What This License Is
A Texas All-Lines Adjuster license lets you investigate, evaluate, and settle claims across property, casualty, auto, and workers' compensation lines — whether you work for one insurer (staff adjuster) or handle claims for multiple carriers (independent adjuster). It's issued by the Texas Department of Insurance (TDI).
Texas also offers a narrower Property & Casualty Adjuster license, but most candidates take the all-lines exam — the broader authority costs nothing extra and keeps every claim type open to you.
There's no mandatory pre-licensing education if you take the state exam. Alternatively, a TDI-approved adjuster course completed within the last 12 months waives the exam — the route most Texas adjusters actually take.
Eligibility Requirements
You must be at least 18 years old. A criminal history involving fraud or dishonesty can lead to denial; answer all background questions truthfully.
Fingerprinting through IdentoGO is required for most applicants before TDI will process the application. Out-of-state applicants holding an active resident license in their home state may be able to substitute alternative documentation.
Two Paths: Exam or Approved Course
Path 1 — the exam. Pearson VUE administers the Texas All-Lines Adjuster exam ($49 per attempt). Pass it and you have one year to submit your license application before the result expires.
Path 2 — the exam waiver. Complete a TDI-approved course or training program in adjusting losses within the last 12 months and the state exam is waived entirely. If you'd rather study on a schedule than bet the day on one sitting, this is your route — and it's how the majority of Texas adjusters license.
Either way, you apply online through Sircon with a $50 fee after fingerprinting through IdentoGO.
Passing Score
You need 70% to pass, with your result shown on screen immediately. Aim for a consistent 80% on practice exams before scheduling.
Texas as Your Designated Home State
If you live in a state that doesn't license adjusters (about 15 states plus D.C.), you can't hold a resident adjuster license at home — so reciprocity in other states has nothing to anchor to. The fix is a Designated Home State (DHS) license: you name Texas as your home state, meet its full licensing standard (exam or approved course), and other states then treat your Texas DHS license as if it were a resident license.
Texas is the most popular DHS choice in the country because its all-lines authority is broad and widely reciprocated. If you're reading this from Colorado, Ohio, Pennsylvania, Illinois, or another non-licensing state, this guide is your path too — the requirements are the same.
Keeping Your License Active
Important CE details: Includes 3 hours of ethics; at least half the hours must be classroom or classroom-equivalent.
The Texas adjuster license renews every 2 years and requires 24 hours of continuing education per license period, including 3 hours of ethics. At least half the hours must be classroom or classroom-equivalent.
Let the license lapse and you have up to one year to reinstate (with a $25 late fee) before you'd have to requalify. Confirm current requirements on TDI's continuing-education page.
Quick Reference
Official Links
Don't study generic. Study Texas.
You've got the roadmap. Now get the Texas-specific Adjuster question bank, mock exams, and video course built by instructors with 20+ years teaching this material.