Public Adjuster Resources for Florida PAs
Regulatory updates, carrier intelligence, key statutes, and legal support — everything Florida public adjusters need to maximize policyholder recoveries. Partner with attorneys who fight alongside PAs.
- ✔ OIR & DFS regulatory updates for PAs
- ✔ Carrier enforcement actions & market data
- ✔ Key Florida statutes every PA should know
- ✔ Free policy reviews & attorney consultations
- ✔ No cost to PAs — we work on contingency
Free review · No obligation · No cost to the PA
Need Legal Backup on a Claim?
When a carrier denies, delays, or lowballs after your estimate — it's time for an attorney. We handle the legal fight so you can keep adjusting. Submit any policy for a free attorney review.
Licensed Attorneys · No Win, No Fee
Regulatory Intelligence for Florida PAs
Stay ahead of carrier behavior, regulatory changes, and market trends. These are the official Florida sources every public adjuster should be monitoring.
OIR Regulatory Updates
Rate decisions, commissioner memoranda, and regulatory orders that directly impact how carriers handle property claims in Florida.
View Source →Carrier Actions & Enforcement
Insurer penalties, consent orders, and license actions. Know which carriers are under scrutiny — it strengthens your negotiating position.
View Source →New Market Entrants
New carriers entering the Florida market. PAs need to know who they're filing against — unfamiliar carriers mean unfamiliar claims processes.
View Source →Catastrophe Claims Data
Post-storm claims data by carrier — total claims, payment rates, average payouts, and denial rates. Use this to identify underpayment patterns.
View Source →Market Share & Premium Data
Monthly carrier market share and average premium data. Track which carriers dominate your county and how premium trends affect claim valuations.
View Source →DFS Insurance Insights
PA contract rules, advertising compliance, licensing updates, and the Homeowner Claims Bill of Rights — straight from the Florida DFS.
View Source →Why PAs Partner with Louis Law Group
466+
public adjusters on our partner network across Florida
$200M+
recovered for Florida policyholders in property damage claims
90 Days
max time carriers have to pay or deny under F.S. 627.70131
$0
upfront cost — we work on contingency alongside your PA
14 Days
carrier must acknowledge receipt of claim under Florida law
24/7
available for urgent claim questions and policy reviews
Key Florida Statutes Every PA Should Know
These statutes govern PA conduct, carrier obligations, and policyholder rights. Knowing them gives you leverage at every stage of the claims process.
F.S. 626.854 — Public Adjuster Requirements
Governs PA contracts, fee caps (10% during emergencies, 20% otherwise for residential), 3-day cancellation period, and prohibited conduct. The statute every PA must know by heart.
F.S. 627.70131 — Insurer Claims Handling Deadlines
Carriers must acknowledge claims within 14 days and pay or deny within 90 days. Failure to meet these deadlines can constitute bad faith — refer to an attorney immediately.
F.S. 627.7011 — Homeowner Claims Bill of Rights
Policyholders must receive this document upon filing. It outlines rights to timely acknowledgment, coverage decisions within 90 days, written denial explanations, and DFS complaint filing.
F.S. 624.155 — Insurance Bad Faith
The statute that triggers litigation. Bad faith occurs when carriers fail to settle in good faith, unreasonably delay, misrepresent policy terms, or deny without investigation. When you see it, bring in an attorney.
F.S. 627.70132 — Hurricane Deductible Rules
Separate hurricane deductibles (typically 2-5% of dwelling coverage) only trigger for named storms declared by the National Hurricane Center. Critical for post-storm claim calculations.
F.S. 627.7142 — Mediation of Claims
Policyholders can request mediation through DFS for disputed residential claims. PAs should know when mediation is appropriate vs. when litigation is the better path.
Have a Claim That Needs Legal Backup?
When a carrier denies, delays, or underpays after your PA work — don't let the policyholder lose. Submit the policy for a free attorney review. We handle the legal fight so you can focus on what you do best.
Submit Policy for Review — FreeWhen to Partner with an Attorney
PAs and property damage attorneys serve complementary roles. Here are the situations where bringing in legal counsel maximizes the policyholder's recovery.
Claim Denied After PA Involvement
If the carrier issues a final denial after your estimate and supplement, litigation is the next step. PAs cannot file lawsuits — an attorney can.
Bad Faith by the Carrier
Unreasonable delays, lowball offers after supplements, refusal to re-inspect, or misrepresenting coverage. F.S. 624.155 claims can result in significant additional recovery.
Coverage Disputes
Concurrent causation issues, wear and tear vs. storm damage arguments, or policy exclusion disputes — these are legal questions that require attorney interpretation.
Examination Under Oath (EUO)
If the carrier demands an EUO from your policyholder, they need legal representation. EUOs are adversarial — missteps can result in claim denial.
