How to Get a Texas Adjuster License (2026)
A complete guide to the Texas All Lines and Property and Casualty adjuster licenses: the two ways to qualify (pass the Pearson VUE exam, or finish a TDI-approved pre-licensing course and skip it), fingerprints, the application, what it costs, and what it takes to renew.
Skip the state exam with a TDI-approved course
Our 40-hour pre-licensing courses are TDI-approved for the exam-waiver route: All Lines (TDI course #147956) and Property and Casualty (TDI course #147957).
Texas adjuster license requirements at a glance
| Regulator | Texas Department of Insurance (TDI); Texas Insurance Code Chapter 4101 |
| License types | All Lines (§4101.001) and Property and Casualty (§4101.003); Texas also issues Workers' Compensation, designated home state, emergency, and public adjuster licenses |
| Exam | Pearson VUE: All Lines InsTX-ALAdj16 or P&C InsTX-PCA81, 150 scored questions, 150 minutes, $49, passing scaled score 70 |
| Exam waiver | TDI-approved course or training program in adjusting losses completed within the last 12 months (not less than 40 hours under 28 TAC §19.1003) |
| Fingerprints | Required for most applicants: TDI fingerprint portal, then IdentoGO |
| Application | Online through Sircon, $50, within one year of passing the exam |
| Renewal | Every two years, $50 renewal fee ($25 more if late) |
| Continuing education | 24 hours per term, 3 in ethics, at least 12 classroom or classroom equivalent (§4101.059) |
The six steps
- 1
Pick the license: All Lines or Property and Casualty
Texas issues an All Lines adjuster license and a separate Property and Casualty adjuster license. Both exams cover property and casualty adjusting; the All Lines content outline also includes workers' compensation, which the P&C outline does not, so All Lines is the broader license. If you are licensed elsewhere, check whether you qualify for a non-resident license instead.
- 2
Choose your route: the exam or a TDI-approved course
TDI waives the exam if you completed a TDI-approved course or training program in adjusting losses within the last 12 months. So you either pass the Pearson VUE adjuster exam, or complete an approved pre-licensing course (TDI rules set it at not less than 40 hours) and apply within 12 months of finishing. Approved courses are listed in Sircon's Approved Courses Inquiry.
- 3
Pass the exam or finish the course
Exam route: the All Lines (InsTX-ALAdj16) and P&C (InsTX-PCA81) adjuster exams each have 150 scored questions, a 150-minute limit, a $49 fee, and a passing scaled score of 70. Course route: complete the course, including its own final exam, which TDI regulates under 28 TAC §19.1017. Our All Lines (#147956) and P&C (#147957) 40-hour courses are TDI-approved for exactly this route.
- 4
Get fingerprinted
Start on TDI's online initial application and fingerprint portal to get your fingerprint service code, then complete a fingerprint background check with IdentoGO. Texas residents who already hold an active TDI license and have submitted fingerprints do not need to repeat them.
- 5
Apply on Sircon
Submit the application online through Sircon. The fee is $50. If you took the exam, apply within one year of passing or you will have to retake it; do not apply before you pass, or you will need to file and pay again.
- 6
Renew every two years with 24 CE hours
Texas adjuster licenses run on a two-year term. To renew you pay a $50 renewal fee on Sircon and complete 24 hours of CE, including 3 hours of ethics, with at least 12 hours in classroom or classroom-equivalent courses. TDI fines $50 for each missing hour, up to $500 per license type.
Exam route vs. course route
| Exam route | Course route | |
|---|---|---|
| What you do | Pass the Pearson VUE adjuster exam at a test center | Complete a TDI-approved pre-licensing course, including the course's own final exam |
| Length | 150 scored questions in 150 minutes | At least 40 hours of study |
| State test fee | $49 per attempt | None: the state exam is waived |
| Clock to apply | Within one year of passing | Within 12 months of completing the course |
The exam route can be quicker if you already know property and casualty coverage and claims. The course route trades a single high-stakes state test for structured study. Either way, fingerprints and the $50 application are the same.
Other ways in, and one different license
- Non-resident license. An active adjuster license in good standing in your home state lets you apply for a Texas non-resident license on Sircon ($50), without the exam if your state is reciprocal.
- Designated home state (DHS). Texas also issues a designated home state all lines adjuster license, which uses the All Lines exam (InsTX-ALAdj16) and the same exam exemptions, including the approved-course route. DHS licensees follow Texas CE rules.
