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Reciprocity for Florida Adjuster License

In the United States, insurance is generally regulated at the State level. Each State has it’s own policies and procedures to ensure that insurance companies, agents, and adjusters act in the best interest of their clients. For Adjusters, this means a couple of things.

First, you must be licensed in the state where the loss was incurred. For example, if you are an inside adjuster working in Georgia, but you are handling losses that occurred in Florida, you have to have a license to adjust in Florida.

To get licensed in other states, adjusters can use reciprocity. Basically, this means that once you have your Florida license, you can apply to other states that are reciprocal with Florida without having to do additional testing or background checks. You just submit your application, pay a processing fee, and get a non-resident license for states in which you want to work.

The process is pretty simple. The map above shows

  • states that are reciprocal with Florida (blue/green),
  • non-reciprocal states (yellow), and
  • non-licensing states (purple).

On this page, we have links to the websites of the most common reciprocal states in the vicinity of Florida.

In addition to individual State websites, the National Insurance Producer Registry (NIPR) is used by a number of states (NC and SC, for example) to do their applications. NIPR acts as a type of clearinghouse where adjusters can go to get licensed at various states without having to hunt down individual sites.

Visit the NIPR website for more information.

Get a complete list of reciprocating states for licensing and CE on the Florida DFS website.