VERIFY ADJUSTER LICENSE
Use the Florida Department of Financial Services license search to verify that an adjuster you are considering is licensed to work in the state. You may search by the name of the individual or the business and select “adjuster” for the license category.
VERIFY CONTRACTOR LICENSE
Use the Florida Department of Business & Professional Regulation search to confirm that the contractors you are considering to conduct repair work on your property are professionals who are licensed by the state.
FIND A FAPIA MEMBER
PUBLIC ADJUSTER
Public adjusters who are FAPIA members are licensed by the state, adhere to a strict code of ethics and are able to take advantage of the best quality continuing education in the country. Additionally, FAPIA members have a network of resources to best assist you in handling your insurance claim.
STORM RESOURCES
Flood Insurance Tips
The National Flood Insurance Program (NFIP) is managed by FEMA and is delivered to the public by a network of more than 50 insurance companies and the NFIP Direct.
Floods can happen anywhere — just one inch of floodwater can cause up to $25,000 in damage. Most homeowners insurance does not cover flood damage. Flood insurance is a separate policy that can cover buildings, the contents in a building, or both.
There is often a dispute about whether the damage caused to any given property was caused by wind or flood since wind damage would be covered by the homeowner policy and flood through NFIP.
Your flood policy has several very strict requirements that a qualified and experienced licensed public insurance adjuster or attorney can help you navigate. Failure to meet any of the conditions set forth in the flood policy can cause your claim to be denied.
This is a federal program.
Floods can happen anywhere — just one inch of floodwater can cause up to $25,000 in damage. Most homeowners insurance does not cover flood damage. Flood insurance is a separate policy that can cover buildings, the contents in a building, or both.
There is often a dispute about whether the damage caused to any given property was caused by wind or flood since wind damage would be covered by the homeowner policy and flood through NFIP.
Your flood policy has several very strict requirements that a qualified and experienced licensed public insurance adjuster or attorney can help you navigate. Failure to meet any of the conditions set forth in the flood policy can cause your claim to be denied.
This is a federal program.
Florida State Resources
Florida Consumer Protections
- Insurer's Must Acknowledge Claims -
- 90 days to Pay or Deny -
- (7)(a) Within 90 days after an insurer receives notice of an initial, reopened, or supplemental property insurance claim from a policyholder, the insurer shall pay or deny such claim or a portion of the claim unless the failure to pay is caused by factors beyond the control of the insurer which reasonably prevent such payment.
- Insurer to inspect within 45 days after receipt of Proof of Loss
- Insurer communications must contain the name and license number of the adjuster communicating about the claim.
- (c) Any subsequent communication with the policyholder regarding the claim must also include the name and license number of the adjuster communicating about the claim. Communication of the adjuster’s name and license number may be included with other information provided to the policyholder.