How to Get a Texas All-Lines Adjuster License: A Step-by-Step Guide

Last reviewed: July 17, 2026

The Texas All-Lines Adjuster license allows qualified professionals to investigate, evaluate and adjust insurance claims on behalf of insurers and claims organizations.

For most Texas residents, the licensing process involves completing an exam or qualifying for an exam exemption, completing a fingerprint background check and submitting an application through Sircon.

Here is the short version:

1. Choose the Texas All-Lines Adjuster license.

2. Complete a Texas Department of Insurance-approved prelicensing course or pass the state licensing exam.

3. Complete the fingerprint background-check process.

4. Apply for the license through Sircon.

5. Develop practical claims skills such as inspection, documentation, estimating and professional communication.

This guide explains each step and answers the most common questions from prospective Texas adjusters.

What is the Texas All-Lines Adjuster license?

The Texas All-Lines Adjuster license is a professional license issued by the Texas Department of Insurance, commonly called TDI.

Texas law defines an adjuster as someone who investigates or adjusts losses for an insurer, supervises claims handling, or handles certain workers’ compensation claims. Adjusters may work as employees or independent contractors. The complete legal definition is available in Chapter 4101 of the Texas Insurance Code.

An All-Lines license should not be confused with a public insurance adjuster license. An All-Lines adjuster generally handles claims on behalf of an insurer or claims organization. A public adjuster represents the insured and follows a different licensing process.

What skills do insurance adjusters need in Texas?

A license establishes that an adjuster has met state requirements, but successful claims work also requires practical and interpersonal skills.

Important adjuster skills include:

• Policy interpretation: Understanding coverage, exclusions, deductibles and claim responsibilities.

• Inspection and documentation: Identifying damage and creating accurate notes, measurements and photographs.

• Estimating: Preparing organized repair estimates using appropriate pricing and claim information.

• Communication: Explaining the claims process clearly and professionally.

• Time management: Handling inspections, reports, follow-ups and deadlines across multiple claims.

• Technology: Working with claims platforms, digital photographs and estimating applications.

• Ethics and accuracy: Documenting facts objectively and protecting private information.

• Emotional intelligence: Communicating calmly with policyholders after stressful losses.

Property adjusters can also benefit from learning Xactimate. It is separate from the state licensing requirement, but estimating-software experience can help new adjusters become better prepared for property assignments.

1st Source Adjuster School’s Xactimate X1 training covers roof sketching, category codes, estimate creation, estimate submission, macros and related workflows.

Do I need to take the Texas state licensing exam?

There are two primary ways to satisfy the examination requirement.

Path 1: Complete a TDI-approved prelicensing course

TDI states that applicants may be exempt from the state exam if they completed a TDI-approved course or training program in adjusting losses during the previous 12 months.

A certified adjuster prelicensing program must provide at least 40 hours of education. TDI also requires the All-Lines course examination to contain 150 questions, and students must earn at least 70% to receive a certificate. See TDI’s official prelicensing course requirements.

This path allows a student to satisfy the education and examination requirement through the approved provider’s program.

Path 2: Take the state licensing exam

Applicants who do not qualify for an exemption can take the licensing exam through Pearson VUE. TDI directs candidates to Pearson VUE for the current candidate handbook, exam outlines and scheduling information.

Because rules and eligibility can change, verify your individual path on TDI’s official All-Lines Adjuster application page before applying.

Are online adjuster courses effective for licensing in Texas?

Yes—an online program can provide an effective licensing path when the provider and specific course are TDI-approved and the course fits the student’s learning style.

Before enrolling, confirm:

• The course is currently approved for Texas adjuster prelicensing.

• The program meets the 40-hour education requirement.

• The course explains whether its certificate qualifies for the TDI exam exemption.

• The format includes knowledge checks or practice questions.

• Technical support is available when needed.

• The provider explains what happens after course completion.

• Any additional charges or retest policies are disclosed.

