Compliance Corner - July 2026
Loss of Appointment due to Continuing Education Non-Compliance or Loss of Surety Bond
Public Adjusting Contracts
Cancellation Requirement
Section 626.854(7), Florida Statutes, states the public adjuster’s contract must contain the following language in minimum 18-point bold type immediately before the space reserved in the contract for the signature of the insured or claimant:
“You, the insured, may cancel this contract for any reason without penalty or obligation to you within 10 days after the date of this contract. If this contract was entered into based on events that are the subject of a declaration of a state of emergency by the Governor, you may cancel this contract for any reason without penalty or obligation to you within 30 days after the date of loss or 10 days after the date on which the contract is executed, whichever is longer. You may also cancel the contract without penalty or obligation to you if I, as your public adjuster, fail to provide you and your insurer a copy of a written estimate within 60 days of the execution of the contract, unless the failure to provide the estimate within 60 days is caused by factors beyond my control, in accordance with s. 627.70131(5)(a)2., Florida Statutes. The 60-day cancellation period for failure to provide a written estimate shall cease on the date I have provided you with the written estimate.”
This is the only requirement that clearly identifies its exact position in the contract. The law says the verbiage must be positioned immediately before the space reserved in the contract for the signature of the insured or claimant. All the other requirements for public adjusting contracts only need to be before the signature location.
Disclosure Form Requirement
Public Adjusters are required to provide a Claim Process Disclosure Form (Form DFS-H1-1982) to the insured(s) before requesting signatures on a public adjusting contract. This form may be modified to include the name of the public adjusting firm and/or its logo, but all other text must remain intact.
We urge all Public Adjusters and firms to review Florida Statutes Chapter 626, Part VI and Rule Chapter 69B-220, F.A.C. to ensure understanding of the laws and rules that regulate your license.
Adjusters - Are You Storm-Ready?
Emergency Adjusters
Emergency adjuster licenses and appointments made last hurricane season are not valid for the 2026 hurricane season. Emergency adjuster licenses are typically valid for 180 days from issue and do not renew. If you plan to adjust claims in Florida during the 2026 hurricane season, you are responsible for making sure you are properly licensed and appointed prior to adjusting claims. Only insurance companies and adjusting firms can apply for Emergency Adjuster licenses.
All-Lines Adjusters
Company and independent adjusters should make sure their appointment is valid and note whether the appointment is near its renewal date.
Public Adjusting Firms and Adjusters
- Is your adjuster license active?
- Is your public adjuster firm license active? Use our Licensee Search portal to verify the status of your license and appointment.
- You can search for the firm's license using our Licensee Search portal.
- Are you self-appointed or appointed by an adjusting firm?
- Have you filed the required $50,000 surety bond at AgentLicensing@MyFloridaCFO.com?
- Are you compliant with your continuing education requirements? You can review your continuing education status through your MyProfile account.
- Has a primary adjuster been designated for your firm?
- Is your contact and other demographic information up to date? You can update it via your online secure MyProfile account.
- Are the apprentices in your firm licensed and appointed?
- Do you have your department-issued license with you?
Verify Before You Sell! Stay Informed - Stay Legal
Don't do it. Do not allow yourself to be recruited by a marketer touting cheaper health insurance or a guaranteed "can't lose" investment for your clients.
Many times, the sales materials will be impressive, and fabricated letters from regulators or others will give the appearance of legitimacy. Some of the warning signs of an unauthorized or bogus health plan will be the use of trade associations, unions, or affinity groups that a consumer must join to be eligible for coverage. Another warning sign is the use of the phrase "Multiple Employer Welfare Arrangement" (MEWA). While MEWAs can be legitimate, they must be licensed by the state, and not many are. The marketers may claim their plan is a federal plan or an Employee Retirement Income Security Act (ERISA) plan and exempt from state regulation, which is a definite red flag.
There is always someone who has a guaranteed, get-rich-quick investment seeking out insurance professionals with an established market of clients to whom they can sell these products. These bogus investments can range from communications equipment companies to real estate and land development opportunities, which almost always turn out to be unregistered securities. These investments have been so well packaged and pitched that some agents also purchased them, as did their family members.
Too often unsuspecting agents have allowed themselves and their clients to become victims by purchasing a less expensive health plan that never paid any claims, or an investment promising high returns that turned out to be a sham. The last time there was a peak in this type of activity, numerous consumers were financially devastated as they were left holding unpaid medical bills or worthless investments. As a result, agents lost their insurance licenses and were also subjected to criminal penalties and civil lawsuits.
As an insurance professional you are responsible for conducting the necessary due diligence to avoid putting your clients at risk. The excuses, "I thought it was legitimate" and "I was fooled and am also a victim," are not acceptable defenses. When verifying an insurance company’s license or determining if an investment is registered, make sure that you have the correct and complete name as some scams will use names similar to licensed companies and registered investments to create confusion. Don't do it; do not allow yourself to become another victim. Verify before you sell!
The Division of Insurance Agent & Agency Services recommends the following procedures agents may use when researching whether an insurance company is properly licensed to transact insurance in Florida. By offering these guidelines, we hope to provide a valuable service to all agents and another useful tool for protecting the public.
Agents will find that, in most cases, the simple procedures outlined below will easily identify those insurance companies presently authorized to conduct insurance business in Florida. An agent may use a print-screen function to capture a printout of the company as listed on the web site and keep in their file to show they found the authorized insurance company.
Make sure you have the complete and correct name of the insurance company. Many insurance company names are very similar. Go to https://companysearch.floir.gov/.
Enter the insurance company's name and click on the "Search" button.
Confirm that the insurance company is listed and authorized to conduct the line of business contemplated. Depending on the line of business, the following Authorization Types confer authority:
- Certificate of Authority
- Letter of Approval
- Letter of Eligibility
- Letter of Registration
- License
- Provisional Certificate of Authority
- Residual Market
Insurance companies shown with an Authorization Status as “Active” and Authorization Type as “Permit” have only begun the authorization process and are NOT authorized to conduct insurance business.
If the insurance company is not listed on the web site or the insurance company is shown with an Authorization Type not listed above, the agent should not place insurance business with that company. Also, just because an insurance company is authorized today does not mean it will necessarily remain authorized in the future. Always check.
This website lists authorized insurers involved in insurance business in Florida. If they are not listed on the website, agents should assume they are not authorized.
IMPORTANT: Agents who, directly or indirectly, aid or represent an unauthorized insurance company can be held accountable for unpaid claims, lose their agent licenses or face other disciplinary sanctions. Please see section 626.901, Florida Statutes, to read the laws. To alert us of possible unauthorized insurance or unregistered securities being sold, please notify us at AskDFS@MyFloridaCFO.com.
The Office of Financial Regulation (OFR) oversees securities regulation. To check licensing/registration status you can call the OFR at (850) 487-9687 or use their online search tool.
View the list of unauthorized entities that have had action taken against them in the state of Florida.
Always go to https://companysearch.myfloridacfo.gov to search for insurance companies authorized to do business in Florida.
