Licensing Basics

If you want to work as a catastrophe adjuster or independent adjuster, having an adjusting license is a must. You can seek licensing in your home state, or you can seek a license in a state you commonly work in, like Florida or Texas. Once you're licensed in one state, you can begin seeking adjuster licenses in other states that reciprocate with your state. You can usually find this list on your state's department of insurance website. If you want to work flood claims, you'll need your NFIP license.

If you ONLY work as a catastrophe adjuster, you may never need a license, as you can work off temporary licenses as you go from state to state. However, you'll definitely need to make up for the lack of a license with training and experience. Also keep in mind that as a catastrophe adjuster who only has temporary licenses, you may be excluded from smaller events that aren't declared emergencies, like tropical storms.

Helpful links:
Getting your Florida adjuster license
Getting your Texas adjuster license
Getting your NFIP license