Online learning can be particularly useful for working adults because it reduces travel and provides greater scheduling flexibility. However, students still need to study consistently and master the material. “Online” should not mean “automatic.”

1st Source Adjuster School offers a self-paced online Texas All-Lines program, along with optional instructor-led Xactimate training.

Where can I find TDI-approved adjuster courses?

TDI directs applicants to Sircon to locate approved courses. Create a Sircon account and use its approved-course or education-provider search tools to verify a program’s current status.

Verification matters because:

• The education provider must be registered.

• The specific prelicensing course must be approved.

• Provider and course approvals can change.

• Completing an unapproved course may not satisfy the licensing requirement.

Do not rely only on an advertisement or an old screenshot. Confirm the approval through Sircon and review the latest guidance from the Texas Department of Insurance.

When contacting a school, ask for the provider name and course information exactly as they appear in the state system.

How do I apply for a Texas adjuster license after training?

After completing your approved training or passing the required exam, follow these steps.

1. Keep your completion documentation

Save your course completion certificate and make sure your name matches the name you will use on your license application.

TDI warns that differences in spelling, spaces or other identifying details between education records and the application can cause delays.

2. Begin the fingerprint process

Start through TDI’s online initial application and fingerprint portal to receive the appropriate fingerprint service code and instructions.

Most applicants must complete a fingerprint background check through IdentoGO and provide the required receipt. Some applicants may qualify for an exemption, so follow TDI’s instructions for your circumstances.

3. Submit your license application through Sircon

Texas residents apply online through Sircon. TDI currently lists the resident individual application fee as $50.

Submit the application within the required timeframe. TDI says applicants using the state-exam route must apply within one year after passing or retake the examination.

4. Monitor the application

Watch your email and Sircon account for requests or status updates. Background-check results or missing information can affect processing time.

TDI publishes current licensing processing dates, although applications requiring additional background review may take longer.

What should I learn after getting licensed?

A new license does not automatically guarantee employment or claim assignments. New adjusters should continue developing field-ready skills.

Priorities may include:

• Property inspection fundamentals

• Roof and exterior damage documentation

• Interior damage scoping

• Xactimate estimate creation

• Claims-file organization

• Carrier guidelines

• Customer communication

• Resume preparation

• Independent adjusting firm applications

• Interview and deployment readiness

Consider combining licensing education with practical estimating and inspection instruction. Explore online adjuster and Xactimate courses or review the current classroom schedule.

Frequently asked questions

How long is a Texas adjuster prelicensing course?

A TDI-certified adjuster prelicensing course must meet a minimum 40-hour education requirement.

How many questions are on an approved All-Lines course exam?

TDI requires an approved All-Lines prelicensing course examination to contain 150 questions. Students must score at least 70% to receive a completion certificate.

Can I complete Texas adjuster training online?

Yes. TDI-approved providers may offer qualifying instruction through approved online formats. Verify the provider and specific course before enrolling.

Do I need fingerprints after completing an approved course?

Most resident applicants must complete TDI’s fingerprint background-check process. Certain applicants may qualify for an exemption.

How much is the Texas resident adjuster application fee?

TDI currently lists a $50 resident application fee. Check the official TDI page before applying because government fees may change.

Does an adjuster license guarantee a job?

No. A license makes you eligible for licensed work, but hiring and assignments depend on experience, training, demand, availability and employer requirements.

Is Xactimate required to receive the license?

No. Xactimate training is not itself a TDI licensing requirement. It is a practical skill commonly associated with property-claim estimating.

Start your Texas adjuster training

1st Source Adjuster School provides Texas All-Lines prelicensing education, online training, classroom options and practical Xactimate instruction.

Review the online training options, explore the Texas adjuster course schedule, or call 713-737-5244 for assistance choosing a program.

Licensing requirements and fees can change. Always confirm current requirements directly with the Texas Department of Insurance before applying.