Florida Statute 626.854. Public Adjuster Defined. Licensing, contracts, fee caps.
Florida Statute 626.854. Public Adjuster Defined. Licensing, contracts, fee caps.
Purpose
What this statute does
This statute establishes specific rights, duties, and deadlines affecting Florida property insurance policyholders. Understanding the statute is the difference between asserting your rights effectively and accepting carrier framing.
In practice
How it applies to your claim
If your claim touches any area governed by Florida Statute 626.854, this statute controls. Citing the specific section in correspondence with carriers carries weight. Many carrier practices that feel unfair are addressed directly in Florida statutes.
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See also
Related statutes
Florida Statute 627.70131
Carrier duties and claim deadlines.
Florida Statute 627.70132
Notice of claim deadlines.
Florida Statute 626.854
Public adjuster licensing and conduct.
Florida Statute 627.7142
Homeowner Claim Bill of Rights.
Florida Statute 626.9744
Matching statute.
Florida Statute 627.7152
AOB restrictions.
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- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Cross-reference
Denials citing Florida Statute 626.854
Not a Peril Covered by This Policy
Carrier denials that cite this statute as authority.
Insufficient Proof of Damage Cause
Carrier denials that cite this statute as authority.
Delayed Filing Past Policy Window
Carrier denials that cite this statute as authority.
Repair Costs Below Deductible
Carrier denials that cite this statute as authority.
Cosmetic Metal Roof Damage
Carrier denials that cite this statute as authority.
Inadequate Initial Scope
Carrier denials that cite this statute as authority.
Carrier Denied Partial Claim
Carrier denials that cite this statute as authority.
Voluntary Parting of Property
Carrier denials that cite this statute as authority.
Cross-reference
Problems involving this rule
I can't afford repairs before the carrier reimburses me.
Common Florida policyholder situations governed by this rule.
Collectibles theft undervalued.
Common Florida policyholder situations governed by this rule.
The carrier only pays for smoke damage in the room that burned.
Common Florida policyholder situations governed by this rule.
A roofer is pressuring me to sign an AOB after a storm.
Common Florida policyholder situations governed by this rule.
My ALE is capped too low to cover extended-stay housing.
Common Florida policyholder situations governed by this rule.
The carrier lowballed my fire contents claim.
Common Florida policyholder situations governed by this rule.
My adjuster lowballed the estimate.
Common Florida policyholder situations governed by this rule.
The carrier is pushing for a recorded statement.
Common Florida policyholder situations governed by this rule.
See also
Related Florida statutes
Florida Statute 627.70132. Notice of Claim. Deadlines for initial and supplement
Another Florida statute relevant to property insurance claims.
Florida Statute 624.155. Civil Remedy / Bad Faith Actions Against Insurers
Another Florida statute relevant to property insurance claims.
Florida Statute 627.712. Residential Windstorm Coverage
Another Florida statute relevant to property insurance claims.
Florida Statute Chapter 631
Another Florida statute relevant to property insurance claims.
Florida Statute 626.864
Another Florida statute relevant to property insurance claims.
Florida Statute 624.1551. Bad Faith Action Limitations
Another Florida statute relevant to property insurance claims.
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- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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