Texas Insurance Adjuster License 2026: All-Line + P&C Guide

Quick Answer

Texas offers three adjuster licence types — All-Line, Property & Casualty (P&C), and Workers' Comp — each requiring its own exam with a 70% pass mark. You must complete 40 hours of TDI-approved pre-licensing education (P&C) plus 20 hours Workers' Comp specialty for that licence. Total fees ~$150. Licence valid 2 years with 30 hours CE per cycle (Texas Department of Insurance, 2026).

Data last verified September 2026 from Texas Department of Insurance and Texas Insurance Code Chapter 4101.

Adjuster licence types

Source: Texas Department of Insurance (2026).

Eligibility

• Age: 18+ (Texas Department of Insurance, 2026).
• Pre-licensing: 40 hours TDI-approved (plus 20 hours for Workers' Comp).
• Background: Disclose criminal history — TDI reviews for trustworthiness.
• Exam: Pass the corresponding adjuster licence exam.

Test format

Source: TDI adjuster examination specifications (2026).

Sample Q&A — Adjuster Knowledge (20 questions)

Q1. What is a "first-party" claim?

A claim filed by the policyholder against their own insurer (e.g., homeowner files with homeowner's policy) (Texas Department of Insurance, 2026).

Q2. What is a "third-party" claim?

A claim filed by someone other than the policyholder — typically a liability claim where the insurer defends the insured (Texas Department of Insurance, 2026).

Q3. What is a deductible?

The amount the policyholder pays out of pocket before insurance coverage kicks in. Texas Insurance Code §542.201 (TDI, 2026).

Q4. What is "subrogation"?

The insurer's right to pursue recovery from a third party after paying a claim — flow-through to at-fault parties (Texas Department of Insurance, 2026).

Q5. What is the difference between "occurrence" and "claims-made" coverage?

Occurrence: covers incidents that happen during the policy period, regardless of when filed. Claims-made: covers claims filed during the policy period, regardless of when the incident occurred (Texas Department of Insurance, 2026).

Q6. What is the Texas Prompt Payment of Claims Act?

Insurers must pay or deny claims within 15 business days of receiving notice; late payments accrue 18% annual interest. Texas Insurance Code Chapter 542 (TDI, 2026).

Q7. What is the Texas Homeowner's Notice of Claim?

Policyholders must notify insurer within reasonable time; insurers must acknowledge within 15 days. Texas Insurance Code §542.055 (TDI, 2026).

Q8. What is a "reservation of rights" letter?

Insurer notifies the insured that it is investigating the claim but reserves the right to deny coverage based on policy terms (Texas Department of Insurance, 2026).

Q9. What is "bad faith" in insurance?

An insurer's unreasonable denial or delay of a valid claim — subject to extracontractual damages in Texas. Texas Insurance Code Chapter 542A (TDI, 2026).

Q10. What is the difference between ACV and RCV?

ACV (Actual Cash Value): replacement cost minus depreciation. RCV (Replacement Cost Value): full cost to replace without depreciation deduction (Texas Department of Insurance, 2026).

Q11. What is a Texas Auto Insurance PIP claim?

Personal Injury Protection — no-fault coverage that pays medical expenses regardless of fault. Texas minimum PIP is $2,500 (Texas Transportation Code §601.073, TDI, 2026).

Q12. What is "stacking" of uninsured motorist coverage?

Texas allows UM/UIM coverage to be stacked across multiple vehicles on the same policy. Texas Insurance Code §1952.103 (TDI, 2026).

Q13. What is the Texas Windstorm Insurance Association (TWIA)?

The insurer of last resort for wind/hail coverage in the Texas coastal area — required for properties not covered by standard markets. Texas Insurance Code Chapter 2210 (TDI, 2026).

Q14. What is the Texas FAIR Plan?

The Texas Fair Access to Insurance Requirements Plan — last-resort property insurance for high-risk properties. Texas Insurance Code Chapter 2211 (TDI, 2026).

Q15. What is the role of the Texas Department of Insurance in adjuster licensing?

TDI licenses and regulates adjusters, investigates complaints, and enforces Texas Insurance Code provisions. Texas Insurance Code Chapter 4101 (TDI, 2026).

Q16. What is the Texas adjuster licence renewal cycle?

Every 2 years; renewal requires 30 hours of CE (24 general + 6 ethics) and renewal fee. Texas Administrative Code §19.1010 (TDI, 2026).

Q17. What is the difference between "staff adjuster" and "independent adjuster"?

Staff: employed by the insurer. Independent: contracted by multiple insurers, usually during high-volume events. Texas Department of Insurance (2026).

Q18. What is a "public adjuster"?

An adjuster hired by the policyholder to negotiate with the insurer — regulated separately in Texas. Texas Insurance Code §4102 (TDI, 2026).

Q19. What is the Texas Insurance Adjuster Continuing Education requirement?

30 hours per 2-year cycle (24 hours general + 6 hours ethics); one-time 3-hour flood training also required. Texas Administrative Code §19.1010 (TDI, 2026).

Q20. What is the catastrophe (CAT) adjuster designation?

A state-recognised role for deployable adjusters during hurricane/wildfire seasons; requires standard licence plus catastrophe training. Texas Department of Insurance (2026).

Pass-mark interpretation

You must score at least 70% on each exam to pass. Retake rules: 30-day waiting period between attempts; 3 attempts allowed per application (Texas Department of Insurance, 2026).

Where to book

Apply via TDI's Sircon/Apply-TDI portal. After approval, schedule at any Pearson VUE Testing Center or other approved location. Bring photo ID and proof of pre-licensing education. Total fees: $50 application + $50 exam + $50 licence = $150 (Texas Department of Insurance, 2026).

Resources

Use the TutorsBot entrance-exams hub for cross-cluster practice and the TDI publications for the official Insurance Code Chapter 4101 reference.