3 Steps to Become Florida Public Adjuster

URGENT: As of January 1st, 2009 all public adjuster applicants will be required to complete a one-year apprenticeship under the auspices of a licensed public adjuster.

Study for the FL Adjuster Exam

NOTE: To obtain the Florida 3-20 Public Adjuster license you must first pass the state adjuster exam. 

PAL (Public-Adjuster-License) is pleased to offer an Online Exam Prep course that is unmatched in the adjuster training industry. Our course is so targeted and so focused we offer a 100% money-back guarantee* if you don't pass the Florida adjuster exam on your first try!

The user-friendly online program walks you step-by-step through the application process and, through a series of modules and practice quizzes, comprehensively prepares you to pass the state public adjuster exam. We made it fast and easy to master the key concepts for the test.  Save time and money - pass the state exam the first time!  <<REGISTER NOW (This Course No Longer Available For Registration)

Pass the Exam and Apply for the License

 Beginning January 2009, all applicants for the 3-20 Public Adjuster license in Florida will be required to complete a mandatory one year PA apprenticeship.  Until then, all that is required is successful completion of the state adjuster exam.  Get your license now!  Even those only remotely interested in becoming a public adjuster would be wise to get their license before this new law takes effect.  Finding a one year sponsor could prove very difficult and at least will serve as a significant time/cost impediment for new public adjusters.  <<START STUDYING (This Course No Longer Available For Registration)

Get Trained

Xactimate 25, the most commonly utilized property estimating software in the country, is an essential part of a professional PA's formation.  PAL offers a 3 day intensive Xactimate 25 workshop that starts with the basics and builds to the most advanced features of Sketch.  You'll benefit by increasing your professional credibility and gaining confidence in your ability to handle the exciting responsibilities of public adjusting.  <<MORE ABOUT XACTIMATE TRAINING

*Guarantee only valid after completion of the online exam prep course.

Florida Public Adjuster FAQ

What is a Public Adjuster?

Per Section 626.854 of Florida Statutes, a public adjuster is "any person, except an attorney, who, for money or any other thing of value (which would include securing a contract for repairs):

• Prepares, completes or files an insurance claim form for an insured.
• Aids in any manner on behalf of an insured in negotiating for or effecting the settlement of a claim.
• Advertises or solicits for employment as an adjuster of such claims.

If you are acting as a public adjuster in any manner by negotiating or effecting the settlement of an insurance claim on behalf of an insured and you are performing any of these services for money, commission or anything of value without being licensed as a public adjuster, you could be subject to arrest and may be charged with a third-degree felony as provided by Section 626.8738, Florida Statues."

How much do Florida Public Adjusters get paid?

Public Adjusters in Florida are typically paid 10% of the final claim settlement amount. Thus, a large residential loss totaling $100,000 (not uncommon after Hurricanes) will net a Public Adjuster handling the claim $10,000. Public adjusting, particularly in Florida, is considered by many to be the most potentially lucrative form of adjusting in the country. Public Adjusters are not assigned claims like regular insurance adjusters but rather must secure their own contracts for representing policyholders through solicitation, etc.

What is the relationship between Public Adjusters and Contractors?

Florida explicitly lays out the rules by which conflict of interest between Public Adjusting and repair contracting is defined:

A public adjuster may not participate, directly or indirectly, in the reconstruction, repair, or restoration of damaged property that is the subject of a claim adjusted by the licensee; may not engage in any other activities that may be reasonably construed as a conflict of interest, including soliciting or accepting any remuneration from, of any kind or nature, directly or indirectly; and may not have a financial interest in any salvage, repair, or any other business entity that obtains business in connection with any claim that the public adjuster has a contract or an agreement to adjust. (DBPR Newsletter, Fall 2007, pg. 4)