Bill > H0427

This bill modifies Florida's laws regarding public adjusters, who are professionals who help insurance policyholders negotiate insurance claims. The bill expands consumer protections by allowing insureds to cancel public adjuster contracts more easily, particularly in emergency situations. Specifically, insureds can cancel a contract without penalty within 10 days of signing, or within 30 days after a loss if the contract was related to a state of emergency declared by the Governor. The bill also provides additional protections for vulnerable adults or individuals who lack legal capacity to consent, allowing them or their legal representatives to rescind a public adjuster contract at any time without penalty. Additionally, the bill clarifies disciplinary guidelines for public adjusters, expanding the list of potentially disciplinary actions to include soliciting or taking advantage of vulnerable adults or emotionally distressed individuals, and receiving payments for unperformed services. These changes aim to protect consumers from potential exploitation and ensure more transparent and fair practices in the public adjuster industry. The bill is set to take effect on July 1, 2026.

Business and Industry, Justice

https://www.flsenate.gov/Session/Bill/2026/427