Public Adjuster License Requirements in Florida
LicensedEverything you need to know about public adjuster licensing in Florida — requirements, how to verify a license, applicable fee caps, and what to do if you encounter an unlicensed operator.
Public adjusters are licensed and regulated in Florida
Florida requires public adjusters to obtain a state license before representing policyholders in insurance claims. Always verify a license before signing any contract.
Licensing Requirements
- Licensing Authority
- Florida Department of Financial Services →
- Exam Required
- Yes
- Surety Bond Required
- $50,000
- Continuing Education
- 24 hours every 2 years
- Nonresident Registration
- Required before adjusting claims in Florida
Florida requires a 3-20 Public Adjuster license. Applicants must pass a state exam, file a $50,000 surety bond, and complete 24 hours of continuing education every 2 years (including 4 hours Law & Ethics). Florida has strict statutory restrictions including prohibitions on adjusting and repairing the same property.
Verify a License
Always verify a public adjuster's license before signing any contract. Use the tools below to check license status in Florida.
How to verify — step by step:
- 1 Visit the NAIC SBS lookup tool or your state's DOI licensing portal using the links above.
- 2 Enter the adjuster's name or license number as it appears on their business card or contract.
- 3 Confirm that the license type is listed as "Public Adjuster" — not a different license class.
- 4 Verify the license status is "Active" — not expired, inactive, suspended, or revoked.
- 5 Look for any disciplinary actions, regulatory orders, or enforcement history associated with the license.
Governing Statutes
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Fla. Stat. § 626.854
Definition of public adjuster; unlicensed practice is a third-degree felony
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Fla. Stat. § 626.8738
Public adjuster licensing requirements, examination, and bond
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Fla. Stat. § 626.8795
Public adjuster prohibited from also repairing the same property subject to the claim
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Fla. Stat. § 626.865
Surety bond requirement ($50,000) and qualifications
What To Do If You Suspect an Unlicensed Adjuster
If someone is representing themselves as a public adjuster in Florida without a valid license, contact the Florida Department of Financial Services immediately.
Regulatory Authority
Florida Department of Financial Services →Complaint Hotline
877-693-5236Fraud Hotline
800-378-0445File a Complaint Online
File Complaint →Also report it here: Submit a report on PublicAdjusterHQ so we can help direct you to the right authority and track patterns of unlicensed activity in Florida.