FL Public Adjuster study guide
FL Public Adjuster · Work through your exam, one topic at a time.
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 study guide has 5 sections and about 1,705 words.
01Florida Insurance Statutes, Rules and Licensing Requirements
Public adjusting in Florida is governed by Chapter 626, Part VI, Florida Statutes (licensing and regulation of insurance adjusters), with implementing detail in Rule Chapter 69B-220, F.A.C. Know these sections: 626.854 (definitions, including what makes a person a public adjuster), 626.865 (public adjuster qualifications), 626.8651 (public adjuster apprentice), 626.8795 (solicitation restrictions), and 626.8796 (contract requirements).
344 words, about 2 min02Insurance Principles and Policy Coverages
Indemnity, insurable interest, utmost good faith, contracts of adhesion, aleatory contracts, subrogation, and the duty to cooperate underpin every coverage question. Read a policy in order: declarations, insuring agreement, exclusions, conditions.
325 words, about 2 min03Claims Investigation, Evaluation and Adjustment Practices
A defensible file moves through: notice of loss and first contact, coverage analysis and reservation of rights, investigation (photographs, measurements, recorded statements, weather data, engineer reports), valuation, proof of loss, payment or written denial, and continuing communication. Document every contact and confirm your authority before discussing coverage positions.
342 words, about 2 min04Estimating, Damage Assessment and Construction Fundamentals
Estimating starts with geometry. Roof area equals footprint area multiplied by a pitch factor (4/12 = 1.054, 6/12 = 1.118, 8/12 = 1.202, 12/12 = 1.414).
355 words, about 2 min05Ethics, Unfair Trade Practices and Public Adjuster Conduct
A public adjuster is a fiduciary for the insured: loyalty, honesty, confidentiality, and full disclosure of fees, contract terms, and claim progress. The adjuster may not represent both the insured and the insurer, may not acquire an interest in the claim beyond the agreed fee, may not sign the insured's name, may not settle without the insured's authorization, and may not give legal advice.
339 words, about 2 min