Texas Public Adjuster Licensing Guide

Becoming a Licensed Public Adjuster in Texas

Public insurance adjusters represent policyholders - not insurance companies - in property claims. In Texas, the license is issued by the Texas Department of Insurance (TDI) and the profession is governed by Texas Insurance Code Chapter 4102.

This guide summarizes the path as TDI describes it. Requirements and fees can change, so always confirm the details on the official pages linked below before you act on them.

Step 1 - Pass the state licensing exam

Texas administers the public insurance adjuster exam through Pearson VUE. The Pearson VUE website has the candidate handbook, the exam content outline, testing locations, scheduling, and current exam fees. TDI does not list a pre-license course requirement for this license, so the exam content outline is the best map of what to study.

Plan your timeline around one TDI rule: if you do not submit your license application within one year of passing the exam, you will have to retake it.

Step 2 - Complete the fingerprint background check

Most applicants must complete a fingerprint background check. You start the process on TDI's online initial application and fingerprint portal, which gives you the instructions and service code, then have your fingerprints taken through IdentoGO. Keep the receipt showing your prints were sent to the Texas Department of Public Safety - you will need it for your application.

Step 3 - Apply online through Sircon

Resident individual applications are submitted online through Sircon. TDI lists the application fee at $50 on its application page - check that page for current amounts before you apply.

As part of the application, you tell TDI which contract you will use with your clients. You can upload your own contract if it meets Texas Administrative Code section 19.708, or use the contract TDI developed, Form FIN535 (PDF).

Step 4 - Provide proof of a surety bond

TDI requires proof of a surety bond of $10,000 or more, with you listed as the sole principal. You upload the Public Insurance Adjuster Bond form, Form FIN509 (PDF), and a copy of the original bond form with your Sircon application.

After you are licensed - continuing education

To keep the license in good standing, Texas requires 24 hours of continuing education every two years. TDI's license management page covers CE rules, renewal, and how to check your credits through Sircon.

What the Exam Covers

The official exam content outline, available from Pearson VUE, is the authoritative study map. Expect heavy emphasis on property policy knowledge - fire and commercial property coverage, business income, and flood - along with general insurance principles, the claims process, and the Texas laws and ethics rules that apply specifically to public adjusters.

To learn each of those areas in depth, work through our free exam study guide - four lessons that follow the outline's content areas, with flashcards for the vocabulary and worked examples for the math.

A practical way to study: work through the content outline section by section, read Chapter 4102 directly since its fee and conduct rules are tested and short, and drill practice questions until the core concepts are automatic.

Prepare for the Exam in Three Steps

Step 1

Learn the material

Four free lessons that teach each exam content area - property insurance concepts, insurance terms, policy provisions, and Texas law - with flashcards for the vocabulary and worked examples for the math.

Step 2

Do practice questions

Topic-by-topic quizzes covering insurance basics, property coverage, Texas law and ethics, and the claims process. No account needed, and your best scores are saved in your browser.

Step 3

Take a timed final exam

Three full-length timed practice finals that mirror the real exam format, with a section-by-section score breakdown and lesson links for anything you miss.

AI study companion

Texas Public Adjuster Exam Prep is a third-party study tool built on ChatGPT that can quiz you and explain concepts conversationally. It is an external tool, not a Crossroads product, and it requires a ChatGPT account. As with any AI tool, verify important answers against official sources.

Open in ChatGPT

Official Resources

Working on your license?

We accept applications from licensed adjusters and from people still working toward their license. Tell us where you are in the process.

This guide is provided for general information only and is not legal advice. Licensing requirements, forms, and fees are set by the Texas Department of Insurance and may change. Always verify current requirements on the official TDI and Pearson VUE pages linked above.