A Florida public adjuster represents the policyholder, not the insurance company. A public adjuster helps document damage, review the policy, prepare the claim, value the loss, and negotiate with the insurance carrier to pursue a fair settlement under the terms of the policy.

A public adjuster works for you, the policyholder. This is different from a company adjuster or independent adjuster, who typically work for or on behalf of the insurance company.

Many property owners consider hiring a public adjuster when the claim is large, complex, delayed, underpaid, partially denied, or involves disagreement over the scope or value of damage.

Yes. In Florida, a person may not act as or advertise as an insurance adjuster unless properly licensed. Consumers should always verify that the adjuster and firm are properly licensed and active.

Yes. Florida compliance guidance states that public adjuster advertisements must include the full name and license number of the responsible public adjuster as reflected in Department records.

Public adjusters are typically paid on a contingency fee, meaning compensation is based on a percentage of the claim recovery obtained through their efforts, subject to Florida fee limitations.

Yes. Florida law imposes fee caps. For many claims arising from a declared state of emergency, the fee is capped at 10% for one year from the date of loss. Additional limits may apply in certain total-loss or quick-payment situations.

No. A public adjuster may not charge a fee on claim payments or settlements paid by the insurer before the public adjusting contract is executed.

No. The fee may not be charged on the deductible portion of a claim.

Yes. Florida law generally provides a 10-day cancellation period, with expanded cancellation rights for certain losses related to a declared state of emergency.

Yes. Florida consumer guidance states that the public adjuster must provide a written, itemized estimate of damages for submission as proof of loss within 60 days after the contract date, unless prevented by factors beyond the adjuster’s control.

Florida law generally requires an insurer to review and acknowledge receipt of a claim communication within 7 calendar days, unless payment is made within that period or factors beyond the insurer’s control apply.

No. A reputable public adjuster should never guarantee a specific result. The goal is to prepare, document, and negotiate the claim thoroughly and professionally based on the policy and the facts.