Public Adjuster Resources for Florida PAs
Regulatory updates, carrier intelligence, key statutes, and legal support — everything Florida public adjusters need to maximize policyholder recoveries.
- ✔ OIR & DFS regulatory updates for PAs
- ✔ Carrier enforcement actions & market data
- ✔ Key Florida statutes every PA should know
- ✔ Free case reviews for your policyholders
- ✔ No upfront cost to the policyholder — we work on contingency
Free review · Your policyholder decides whether to hire the firm · No upfront cost to them
Need Legal Backup on a Claim?
When a carrier denies, delays, or lowballs after your estimate — it's time for an attorney. Sign the retainer, submit a file for a free review, or schedule a consultation. The policyholder is the client — they decide.
🔒 Secure & confidential uploads · Single files, large files & entire folders · No fee unless we recover
Regulatory Intelligence for Florida PAs
Stay ahead of carrier behavior, regulatory changes, and market trends. These are the official Florida sources every public adjuster should be monitoring.
OIR Regulatory Updates
Rate decisions, commissioner memoranda, and regulatory orders that directly impact how carriers handle property claims in Florida.
View Source →Carrier Actions & Enforcement
Insurer penalties, consent orders, and license actions. Know which carriers are under scrutiny — it strengthens your negotiating position.
View Source →New Market Entrants
New carriers entering the Florida market. PAs need to know who they're filing against — unfamiliar carriers mean unfamiliar claims processes.
View Source →Catastrophe Claims Data
Post-storm claims data by carrier — total claims, payment rates, average payouts, and denial rates. Use this to identify underpayment patterns.
View Source →Market Share & Premium Data
Monthly carrier market share and average premium data. Track which carriers dominate your county and how premium trends affect claim valuations.
View Source →DFS Insurance Insights
PA contract rules, advertising compliance, licensing updates, and the Homeowner Claims Bill of Rights — straight from the Florida DFS.
View Source →Monthly MIR Dashboard
Interactive dashboard with carrier performance, claims activity, litigation outcomes, and ADR trends — built from FL OIR Monthly MIR data.
View Source →Pre-Suit Notice Intelligence
Thousands of pre-suit notices analyzed — carrier dispute patterns, denial rates, financial stakes, and geographic hotspots from FL DFS PIITIL data.
View Source →Why PAs Recommend Louis Law Group
$200M+
recovered for Florida policyholders in property damage claims
60 Days
maximum time a carrier has to pay or deny a claim under F.S. 627.70131
$0
upfront cost — we work on contingency
7 Days
carrier must acknowledge a claim communication under F.S. 627.70131
24/7
available for urgent claim questions and policy reviews
Key Florida Statutes Every PA Should Know
These statutes govern PA conduct, carrier obligations, and policyholder rights. Knowing them gives you leverage at every stage of the claims process. Deadlines reflect the 2022 SB 2-A reforms.
F.S. 626.854 — Public Adjuster Requirements
Governs PA contracts, fee caps (10% for claims tied to a declared state of emergency, 20% otherwise), the 10-day contract cancellation right (extended during emergencies), and prohibited conduct. The statute every PA must know by heart.
F.S. 627.70131 — Insurer Claims-Handling Deadlines
As amended in 2022 (SB 2-A): carriers must acknowledge a claim communication within 7 calendar days and pay or deny the claim within 60 days of notice. Missed deadlines can support a bad-faith claim — refer to an attorney immediately.
F.S. 627.7142 — Homeowner Claims Bill of Rights
Insurers must deliver this document to residential policyholders shortly after a claim is filed. It summarizes the policyholder's rights to timely acknowledgment, claim decisions, written denial explanations, and DFS complaint and mediation options.
F.S. 627.70152 — Pre-Suit Notice of Intent (NOI)
Before suing a property insurer, a claimant must serve the Department of Financial Services with a written Notice of Intent to Initiate Litigation at least 10 business days before filing suit. The insurer then has 10 business days to respond. Attorneys handle this — PAs cannot.
F.S. 624.155 — Insurance Bad Faith / Civil Remedy
The statute that triggers litigation. Bad faith occurs when carriers fail to settle in good faith, unreasonably delay, misrepresent policy terms, or deny without investigation. When you see it, bring in an attorney.
F.S. 627.7015 — Mediation of Disputed Claims
Florida's DFS mediation program (an alternative procedure for resolving disputed residential property claims). PAs should know when mediation is appropriate versus when litigation is the better path.
Have a Claim That Needs Legal Backup?
When a carrier denies, delays, or underpays after your PA work — don't let the policyholder lose. Get them a free attorney review or a pre-suit Notice of Intent. The policyholder decides whether to hire us; you focus on what you do best.
When to Involve an Attorney
PAs and property damage attorneys serve complementary roles. Here are the situations where legal counsel maximizes the policyholder's recovery.
Claim Denied After PA Involvement
If the carrier issues a final denial after your estimate and supplement, litigation is the next step. PAs cannot file lawsuits — an attorney can serve the pre-suit NOI and file suit.
Bad Faith by the Carrier
Unreasonable delays, lowball offers after supplements, refusal to re-inspect, or misrepresenting coverage. F.S. 624.155 claims can result in significant additional recovery.
Coverage Disputes
Concurrent causation issues, wear and tear vs. storm damage arguments, or policy exclusion disputes — these are legal questions that require attorney interpretation.
Examination Under Oath (EUO)
If the carrier demands an EUO from your policyholder, they need legal representation. EUOs are adversarial — missteps can result in claim denial.
