, your steps will be a little different.

Texas Adjuster Exam

The first step in this non-exempt process is to take the Texas Adjuster Exam. Once you’ve passed this exam, you can move to step 2 above

To register to take the exam, use the Pearson VUE Texas website. Be sure to have your Certificate of Completion when registering.

The price for each attempt of the exam is $43

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

Depending on the type of license you’re working toward, the number of questions and time allotted for the exam differ. See the table below for details.

Adjuster License TypeCostQuestionsTime AllottedExam Outline
All-Lines Adjuster$431502 hours and 30 minutesExam Outline
Property and Casualty Adjuster (P&C)$431502 hours and 30 minutesExam Outline
Workers’ Compensation Adjuster (WC)$431502 hours and 30 minutesExam Outline