Appraisal Disputes
Disputed appraisals requiring umpire selection or legal enforcement benefit from attorney involvement to protect the policyholder's interests.
Sinkhole Claims
Sinkhole claims require geological testing, engineering reports, and specialized legal knowledge. These are best handled by an attorney from day one.
The earlier you involve an attorney, the stronger the case — especially for bad faith and coverage disputes.
Call Us About a Claim — (833) 657-4812How It Works
Submit Policy for Review
Send us the policyholder's policy and claim documentation. Our attorneys review coverage, identify issues, and advise on the best path forward — at no cost.
Attorney Review & Strategy
We analyze the policy language, carrier behavior, and claim history. If litigation or a bad faith claim is warranted, we build the case alongside your PA work.
We Fight — Policyholder Wins
We handle litigation, bad faith claims, and coverage disputes. You keep adjusting. Together, we maximize the policyholder's recovery.
Attorneys Who Work With Public Adjusters
Licensed FL Attorneys
We are licensed Florida attorneys who can file lawsuits, pursue bad faith claims, and escalate to appellate court — capabilities PAs need but cannot exercise themselves.
Zero Cost to the PA
There is no referral fee, no cost to the PA, and no upfront cost to the policyholder. We work on contingency — we only get paid if we recover.
PA-Friendly Partnership
We don't replace PAs — we complement them. You handle the damage assessment and estimate. We handle the legal fight. Together, the policyholder wins.
Hurricane Claim Experience
We've handled thousands of post-hurricane property claims across Florida. We understand the unique challenges of catastrophe claims — from carrier delays to AOB disputes.
Statewide Coverage
From Miami to Pensacola, we represent policyholders in every Florida county. No matter where your claim is, we can help.
Fast Response
Deadlines matter in property claims. We respond to PA referrals within 24 hours and can file emergency motions when carriers act in bad faith.
What PAs Say About Working with Us
Real results from PA-attorney partnerships across Florida.
“I had a client whose roof claim was denied by Citizens after my estimate. Louis Law Group took over the legal side, filed a bad faith claim, and we recovered $47K. I keep adjusting, they handle the legal fight.”
“The carrier underpaid my client's water damage claim by $30K. After I referred to Louis Law Group, they negotiated the full amount plus bad faith penalties. Best referral partnership I have.”
“Post-hurricane claim that the carrier kept delaying. Louis Law Group filed suit and we settled for $82K — three times the carrier's original offer. They understand how to work with PAs.”
“Carrier denied mold remediation claiming it was a maintenance issue. Louis Law Group proved it was storm-related water intrusion. My client got full remediation covered.”
“My client was hit with an EUO demand. I immediately referred to Louis Law Group. They prepped my client, attended the EUO, and the carrier paid the claim in full two weeks later.”
“The carrier accepted my estimate but only paid 60%. Louis Law Group negotiated the remaining balance plus interest. Having an attorney on standby makes all the difference.”
* Results may vary by case.
Partner with Us — Submit a Policy for Review →Public Adjuster FAQs
Can a public adjuster and an attorney work on the same claim?
Yes. Florida law allows policyholders to hire both a PA and an attorney. The PA handles damage assessment and estimating, while the attorney handles legal disputes, bad faith claims, and litigation. This combination often produces the best outcomes for policyholders.
When should a public adjuster refer a claim to an attorney?
If the carrier denies the claim, acts in bad faith, requests an Examination Under Oath, or if there is a coverage dispute, it is time to involve a property damage attorney. PAs cannot practice law or file lawsuits on behalf of policyholders.
How does Louis Law Group work with public adjusters?
We partner with PAs across Florida. When a claim requires legal action, we step in to handle litigation, bad faith claims, and coverage disputes. PAs can submit policies for review or ask our attorneys questions directly through this page.
What are the PA contract requirements under Florida law?
Under F.S. 626.854, PA contracts must include specific disclosures, cannot exceed fee caps (10% during declared emergencies, 20% otherwise for residential claims), and must allow a 3-business-day cancellation period.
How can I stay updated on Florida insurance regulatory changes?
Monitor the Florida OIR website (floir.gov) for rate decisions and carrier actions, the DFS Insurance Insights newsletter for PA-specific updates, and Insurance Journal's Southeast section for market trends. All resources are linked on this page.
Does it cost anything for a PA to partner with Louis Law Group?
No. We work on contingency — the policyholder pays nothing unless we recover. There is no cost to the PA for referring a case or submitting a policy for review. Our goal is the same as yours: maximum recovery for the policyholder.
Your Policyholder Deserves a Full Recovery
When the carrier denies, delays, or underpays — don't let it end there. Submit the policy for a free attorney review. We fight the legal battle so you can keep adjusting. No cost to the PA. No fee unless we win.
Submit a Policy for Review — Free →Available 24/7 · No Obligation · No Upfront Cost