Public Adjusters in Florida

What do Florida laws have to say about Public Adjusters?

We all know that the United States of America is a country that works with a federal government. That means that each state has its own laws and regulations that govern over their own affairs. One of the things that are always different with each state is what certain figures can and can’t do. One of these figures are Public Adjusters.

Each state has a particular set of laws that determine and regulate the activities for Public Adjusters. From how someone can become one to how much they can charge for their services. Let’s find out some of the things the state of Florida and its laws have to say about public adjusters.

·         The PA and the client can only contact each other for anything related to the claim on business hours. Monday through Saturday from 8 a.m. to 8 p.m.

·         The PA must provide their customer a detailed budget of all the losses in order to file the claim. They must also provide certified copies of said budget to the insurance company if requested. This budget must stay archived in the PA’s office for at least 5 years from the filing date.

·         The insurance company must notify the policyholder and the Public Adjuster of any intended inspection of the property with at least 48 hours in advance.

·         The Public Adjuster must notify the insurance company that they have taken a case as soon as they do so.

·         The insurance company may never exclude the Public Adjuster from any meetings with the policyholder.

·         A Public Adjuster will not receive any interest generated by a property they have worked with unless the owner and policyholder explicitly wish to do so and the proper paperwork is done.

·         A Public Adjuster may not receive any compensations that exceed the amount established in the original contract.

·         The policyholder or claimer may cancel their contract with a Public Adjuster without any repercussion or fees as long as they do it within the first three business day of signing. This must be done by a written letter which must be sent by certified mail.

·         Public Adjusters must notify their clients that they can cancel the contract given the previous requirements.

·         The contract must be written and must include an anti-fraud clause.

·         The contract must include the following information:

•   The full name of the Public Adjuster.
•  The name of the Public Adjuster firm (If applicable.)
•  Commercial address.
•  Public Adjuster’s license number.

These are some of the laws, presented in a simplified way, that all Public Adjusters in the state of Florida must abide by.

In a state annually hit by hurricanes and tropical storms such as Florida, every person that owns an insured property should always have a Public Adjuster as one of their contacts in case they ever need one. We know you trust your insurance company but remember that as with any company in the world, they will try to pay as little as possible in any given situation. In these cases, you can always count on people like Alfredo Arnesen, Public Adjuster to help you out. With plenty of years of experience under his arm in this field, he’s the one you want to turn to in cases like these.

Floridian Public Adjusters are no strangers to hurricanes.

ALFREDO JOSÉ ARNESEN

3861 Sw 147 Ave Unit 104

Miami, Fl 33185

Tel: (305) 223-2793

Email: arnesen@bellsouth.net

FL Public Adjuster License # P103216