Frequently Asked Questions

Independent Adjuster:

An “independent adjuster” is a professional licensed as an all - lines adjuster who is self - appointed or appointed and employed by an independent adjusting firm or other independent adjuster, and who undertakes on behalf of an insurer to ascertain and determine the amount of any claim, loss, or damage payable under an insurance contract or undertakes to effect settlement of such claim, loss, or damage.

Staff Adjuster:

A claim adjuster that works primarily for an insurance company, and/or TPA. As a staff adjuster, be prepared to work 40 hours per week, depending on the company you work for. This role provides you with the stability of a set scheduled and guaranteed hours.

Public Adjuster:

Public adjuster is any person, partnership, association or corporation advertising, soliciting business or holding himself [or itself] out to the public as an adjuster of claims for losses or damages arising out of policies of insurance, surety or indemnity upon property, personsor insurable business interests.

You need to obtain a 70-20 designated home state license (DHS). The FL 70-20 Adjuster license (Florida 70-20 Non-Resident Designated Home State (DHS) Adjuster License) is an insurance claims adjuster license available to individuals who are residents of a state that does not license adjusters, or to individuals who are company adjusters and reside in a state that only licenses.

The states that do not currently license adjusters: Colorado, District of Columbia, Illinois, Kansas, Maryland, Missouri, Nebraska, New Jersey, North Dakota, Ohio, Pennsylvania, South Dakota, Tennessee, Virginia, and Wisconsin.

Insurance licenses are perpetual and never expire. License holders must take continuing education classes to maintain their license, you would need to check with your state for the required hours.

Florida is reciprocal with all states except New York, California and Hawaii.

The more streamlined and cost-effective way to reciprocateyou license and remain in compliance with the insurance regulators and industry is to use one of thehyperlinks below:

Encore claim service has a service to assist with the next steps in seeking employment under training packages.

Encore Job Placement Assistant This service includes:

  • Personal Consultation with Encore Claim Services Representative to discuss the following:
    • Next steps to getting EMPLOYED
    • Adjusting firms to apply
    • Professional Resume

An individual licensed as a Florida 6-20 All-Lines Adjuster can: Determine the amount of a claim, loss or damage payable under an insurance contract, or settle the claim, loss or damage.

The average salary for Catastrophe independent adjusters is over 100K. The average salary for a staff adjuster is $66,648 per year. This is based on 204 salaries that were reported in 2022.A Public Adjuster’s is $75,188.