- Designations. The CPCU and Associate in Claims (AIC) designations exempt you from the exam.
- Emergency license. TDI offers a 90-day emergency (catastrophe) adjuster license. There is no temporary license or provisional permit for All Lines or P&C adjusters.
- Public adjusters are separate. If you want to represent policyholders rather than insurers, you need a public insurance adjuster license under Chapter 4102, with its own exam and financial responsibility requirement. See how to become a public adjuster in Texas.
What it costs
Fees change, so treat this as a checklist and verify before paying:
- TDI application fee: $50
- Pearson VUE adjuster exam (exam route): $49 per attempt, see pearsonvue.com/tx/insurance
- IdentoGO fingerprinting: see current pricing when you schedule through TDI's fingerprint portal
- TDI-approved pre-licensing course (course route): see the All Lines and P&C course pages
- Renewal every two years: $50, plus 24 CE hours
Ready to qualify without the state exam?
Our Texas All Lines Adjuster 40-hour pre-licensing course (TDI course #147956) and Texas Property & Casualty Adjuster 40-hour pre-licensing course (TDI course #147957) are TDI-approved pre-licensing education for their licenses. Complete one, then apply on Sircon within 12 months.
Start the All Lines course →Frequently asked questions
Can I get a Texas adjuster license without taking the exam?
Yes. TDI says you do not need to take the exam if you completed a TDI-approved course or training program in adjusting losses within the last 12 months. Other exam exemptions include a license in good standing in a reciprocal state, the CPCU or Associate in Claims (AIC) designation, and reinstating a license that has been expired more than 90 days but less than one year.
What is the difference between the All Lines and the Property and Casualty adjuster license?
They are separate Texas license types with separate exams and approved courses. Both exams have 150 scored questions weighted 40% product knowledge, 40% terms and concepts, and 20% Texas statutes and rules. The All Lines outline also covers workers' compensation; the Property and Casualty outline does not. Texas also has a standalone Workers' Compensation adjuster license.
How much does a Texas adjuster license cost?
The TDI application fee is $50. On the exam route, the Pearson VUE All Lines or P&C adjuster exam is $49 per attempt. Add the IdentoGO fingerprinting fee (check current pricing when you schedule) and, on the course route, the cost of the approved course. Renewal is $50 every two years.
How long do I have to apply after passing the exam or finishing the course?
Twelve months either way. TDI requires the application within one year of passing the exam, and the course exemption applies only to an approved course completed within the last 12 months.
What is on the Texas adjuster exam?
Pearson VUE content outline #124401 (effective September 1, 2026) lists 150 scored questions for both the All Lines and the P&C adjuster exam: general property and casualty product knowledge (40%), insurance terms and related concepts (40%), and Texas statutes and rules pertinent to adjusting (20%). Each exam allows 150 minutes and needs a scaled score of 70 to pass. There is no limit on retakes.
What CE does a Texas adjuster need?
24 hours every two years, including 3 hours of ethics, with at least 12 hours in classroom or classroom-equivalent courses (Tex. Ins. Code §4101.059 and 28 TAC Chapter 19, Subchapter K). Non-resident adjusters usually follow their home state's CE rules, but a Texas designated home state (DHS) adjuster follows Texas rules.
I live outside Texas. How do I get licensed?
If you hold an active adjuster license in good standing in your home state, apply for a Texas non-resident license on Sircon ($50). Texas also issues a designated home state (DHS) all lines adjuster license; DHS licensees follow Texas rules, including Texas CE.
Is a Texas adjuster license the same as a public adjuster license?
No. All Lines and P&C adjusters work claims for insurers, either as staff or as independent adjusters. A public adjuster represents the policyholder and needs a separate Texas public insurance adjuster license under Insurance Code Chapter 4102, with its own exam and financial responsibility requirement. See our guide on how to become a public adjuster in Texas.
Related guides
- How to become a public adjuster in Texas
- Texas insurance CE requirements
- Pearson VUE Texas insurance exam: what to expect
Requirements summarized from the Texas Department of Insurance all lines and property and casualty adjuster license pages, Texas Insurance Code Chapter 4101, 28 TAC Chapter 19 Subchapter K (including §§19.1003 and 19.1017), and the Pearson VUE Texas Insurance Licensing Candidate Handbook (#124400) and Content Outlines (#124401, effective September 1, 2026), current as of September 2026. Fees and rules change: verify at tdi.texas.gov before relying on any specific number. This guide is not legal advice.