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United States · Licensing exam

Insurance adjuster certification and designations

The state license is what lets you adjust claims. An insurance adjuster certification, or designation, comes from a school or institute, and on its own it doesn't license you. It matters because some states accept one in place of the exam: Florida waives its 6-20 exam for 13 listed designations, and Texas for the CPCU or AIC.

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Updated October 2026 · Written from official sources, listed at the bottom of this page

Does an insurance adjuster certification replace the license?

No. You still apply to the state, get fingerprinted and pay the license fee. What a designation can replace is the exam, and only in states that say so. Georgia also uses certifications for two narrow licenses: crop/hail adjusters need a CAPP card, and workers' compensation adjusters need the Certified Workers' Compensation Professional (CWCP) designation. Neither takes an exam.

Florida designations that waive the 6-20 exam

As of October 2026, DFS lists:

  • Accredited Claims Adjuster (ACA) from an accredited postsecondary institution in Florida
  • Accredited Insurance Claims Specialist (AICS) from Encore Claim Services
  • Associate in Claims (AIC) and Chartered Property and Casualty Underwriter (CPCU) from the Insurance Institute of America
  • Certified Adjuster (CA) from ALL LINES Training
  • Certified All-Lines Adjuster (CALA) from Kaplan Financial Education
  • Certified Claims Adjuster (CCA) from AE21
  • Claims Adjuster Certified Professional (CACP) from WebCE
  • Professional Claims Adjuster (PCA) from the Professional Career Institute
  • Professional in Claims (PIC) from 2021 Training
  • Professional Property Insurance Adjuster (PPIA) from HurriClaim Training Academy
  • Registered Claims Adjuster (RCA) from the American Insurance College
  • Universal Claims Certification (UCC) from the Claims and Litigation Management Alliance, with proof of the pre-certification course and exam

An insurance degree with at least 18 semester hours in property, casualty, health and commercial insurance also waives the exam, and so does a Florida General Lines agent license. Some course providers send proof to DFS within 21 days of your pass; ask yours.

Texas: CPCU, AIC or an approved course

Texas exempts CPCU and AIC holders from its adjuster exam. You send a copy of the diploma or certificate showing your name and the date it was awarded. A TDI-approved adjusting course finished in the 12 months before you apply works the same way for the All Lines, Property and Casualty and Workers' Compensation licenses.

Texas insurance adjuster license →

Georgia exemptions

Georgia's handbook lists the CPCU, the Universal Claims Certification (UCC) and a PhD in insurance as exemptions from its adjuster course and exam rules. A BBA in insurance exempts you from the course only, not the exam.

Georgia insurance adjuster license →
Sources: Florida DFS · Pearson VUE · Texas Department of Insurance and 2 more. Checked October 2026.

Rules and fees can change, so check the official site before your test.

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