Can a Public Adjuster be a Contractor in Florida?

Are you a Florida contractor who is looking for a way to help customers get a fair deal from their insurance provider? If so, you may be wondering if it is possible to be both a licensed public adjuster and a licensed general contractor. The answer is yes, but there are certain laws that must be followed. Under Section 626.8738 of the Florida Statutes, it is a third-degree felony to engage in the unauthorized practice of adjusting insurance claims. This section also prohibits public adjusters from offering or accepting consideration for recommending services related to a roof claim.

In addition, Section 626.854 (1) of the amended Florida Statutes prohibits licensed contractors and subcontractors from advertising, soliciting, offering, operating, or providing the services of public adjusters without a license. The National Association of Public Insurance Adjusters (NAPIA) has a long-standing ethical ban on its members acting as contractors. As a result, most public adjusters in Illinois are contractors or have preferred construction companies that offer repeat business. Public adjusters will not act as contractors in the mitigation, repair, restoration, or act as saviors of damaged property (in connection with first-party property insurance losses).When Noble Public Adjusting Group represents a policyholder, there is an astronomical difference in the agreement. This makes it easier for honest contractors to help victims of hurricanes, disasters and other catastrophes by offering them assistance with their insurance claim without resorting to the practice of public adjustment. In conclusion, it is possible for someone to be both a licensed public adjuster and a licensed general contractor in Florida.

However, it is important to understand the laws that govern this practice and to adhere to them in order to avoid any legal issues.

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