Florida Statute 626.8698. Disciplinary guidelines for public adjusters and public adjuster apprentices.
Florida Statute 626.8698. Disciplinary guidelines for public adjusters and public adjuster apprentices.
Florida Statute 626.8698. Disciplinary guidelines for public adjusters and public adjuster apprentices.
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.
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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
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In practice
How it applies to your claim
Whether Florida Statute 626.8698 reaches your claim depends on your policy language and the facts of your loss. If it fits, cite the section by number when you correspond with your carrier.
Free claim review
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓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 next.
See also
Related statutes
Carrier duties and claim deadlines.
Notice of claim deadlines.
Public adjuster licensing and conduct.
Homeowner Claim Bill of Rights.
Matching statute.
AOB restrictions.
No obligation. No fee unless recovery.
No fee unless we recover more.
Quoted from the Florida Statutes
The text of Florida Statute 626.8698
The department may deny, suspend, or revoke the license of a public adjuster or public adjuster apprentice, and administer a fine not to exceed $5,000 per act, for any of the following:
(1) Violating any provision of this chapter or a rule or order of the department;
(2) Receiving payment or anything of value as a result of an unfair or deceptive practice;
(3) Receiving or accepting any fee, kickback, or other thing of value pursuant to any agreement or understanding, oral or otherwise; entering into a split-fee arrangement with another person who is not a public adjuster; or being otherwise paid or accepting payment for services that have not been performed;
(4) Violating s. 316.066 or s. 817.234;
(5) Soliciting or otherwise taking advantage of a person who is vulnerable, emotional, or otherwise upset as the result of a trauma, accident, or other similar occurrence; or
(6) Violating any ethical rule of the department.
Reproduced from the Florida Legislature's published text, retrieved August 7, 2026. Read it at flsenate.gov
Statutes are amended. Confirm the current text at the source before relying on it.
Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓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 next.
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