10/14/2022
Using an Insurance Public Adjustor? Know Your Rights
to such charges in a separate contract.
Prevent your insurance company from inspecting insured property in a timely manner.
Invite an insured to submit a claim in the absence of damages covered under an insurance policy.
Offer to loan you money, or pay you in gift cards or other consideration if you agree to sign his or her contract.
Tell you there is “no risk” to hiring a public adjuster.
Increase his or her rate of compensation simply because a claim is subject to litigation.
Offer money, kickbacks or other valuable consideration in exchange for referrals of business.
Charge you for reopening or resubmitting a claim that your insurer has previously paid, in-part or in-full.
A public adjuster must:
Provide an insured consumer with a written cost estimate of sustained losses within 60 days from the date they enter into a contract with an insured consumer. The written cost estimate must contain an itemized, per unit, estimate for repairs.
Promptly provide a copy of their contract and a notice of the claim to that homeowner’s insurance company.
Public Adjusters who violate any of these provisions, or other portions of Section 626.854, Florida Statutes, are subject to fines of up to $20,000 for each violation.
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