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Ocean Point Claims Company
Ocean Point Claims:can a roofer act as my public adjuster
FAQ

Can a roofer act as my public adjuster in Florida?

No. Under Fla. Stat. 626.854 and 626.8738, only a licensed Florida public adjuster can negotiate an insurance claim on your behalf. A roofer who does so is committing unlicensed public adjusting: a violation that voids contracts and can trigger DFS enforcement.

What a roofer CAN do

  • Inspect your roof and provide an estimate
  • Perform repairs under contract with you
  • Submit an invoice for work performed
  • Answer technical questions from the adjuster (as contractor, not as negotiator)

What a roofer CANNOT do

  • Negotiate claim value
  • Attend a claim inspection as the insured's representative
  • Execute settlement documents
  • Communicate with the carrier on behalf of the insured on coverage or scope

Ocean Point Claims:how long does the insurance company have to pay

If you signed something broader

A contract with a non-PA that purports to give negotiating authority is generally void in Florida.

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