Florida Insurers Are Omitting Public Adjusters from Claim Checks – What You Need to Know
Homeowners across Florida are increasingly reporting that insurance companies are issuing checks for property damage claims without naming the public adjusters (PAs) who legally represent them. This growing trend has serious financial and legal implications — both for insured property owners and licensed public adjusting firms.
📉 What’s Happening?
Over the past year, insurers have been increasingly omitting public adjusters from claim settlement checks, despite contractual rights granted to the PA by the insured through Letters of Representation (LORs) or Assignment of Benefits (AOBs).
Some insurance carriers are either:
- Claiming that naming a PA violates policy terms
- Delaying issuance of payments until disputes are resolved
- Issuing checks solely to the insured — leaving the PA to collect payment separately
⚖️ Legal & Regulatory Background
Under Florida Statute §626.854, public adjusters are licensed professionals with the right to represent policyholders and be compensated under valid contracts. Refusing to name a PA on claim checks may violate:
- Florida’s Unfair Claims Settlement Practices Act
- Terms of the public adjuster’s written agreement with the insured
- Ethical obligations under DFS regulatory guidance
🔎 What Policyholders Should Know
- You have a legal right to choose representation, including a licensed public adjuster
- Leaving a PA off the check may delay your claim or create disputes
- Always insist the insurance company honors your Letter of Representation
If you’re unsure whether your adjuster is being properly included or if your claim is being mishandled, contact us immediately.
✅ How Experienced Public Adjusters Can Help
With over $50 million in insurance settlements recovered for Florida policyholders, our team ensures your rights are protected from start to finish. We work with your carrier to resolve these payment issues and enforce proper claims handling.
📞 Schedule a Free Claim Evaluation Today
Call 1-888-811-2311 or contact us online to schedule your free claim review and onsite inspection.
Experienced Public Adjusters LLC – Fighting for Policyholders Across Florida