The Texas designated home state adjuster license
Some states license insurance adjusters and some do not. If you live in one that does not, you can still be licensed: Texas will issue you an all lines adjuster license and treat Texas as your home state for licensing purposes, even though you do not live there.
One rule decides whether you can have it
The Department is blunt about this, so we will be too. In its own words: "Only residents of states that don't license adjusters can apply for this license." And, on the same page: "If your state offers a resident adjuster license, you are not eligible. Your application will be declined, and your application fees will not be refunded."
Read at the Texas Department of Insurance on 2026-08-14.
If you live in Florida, this is not for you
Florida issues its own resident adjuster license, the 6-20 All Lines Adjuster. That single fact makes a Florida resident ineligible for the Texas license, and the fees are not refunded for finding out the expensive way.
This matters because the Texas license is written about as though anyone can take it. The route open to you is the 6-20, and it is worth reading first: several of its routes need no pre-licensing course at all.
What Texas asks of someone eligible
| Exam | Required, and passed before you apply. Applying first means applying again and paying again. The exam code is InsTX-ALAdj16 and the fee is $49, paid when the seat is booked rather than at the test center. |
|---|---|
| Ways around the exam | A TDI-approved course or training program in adjusting losses completed within the last 12 months, or the Chartered Property and Casualty Underwriter or Associate in Claims designation. |
| Fingerprints | A background check through IdentoGO, with the receipt sent to the Department. Not needed again if you already hold an active Texas license and have submitted them. |
| Application fee | $50, filed through Sircon. |
| The clock | Fingerprints done and the application in within a year of passing, or the exam is sat again. |
| What it does not offer | No temporary license, no emergency license and no provisional permit. All three exist for other Texas adjuster licenses and none of them for this one. |
Where this is written down
The license sits in the Texas Insurance Code at section 4101.001, and the Department sets out the application on its own page for this license.
Texas Department of Insurance, adjuster: designated home state - all lines read 2026-08-14
Why we wrote this
Because the eligibility rule is the part that gets left out. A license you cannot hold is not a cheaper route to anything, and the one cost the Department names twice is the fee it will not give back.