The bill amends several sections of the Florida Statutes related to public adjuster contracts, specifically enhancing consumer protections. It allows insured individuals or claimants to cancel a public adjuster's contract without penalty within 10 days of execution, or within 30 days if the contract is related to a state of emergency. Additionally, it mandates that the contract must include specific cancellation language in bold type. The bill also introduces provisions that allow vulnerable adults or those lacking capacity to rescind contracts at any time without penalty.

Furthermore, the bill clarifies the disciplinary actions that can be taken against public adjusters and apprentices for various violations, including deceptive practices and soliciting vulnerable individuals. It specifies that the Department may deny, suspend, or revoke licenses and impose fines for such infractions. The amendments also reinforce the requirement for public adjusters to provide written estimates within 60 days, with the option for insured individuals to rescind contracts if this requirement is not met. The act is set to take effect on July 1, 2026.

Statutes affected:
H 427 Filed: 626.854, 626.8698, 626.8796