Florida’s New Rule Brings Major Changes for Public Adjusters and Insurance Estimators

Florida’s Emergency Rule 69BER24-4, implemented in response to recent hurricanes, significantly reshapes the regulatory landscape for public adjusters and other insurance adjusters. While initially celebrated by some as a win, the rule enforces strict ethical and procedural requirements, ensuring transparency in the property claims process.

Public adjusters are now required to use electronic estimating programs that create line-item breakdowns of estimates, shared with insureds, preventing any secretive modifications to repair costs. The rule also mandates comprehensive record-keeping and prohibits price list adjustments without proper documentation, aiming to curb unethical behavior like inflating repair costs.

As public adjusters adjust to these new regulations, policyholders and insurers may benefit from more accurate estimates and fewer disputes over claims. While the rule affects all adjusters, its impact is particularly strong on public adjusters, forcing a shift toward greater accountability and professionalism.