▶ A Public Adjuster cannot accept a settlement of a claim unless it
is authorized and approved by you.
▶ Any expenses that the Public Adjuster requests to be reimbursed
for (out of the claims payment) must be specified in the contract
and signed by all parties. An example of an expense that the
Public Adjuster may incur and request reimbursement for could
include a contract with an engineering firm to provide a more
detailed report of the damage for submission to the insurance
company.
▶ A Public Adjuster cannot make misleading statements when
advertising.
▶ A Public Adjuster cannot ask or encourage you to submit a false
or fraudulent claim.
▶ A Public Adjuster must avoid conflicts of interest and cannot enter
into a contract to do both public adjusting and participate in the
repair, restoration or construction of damaged property of the
same claim.
▶ A Public Adjuster is only allowed to contact you Monday through
Saturday between the hours of 8:00 a.m. and 8:00 p.m.
▶ A Public Adjuster cannot begin soliciting business from you before
8:00 a.m. or after 9:00 p.m., unless requested by you.
▶ A Public Adjuster is not allowed to give or offer anything valued
at more than $25 to anyone for promotional purposes or to
encourage them to enter into a contract.
▶ A Public Adjuster is not allowed to give or offer anything of value
in exchange for allowing an inspection of a residential property
owner’s roof.
▶ A Public Adjuster is not allowed to give or offer anything of value in
exchange for filing an insurance claim for damage to a residential
property owner’s roof.
▶ A Public Adjuster is not allowed to give or offer a loan or advance
to you as a client or potential client.
▶ A Public Adjuster is not allowed to obtain salvaged property
without your written consent and permission through a signed
affidavit.
HOW PUBLIC ADJUSTERS HANDLE CLAIMS** PUBLIC ADJUSTER FEES**
20%
10%
OF THE CLAIM
PAYMENT
OF THE CLAIM
PAYMENT
Applies to new, reopened,
and supplemental claims
that are not declared by
the Governor as a state of
emergency.
Applies to hurricane losses
and similar losses for up to
one year for events that the
Governor has declared are
a state of emergency. After
one year, the public adjuster
can then charge 20% of the
claim payment.
The Public Adjuster’s fee will
be deducted from your claim
payment. However, if you received
any claim payments from your
insurance company prior to
signing the contract with a Public
Adjuster, the Public Adjuster
cannot charge you a fee based on
the previous claim payments you
received.
A Public Adjuster that reaches
out to you to provide services for
a claim and does not enter into a
contract with you, may not charge
you for any services related to the
claim.
A Public Adjuster is only allowed
to charge the following fees based
upon the amount of the claim
payment they were able to obtain
from your insurance company.