Check the Florida public adjuster and firm before signing

A public adjuster works for the person who holds the insurance policy. The insurance company’s adjuster works for the company. Before signing, check the public adjuster’s license and current appointment. Check the firm as well. The names and license numbers should match the contract and photo ID.

Florida lets you cancel without a fee or duty within 10 days after signing. A longer rule may apply when the contract follows an event covered by a governor’s emergency order. In that case, you have until the later of two dates: 30 days after the loss or 10 days after signing. Send the notice in writing to the address in the contract. Use certified mail or another mail service that proves delivery.

For home policies covered by the law, the fee is usually capped at 10 percent for a covered storm claim made within the year after the emergency order. The cap is 20 percent for other claims. Narrow caps of 1 percent or zero can apply when the insurer paid or agreed to pay early. The fee cannot be based on the deductible.

The adjuster will usually owe you an itemized estimate within 60 days. Since June 26, 2026, the adjuster, apprentice, or firm must answer a written or online request for claim status within 14 days. Keep the license result, contract, claim number, estimates, requests, replies, and any proof of cancellation in one file.