Public adjusters in Florida: rules, fees and licensed firms

Other key rules

• Most of Florida's homeowner protections for public adjuster dealings (solicitation hours, cancellation, fee rules on reopened claims, estimates, referrals) apply to residential and condo unit owner policies.Fla. Stat. § 626.854(19) (2026) ↗
• A public adjuster must answer your written or emailed request for a claim status update with specific information within 14 days.Fla. Stat. § 626.854(24) (2026) ↗
• A public adjuster may not give legal advice or handle bodily injury or death claims.Fla. Stat. § 626.854(3) (2026) ↗
• Your insurer's adjusters and inspectors must give at least 48 hours' notice before scheduling a meeting or on-site inspection, and the insurer may not exclude your public adjuster from in-person meetings with you.Fla. Stat. § 626.854(14), (15)(a) (2026) ↗
• Your public adjuster must not block or delay the insurer's reasonable access to you or the damaged property for inspection.Fla. Stat. § 626.854(15)(b)-(c) (2026) ↗
• To be licensed, a Florida public adjuster must be at least 18, pass the state exam, have 6 months of prior appointment as an adjuster or apprentice (or a nonresident public adjuster license), and keep a $50,000 surety bond in place.Fla. Stat. § 626.865 (2026) ↗
• Florida tightened these rules recently: the 1-year claim notice deadline and 18-month supplemental deadline came from 2022-2023 reforms (ch. 2022-271 and ch. 2023-172, Laws of Fla.), and the public adjuster statutes were amended in 2022, 2023, 2024 and again in 2026 (ch. 2026-174).History notes to Fla. Stat. §§ 626.854, 626.8796, 627.70132 (2026) ↗