What legal protections do I have when hiring a public adjuster?
LA CONSULTING
Original Content
When you hire a public adjuster in Florida, you are protected by multiple consumer rights laws designed to prevent fraud, abuse, or unfair practices. Florida Statute 626.854, which governs public adjusters, requires transparency, fair dealing, and strict compliance with licensing and ethical standards. LA Consulting operates fully within this framework, ensuring that your rights as a policyholder are protected at every stage of the claims process.
Your right to fair contracts
All public adjuster contracts in Florida must follow a standardized format approved by the Florida Department of Financial Services (DFS). Contracts must clearly state fees, cancellation rights, and the services to be provided. You also have the legal right to receive a signed copy of your contract for your records. These requirements are meant to ensure clarity and prevent hidden terms or unexpected charges.
Your right to cancel
As outlined in Florida Statute 626.854, you may cancel a public adjuster contract within at least three business days of signing, without penalty. After a declared catastrophe, state emergency orders may extend the cancellation window further. This protection allows you to reconsider your decision if you feel pressured or need more time to evaluate your options.
Your right to transparent fees
Public adjusters in Florida must disclose their fee structure upfront. By law, fees are capped depending on the type of claim. For example, after a state-declared emergency, fees are capped at 10% of the claim payment for the first year. For all other claims, the cap is typically 20%. These legal caps protect you from excessive or unfair charges. LA Consulting always explains fees clearly and in writing before any contract is signed.
Your right to ethical representation
Licensed public adjusters must follow strict ethical rules enforced by the Florida DFS. They cannot engage in deceptive practices, promise guaranteed results, or pressure you into signing. They must act in your best interest, avoid conflicts of interest, and handle your claim with honesty and professionalism. If these rules are violated, the DFS has the authority to investigate and discipline the adjuster.
LA Consulting adheres to these ethical standards in every case we handle.
The bottom line
When hiring a public adjuster in Florida, you are protected by strong consumer rights laws under Florida Statute 626.854. These protections include clear contracts, capped fees, cancellation rights, and ethical standards enforced by the Department of Financial Services. By choosing LA Consulting, you can be confident that your claim will be handled legally, transparently, and in full compliance with Florida law.
