Updated November 2, 2026. General claim information and public-adjuster commentary. Policy dates, loss facts and later legal developments can change the answer. A Florida attorney should advise on legal rights, deadlines and litigation.
Historical topic: the 2020 legislative session. This article originally discussed proposed changes to public-adjuster contracts. Proposals and advocacy statements from that session are not a reliable statement of today’s cancellation rights, fees or professional duties.
Check the current contract and consumer protections
Use section 626.854 and the applicable DFS rules, together with the agreement and circumstances. Different provisions can have different scopes and effective dates. Ask for the required disclosures and a complete copy of the signed contract.
One newer requirement in section 626.854(24) directs public adjusters, apprentices and firms to provide specific information in response to a written or electronic claim-status request within fourteen days and document that response. An older article or rule summary referring to thirty days should not override that newer statutory requirement.
See our current Florida insurance changes guide. Questions about cancellation or enforceability of a particular agreement should be reviewed with a Florida attorney.
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David Dwyer, designated primary adjuster: Florida license W391016. Experienced Public Adjusters: firm license W807213. Representation is subject to a written agreement; no settlement outcome is guaranteed.