In Your Business - News related to the Business end of Catastrophe claims handling.

2022 NACA Convention
/ Categories: News, Insurance Law

Florida Senate Bill 76 - Property Insurance

"CS/CS/CS/SB 76 — Property Insurance

by Rules Committee; Judiciary Committee; Banking and Insurance Committee; and Senators Boyd and Brandes

This summary is provided for information only and does not represent the opinion of any Senator, Senate Officer, or Senate Office.

Prepared by: Banking and Insurance Committee (BI)

Prohibited Property Insurance Practices by Contractors

The bill prohibits contractors, and persons acting on behalf of contractors, from:

  • Soliciting residential property owners through prohibited advertisements, which are communications to a consumer that encourage, instruct, or induce a consumer to contact a contractor to file an insurance claim for roof damage;
  • Offering the residential property owner consideration to perform a roof inspection or file an insurance claim;
  • Offering or receiving consideration for referrals when property insurance proceeds are payable;
  • Unlicensed public adjusting; and
  • Providing an authorization agreement to the insured without providing a good faith estimate.

The above acts are subject to license discipline by the Department of Business and Professional Regulation and a $10,000 fine per violation. The bill provides that the residential property owner may void the contract with the contractor within 10 days of its execution if the contractor fails to provide notice to the residential property owner of the contractor’s prohibited practices.

The bill prohibits licensed contractors and subcontractors from advertising, soliciting, offering to handle, handling, or performing public adjuster (PA) services without a license. The prohibition does not prohibit the contractor from recommending that the consumer consider contacting his or her insurer to determine if the proposed repair is covered by insurance.

The bill prohibits a PA, PA apprentice, or person acting on behalf of a PA or PA apprentice, from offering financial inducements for allowing a roof inspection of residential property or making an insurance claim for roof damage. The bill also prohibits them from offering or accepting consideration for referring services related to a roof claim. Each violation subjects the PA or PA licensee to up to a $10,000 fine. Unlicensed persons not otherwise exempted from PA licensure commit the unlicensed practice of public adjusting when they do these prohibited acts, and are subject to a $10,000 fine per act and the criminal penalty for unlicensed activity."   read more

The source of the above is Florida Senate Bill Summaries you can use the "read more" link, the link below or the pdf version also below to read the complete summary,

Previous Article Insurance Adjuster Act
Please login or register to post comments.

Theme picker

Latest Classifieds

Adjusting Firms

CS Adjusting Services

CS Adjusting Services

My name is Chris Sostarich and I am an independent adjuster in the middle GA area. I began my career in the insurance industry in 1997 with GEICO, moving into their claims department two years...
Alltex Claims, Inc.

Alltex Claims, Inc.

Alltex Claims, Inc is a privately owned adjustment firm based inTexas, and available to provide catastrophe support services throughout the Gulf Coast Region. Alltex has over 20 years experience...
National Claims Adjusters, Inc

National Claims Adjusters, Inc

National Claims Adjusters, Inc was founded in 2001.  Our Home Office is located in Bradenton, FL.  National Claims Adjusters, Inc. services the continental US on a daily basis.   National Claims...
The Wallis Group, Inc.

The Wallis Group, Inc.

Our services include Auto, Property, Casualty, Workers Compensation, Longshore, and other specialty niche claim handling.  Within these disciplines, our experienced staff can provide full...
Compass Claims Bureau

Compass Claims Bureau

Compass Claims Bureau is a full Multi-Line claims firm that has locations through-out all of Florida. We handle catastrophe's within Florida only as well, and are now set to handle Worker's Comp...
Crawford CAT

Crawford CAT

"Crawford & Company’s Catastrophe Services (CAT) is the industry’s leading independent adjusting resource for insurance claim management in response to natural and man-made disasters." (text from...
Eagle Adjusting Services

Eagle Adjusting Services

Eagle Adjusting Services, Inc. has grown from a small, local company with a handful of employees to a national leader in providing insurance adjusting services in 49 states. With adjusters located...
Simsol Insurance Service Inc.

Simsol Insurance Service Inc.

We are looking for quality adjusters who possess top notch adjusting skills as well as people skills. Our main focus for adjusting is in the area of Flood claims, Hurricane wind claims and...


Debt Recovery Field Inspection & Adjuster Company

The above information is from the Adjusting Firms section of our Directory, please follow this link for a complete list; Adjusting Firms and Employers

Latest News

Upcoming Events

More Events

Search CADO


Employer RatingsEmployer Ratings

Employer Ratings

Adjuster Employer Ratings, information, feedback


IRMI Glossary of Insurance and Risk Management Terms
In Your BusinessIn Your Business

In Your Business

News related to the Business end of Catastrophe claims handling.


Information and Resources on Claim Handling and Catastrophe work for adjusters and those looking to enter the claims handling industry.


Information and Resources related to Adjuster Licensing
Man Made CatastrophesMan Made Catastrophes

Man Made Catastrophes

NFIP SupportNFIP Support

NFIP Support

Information and Resources for insurance adjusters related to the handling of flood claims.
Policy SupportPolicy Support

Policy Support

Software CentralSoftware Central

Software Central

Adjusting Software information, reviews, discussions and links.
Storm PageStorm Page

Storm Page

The Storm Page, this is the CADO version of a weather page. On this page we provide information on current weather events, links to weather sites and weather related discussions. All adjusters are invited to share weather information by posting it in the forum or adding your favorite weather links to the Resource Directory. Also, if you have photos of weather related damage please share them by adding them to the Photo Gallery.

2022 NACA Convention