FL Public Adjuster case studies
FL Public Adjuster · Put your knowledge to work in context.
The Florida Public Adjuster credential - commonly referred to as the 3-20 license - is a state-issued license for professionals who represent policyholders rather than insurers when a first-party property or casualty claim is prepared, presented and negotiated. It is aimed at people moving into claims advocacy from insurance agency work, contracting, restoration, estimating or general adjusting, and at existing adjusters who want to work on the policyholder side. The FL Public Adjuster case studies are 5 cases and about 3,406 words.
1Rescission Window vs. 'We Already Started Work'
A homeowner with a 2019 HO-3 signed your public adjuster contract on March 4 for a kitchen fire loss. The contract states a 20% fee, identifies the insured and the policy, and contains the required right-to-rescind notice.
664 words, about 3 min2Wind, Surge, and a Client Who Wants One Number
A Pinellas County home was damaged in a named storm that produced 105 mph gusts and a two-foot storm surge. The HO-3 excludes flood and water damage and contains an anti-concurrent-causation clause; the insured also carries a separate NFIP policy.
706 words, about 4 min3The Hurricane Deductible, the Withheld Depreciation, and the Hotel Bill
A homeowner policy carries 400,000 Coverage A, a 2% hurricane deductible, and a 2,500 all-other-perils deductible. A covered hurricane loss damaged the roof, siding, and interior.
737 words, about 4 min4An Eighteen-Year-Old Roof and a Roofer Bearing Gifts
A 2004 shingle roof on a stucco home is the subject of a wind claim after a dry thunderstorm with a peak gust of 40 mph. Your inspection finds twelve lifted and creased tabs on the south slope, plus granule loss and thermal cracking across all slopes.
697 words, about 3 min5The Unlicensed Field Rep and the Referral Fee Ledger
You are the principal of a licensed public adjuster firm. You hire Marcus for 'field inspections and initial claim reviews.' Marcus is not licensed.
602 words, about 3 min