Bill > S0266

This bill modifies Florida's laws regarding public adjusters, who are professionals hired to help insurance policyholders negotiate insurance claims, by introducing several key provisions. First, the bill expands the circumstances under which insurance policyholders can cancel a public adjuster contract without penalty, specifically allowing vulnerable adults or individuals lacking legal capacity (as defined in section 415.102) to rescind such contracts at any time without obligation. The bill also clarifies the grounds for disciplinary action against public adjusters, including prohibitions on unfair practices such as receiving payments for unperformed services, taking advantage of emotionally vulnerable individuals, and violating certain ethical rules. Additionally, the bill maintains existing provisions that allow policyholders to cancel contracts within 10 days of execution, with an extended 30-day cancellation window for contracts related to emergencies declared by the Governor. The legislation also reinforces requirements that public adjuster contracts include clear cancellation language in large, bold type and specifies that adjusters must provide written estimates to insurers within 60 days of contract execution or risk contract cancellation. The bill will take effect on July 1, 2026, and aims to provide greater protection for insurance policyholders in their interactions with public adjusters.

Health and Social Services

https://www.flsenate.gov/Session/Bill/2026/266