Florida Public Adjuster Regulations
Complete guide to public adjuster licensing, fees, and regulations in Florida. Regulated by the Florida Department of Financial Services (DFS).
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Emergency/catastrophe cap: 10%
20% cap on standard claims. 10% cap on claims arising from events subject to a Governor-declared state of emergency.
Licensing Requirements
Continuing Education
48 hours per 2-year cycle
Contract Requirements
Written contract required with full name, address, phone, email, license number, firm name, and percentage of compensation in 18-point bold type. Signatures of adjuster and all named insureds required. Initials on each page.
Cancellation period: For emergency-declared events: 30 days after date of loss or 10 days after contract execution, whichever is longer.
Solicitation Rules
Cannot solicit during a state of emergency for 48 hours after the event. Solicitation only Monday–Saturday, 8 AM to 8 PM.
Governing Statutes
Florida Statutes Chapter 626, Section 626.854
Frequently Asked Questions
- How much can a public adjuster charge in Florida?
- 20% cap on standard claims. 10% cap on claims arising from events subject to a Governor-declared state of emergency.
- How do I verify a public adjuster's license in Florida?
- You can verify a public adjuster's license through the Florida Department of Financial Services (DFS) at https://licenseesearch.fldfs.com/
- What are the licensing requirements for public adjusters in Florida?
- Public adjusters in Florida must pass a licensing exam, obtain a $50,000 surety bond, and complete 48 hours per 2-year cycle.
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