FLORIDA PUBLIC ADJUSTER STUDY EXAMS
QUESTIONS AND ANSWERS SURE A+
✔✔626.854 (8) - ✔✔A public adjuster, a public adjuster apprentice, or any person or
entity acting on behalf of a public adjuster or public adjuster apprentice may not give or
offer to give a monetary loan or advance to a client or prospective client.
✔✔626.854 (9) - ✔✔A public adjuster, public adjuster apprentice, or any individual or
entity acting on behalf of a public adjuster or public adjuster apprentice may not give or
offer to give, directly or indirectly, any article of merchandise having a value in excess of
$25 to any individual for the purpose of advertising or as an inducement to entering into
a contract with a public adjuster.
✔✔626.854 (10)(A) - ✔✔If a public adjuster enters into a contract with an insured or
claimant to reopen a claim or file a supplemental claim that seeks additional payments
for a claim that has been previously paid in part or in full or settled by the insurer, the
public adjuster may not charge, agree to, or accept from any source compensation,
payment, commission, fee, or any other thing of value based on a previous settlement
or previous claim payments by the insurer for the same cause of loss. The charge,
compensation, payment, commission, fee, or any other thing of value must be based
only on the claim payments or settlement obtained through the work of the public
adjuster after entering into the contract with the insured or claimant. Compensation for
the reopened or supplemental claim may not exceed 20 percent of the reopened or
supplemental claim payment. In no event shall the contracts described in this paragraph
exceed the limitations in paragraph (b).
✔✔626.854 (10) (b) - ✔✔A public adjuster may not charge, agree to, or accept from any
source compensation, payment, commission, fee, or any other thing of value in excess
of:
1. Ten percent of the amount of insurance claim payments made by the insurer for
claims based on events that are the subject of a declaration of a state of emergency by
the Governor. This provision applies to claims made during the year after the
declaration of emergency. After that year, the limitations in subparagraph 2. apply.
QUESTIONS AND ANSWERS SURE A+
✔✔626.854 (8) - ✔✔A public adjuster, a public adjuster apprentice, or any person or
entity acting on behalf of a public adjuster or public adjuster apprentice may not give or
offer to give a monetary loan or advance to a client or prospective client.
✔✔626.854 (9) - ✔✔A public adjuster, public adjuster apprentice, or any individual or
entity acting on behalf of a public adjuster or public adjuster apprentice may not give or
offer to give, directly or indirectly, any article of merchandise having a value in excess of
$25 to any individual for the purpose of advertising or as an inducement to entering into
a contract with a public adjuster.
✔✔626.854 (10)(A) - ✔✔If a public adjuster enters into a contract with an insured or
claimant to reopen a claim or file a supplemental claim that seeks additional payments
for a claim that has been previously paid in part or in full or settled by the insurer, the
public adjuster may not charge, agree to, or accept from any source compensation,
payment, commission, fee, or any other thing of value based on a previous settlement
or previous claim payments by the insurer for the same cause of loss. The charge,
compensation, payment, commission, fee, or any other thing of value must be based
only on the claim payments or settlement obtained through the work of the public
adjuster after entering into the contract with the insured or claimant. Compensation for
the reopened or supplemental claim may not exceed 20 percent of the reopened or
supplemental claim payment. In no event shall the contracts described in this paragraph
exceed the limitations in paragraph (b).
✔✔626.854 (10) (b) - ✔✔A public adjuster may not charge, agree to, or accept from any
source compensation, payment, commission, fee, or any other thing of value in excess
of:
1. Ten percent of the amount of insurance claim payments made by the insurer for
claims based on events that are the subject of a declaration of a state of emergency by
the Governor. This provision applies to claims made during the year after the
declaration of emergency. After that year, the limitations in subparagraph 2. apply.
