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HB 427

Public Adjuster Contracts

2026 Regular Session Introduced by Lauren Melo

HB 427 modifies Florida public adjuster contract regulations to affect claim negotiation practices, fee structures, or consumer protections for property owners disputing insurance claims.

Favorable by Insurance & Banking Subcommittee
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Bill Summary · HB 427

Legislative bill overview

HB 427 modifies Florida's regulations governing public adjuster contracts, which are agreements between property owners and professionals who help negotiate insurance claims. The bill, sponsored by Rep. Lauren Melo, has advanced through the Insurance & Banking Subcommittee with a favorable recommendation. The specific contractual provisions being changed are not detailed in the action history provided.

Why is this important

Public adjusters represent thousands of Florida property owners in insurance disputes, particularly following hurricanes and major disasters when claims volume surges. Changes to contract regulations directly affect how disputes are resolved, what fees adjusters can charge, and ultimately how quickly homeowners and businesses recover after property damage.

Potential points of contention

  • Consumer protection vs. industry flexibility: Stricter contract terms may protect consumers from predatory practices but could reduce competition or limit adjuster availability in less profitable markets
  • Fee regulation debate: Any caps or requirements on adjuster compensation rates could affect service quality and accessibility, or conversely, prevent excessive charges on vulnerable claimants
  • Disaster response capacity: Post-hurricane demand for adjusters is critical; regulations must balance consumer protections without creating bottlenecks during emergencies when claims processing speed matters

Compiled from official sources — confirm details with the bill’s official record.

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