DFS 90-Day Denial of Your Florida Insurance Adjuster License Application

When applying for a Florida insurance adjuster license through the Department of Financial Services, failing to disclose your law enforcement record can lead to an immediate denial of your application.

Related reading: Learn how your law enforcement history also impacts an Insurance Agent License application.

Howell, Buchan & Strong can help you review your records before you apply or assist you if you have already received a Notice of 90-Day Denial.

Law Enforcement Records and Your Application

DFS treats an applicant’s law enforcement record as a material part of the Florida insurance adjuster application process. Any failure to accurately and truthfully answer questions about your history, or to respond fully to DFS requests, is considered a material misrepresentation or material misstatement.

For a broader overview of how DFS evaluates criminal histories across license types, see our blog on The Impact of Your Law Enforcement Records on Your Application for an Insurance Agent License.

Failure to Disclose a Law Enforcement Record

If an applicant fails to disclose a law enforcement record, DFS will deny the Florida insurance adjuster application. The applicant will then receive a Notice of 90 Day Denial. DFS will not consider another application for a similar license until at least 30 days after the date of the denial letter.

Discovery of a Law Enforcement Record After a License is Issued

DFS may suspend or revoke a Florida insurance adjuster license if it later determines that the applicant failed to accurately or truthfully disclose any law enforcement record during the application process.

Working with an attorney experienced in Florida administrative law can help you navigate the DFS process, negotiate favorable terms, or represent you in litigation before DOAH and on appeal if needed.