The Florida license requirement
Fla. Stat. 626.854 and 626.8738 require a Florida 3-20 Public Adjuster license to negotiate a claim on a Florida insured's behalf.
How to verify
- myfloridacfo.com/division/agents: official DFS license lookup
- License number should be on the website, business card, and every contract
- Confirm the license is active, not suspended
Red flags
- Out-of-state business address as primary contact
- License number that can't be verified
- High-pressure door-to-door sales after a storm
- Contracts without Florida statutory disclosures