Appraisal Disputes
Disputed appraisals requiring umpire selection or legal enforcement benefit from attorney involvement to protect the policyholder's interests.
Sinkhole Claims
Sinkhole claims require geological testing, engineering reports, and specialized legal knowledge. These are best handled by an attorney from day one.
The earlier you involve an attorney, the stronger the case — especially for bad faith and coverage disputes.
How It Works
Free Policy Review
With your policyholder's okay, share the policy and claim documentation. Our attorneys review coverage, identify issues, and advise on the best path forward — at no cost.
The Policyholder Decides
We explain the options directly to the policyholder. If they choose to hire the firm, they sign the representation agreement with us — the PA is never the client and pays nothing.
We Fight — Policyholder Wins
Once retained by the policyholder, we handle the NOI, litigation, bad-faith claims, and coverage disputes. You keep adjusting — and your PA fee. Together, we maximize the recovery.
Attorneys Who Work With Public Adjusters
Licensed FL Attorneys
We are licensed Florida attorneys who can serve the pre-suit NOI, file lawsuits, pursue bad faith claims, and escalate to appellate court — capabilities PAs need but cannot exercise themselves.
Zero Upfront Cost
No upfront cost to the policyholder. We work on contingency — no attorney's fees or costs unless we recover.
PA-Friendly Approach
We don't replace PAs — we complement them. You handle the damage assessment and estimate, and keep your PA fee. You simply make the connection; the policyholder hires us directly. We handle the legal fight. Together, the policyholder wins.
Hurricane Claim Experience
We've handled thousands of post-hurricane property claims across Florida. We understand the unique challenges of catastrophe claims — from carrier delays to AOB disputes.
Statewide Coverage
From Miami to Pensacola, we represent policyholders in every Florida county. No matter where your claim is, we can help.
Fast Response
Deadlines matter in property claims. We respond quickly and can move fast on a pre-suit NOI when carriers act in bad faith.
Public Adjuster FAQs
Can a public adjuster and an attorney work on the same claim?
Yes. Florida law allows policyholders to hire both a PA and an attorney. The PA handles damage assessment and estimating, while the attorney handles legal disputes, the pre-suit NOI, bad faith claims, and litigation. This combination often produces the best outcomes for policyholders.
When should a public adjuster involve an attorney?
If the carrier denies the claim, acts in bad faith, requests an Examination Under Oath, or if there is a coverage dispute, it is time to involve a property damage attorney. PAs cannot practice law, serve a pre-suit Notice of Intent, or file lawsuits on behalf of policyholders.
What is a pre-suit Notice of Intent (NOI), and can a PA file one?
Under F.S. 627.70152, a claimant must serve the Department of Financial Services with a written Notice of Intent to Initiate Litigation at least 10 business days before suing a property insurer. It must state the disputed amount, a settlement demand, and (where applicable) an itemization of fees and costs. A public adjuster cannot prepare or serve an NOI — that is the practice of law. The PA can refer the policyholder; if the policyholder hires Louis Law Group, the firm prepares and serves the NOI on the policyholder's behalf.
Who is the client — the public adjuster or the policyholder?
The policyholder. A public adjuster may refer a policyholder to Louis Law Group, but the policyholder alone decides whether to hire the firm and signs the representation agreement directly with us. Referring a claim creates no attorney-client relationship with the public adjuster, and Louis Law Group does not pay referral fees. The PA keeps their own statutory adjusting fee; that is separate from the legal representation.
How does Louis Law Group work with public adjusters?
When a claim requires legal action, the public adjuster can refer the policyholder to us for a free review or a pre-suit NOI. If the policyholder chooses to hire the firm, we handle the pre-suit NOI, litigation, bad faith claims, and coverage disputes — while you keep adjusting and keep your PA fee. The policyholder, not the PA, is our client.
What are the PA contract requirements under Florida law?
Under F.S. 626.854, PA contracts must include specific disclosures, cannot exceed the fee caps (10% for claims tied to a declared state of emergency, 20% otherwise for residential claims), and must allow a 10-day cancellation period (extended during a declared emergency).
Does it cost anything for a PA to refer a policyholder to Louis Law Group?
No. There is no cost to the PA for referring a policyholder, and no referral fee is paid or owed either way. If the policyholder hires the firm, we work on contingency — they owe no attorney's fees or costs unless we obtain a recovery. Our goal is the same as yours: maximum recovery for the policyholder.
Your Policyholder Deserves a Full Recovery
When the carrier denies, delays, or underpays — don't let it end there. Get the policyholder a free attorney review or a pre-suit NOI. If they hire us, we fight the legal battle so you can keep adjusting. No cost to the PA. The policyholder decides. No fee unless we recover.
Available 24/7 · No Obligation · No Upfront Cost
This page is attorney advertising and general information, not legal advice, and does not create an attorney-client relationship. Public adjusters cannot practice law, provide legal advice, or file suit; Louis Law Group, PLLC provides the legal services described here. A public adjuster may refer a policyholder to the firm, but the policyholder — not the public adjuster — is the client and alone decides whether to hire the firm and signs any representation agreement directly with Louis Law Group. Referring a claim creates no attorney-client relationship with the public adjuster, and the firm neither pays nor accepts referral fees. Past results do not guarantee future outcomes. Contingency representation means no attorney's fees or costs unless we obtain a recovery. Statutory deadlines summarized here reflect Florida law as amended and may change — confirm current requirements for each claim. Louis Law Group, PLLC, Fort Lauderdale, FL.