11.3 CE, Renewal, Discipline & Required Notifications

Maintaining the Texas License

Licensure is a continuing condition, not a one-time exam result. The license holder must preserve education, financial responsibility, approved contract use, records, and required disclosures.

Continuing education

TDI’s current agent and adjuster guidance requires 24 hours of continuing education during each two-year license period for adjusters and public adjusters. Within those hours:

• at least 3 hours must be ethics or consumer protection;
• at least 12 hours must be classroom or classroom equivalent;
• approved courses must be properly reported.

Nonresident treatment can depend on home-state compliance. Exemptions and extensions are limited; verify eligibility rather than assuming experience waives CE.

If a licensee misses CE by expiration, TDI states a fine of $50 per deficient hour, up to $500. Paying the fine does not replace the missing course work. Under current guidance, the deficiency and fine must be resolved within the permitted period or the license can become inactive and a new application may be required.

Renewal

TDI’s public-adjuster management page currently lists:

1. complete CE and resolve CE fines;
2. pay a $50 renewal fee through Sircon;
3. pay a $25 late fee if payment is after expiration;
4. submit an updated copy of the public-adjuster contract, using FIN535 or an approved custom form.

The license must remain active before the person performs public-adjuster acts. A pending late renewal is not permission to continue practicing.

Expiration and reinstatement distinctions

The rules distinguish renewal before expiration, late renewal, and application after a longer lapse. TDI’s application page notes an exam exception for a license expired more than 90 days but less than one year, but that does not itself reactivate the license. Follow current Sircon and TDI instructions and do not transact while expired.

No examination is required merely for timely renewal under §4102.057(d). A person whose license was revoked or whose application was denied can face a statutory waiting period different from an ordinary expiration.

Grounds for discipline

Section 4102.201 permits denial, suspension, or revocation for statutory grounds that include violating the code or rules, material misstatement, fraudulent or dishonest practice, incompetence or untrustworthiness, improper handling of funds, prohibited conflicts, or failure to maintain qualifications. TDI must apply the current section to the proven facts.

Possible remedies include license action, a Chapter 4102 administrative penalty up to $2,000 per violation in lieu of suspension or revocation, automatic fines, cease-and-desist orders, and other civil or criminal sanctions.

Required notifications

The official outline tests notification to TDI concerning:

• change of address or other required contact information;
• felony conviction information;
• administrative action taken against a license holder.

Use the current TDI portal and rule for the applicable deadline and documentation; do not assume every category shares one deadline. Chapter 4102.112 specifically requires a resident or nonresident adjuster who moves to another state to file the new address and, when applicable, proof of authority in the new resident state within 30 days.

Notices sent by TDI to the last address reflected in its records can be legally effective. Keeping contact information current protects hearing and renewal rights.

Scenario

A license expires June 30 with six CE hours missing. The adjuster pays a renewal invoice on July 5 but keeps negotiating claims. Payment alone does not cure the CE deficiency or authorize expired practice. The adjuster must stop licensed activity, complete CE, pay applicable fines and late charges, submit the updated contract, and confirm active status.

Compliance calendar

Track license expiration, CE transcript, ethics hours, classroom-equivalent hours, bond status, contract version, address, and reportable events. Review at least 90 days before expiration so course reporting and contract approval do not create a gap.

Exam method

Separate four questions: education owed, money owed, documents owed, and whether authority is active. A fine never substitutes for CE, and a late application never retroactively licenses work performed during a lapse.

Maintain a compliance calendar before deadlines arise

Texas public adjusters complete 24 hours of approved continuing education during each two-year license period, including three hours of ethics, with at least half completed in classroom or classroom-equivalent formats under current TDI guidance. Verify course approval and retain completion records; attendance at a useful seminar does not necessarily produce credit. Complete CE early enough to correct reporting errors before renewal.

Renewal and CE are related but separate. Paying the renewal fee does not cure missing education, and finishing education does not renew the license. Current TDI instructions list a $50 renewal fee, with a $25 late fee during the permitted late period. CE deficiencies may produce a $50-per-hour fine up to $500 under the current guidance. Confirm current amounts when acting because administrative fees can change.

Calendar changes that require notice, including address, name, criminal, administrative, appointment, or agency information as applicable. Report accurately within the governing period and preserve proof. If a license expires or is suspended, stop regulated activity; a pending renewal is not assumed authority. On the exam, separate education, renewal, notification, and disciplinary consequences instead of selecting a rule merely because it concerns licensing.