Becoming a Public Adjuster in Florida: A Step-by-Step Guide

Are you interested in becoming a public adjuster in Florida? If so, you'll need to understand the process and the requirements for obtaining a license. In this article, we'll provide an overview of the steps you'll need to take to become a public adjuster in the Sunshine State. In Florida, a public adjuster is defined as any person, except an attorney, who prepares, completes, or submits an insurance claim form for an insured person or a third person in exchange for a price (money, commission, or anything of value). The Florida Department of Financial Services oversees the licensing process and has specific guidelines for obtaining a Florida public adjuster license.

The first step is to complete the required pre-licensing education. You must complete a minimum of 20 hours of pre-licensing education from an approved provider. The course must include topics such as insurance law, ethics, and adjusting practices. Once you've completed the course, you'll need to pass the state exam.

The next step is to submit your application for licensure. You'll need to provide proof of your pre-licensing education and pass a background check. You'll also need to pay the applicable fees. Once your application is approved, you'll be issued your license and can begin working as a public adjuster in Florida. As mentioned above, there are fees that must be paid during the process of obtaining a public adjuster's license.

After years in the position of public adjuster, you'll be well-versed in the appraisal process, documenting claims, managing insurance claims, and negotiating to reach a settlement. A public adjuster can also act on behalf of or help an insured person negotiate the resolution of a claim. In some cases, a public adjuster may be required to act as an “independent appraiser” or “disinterested appraiser” when evaluating an insurance claim. In this role, they must remain impartial and not have any financial interest in the outcome of the claim. In one case, the court found that since the public adjuster had a contract with the policyholder, he could not qualify as a “disinterested appraiser”.Becoming a public adjuster in Florida is not an easy process but it can be rewarding.

With hard work and dedication, you can become an expert in insurance claims and help people get the compensation they deserve.

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