Free Training · For Public Adjusters
How to Run a Claim From Inspection to Settlement
Most new PAs lose claims they should win. Not because they don't care — because nobody taught them the workflow. The letters. The deadlines. The order of operations. We're going to fix that.
This is for you if…
- You just got your 6-20 and don't know what's next
- You're in apprenticeship and feel lost
- You're standing in front of a client and don't know what to say
- You can't tell when to push vs when to settle
- You don't know which letters to send when
By the end you'll…
- Run the entire claim process — initial inspection through litigation
- Read any policy in 5 minutes (DICE method)
- Handle ROR letters, Proof of Loss, recorded statements correctly
- Negotiate with insurers using the right letters at the right time
- Know the law: appraisal, mediation, EUO, CRN, pre-suit notice
The course
5 chapters. Each chapter is a tight cluster of short lessons. Read top to bottom or jump to what you need.
Chapter 1 — How to Become a Public Adjuster in Florida
What a PA is and isn't. License types. The path. § 626.854 conduct rules. UPL boundaries. How PAs work with attorneys. The complete Florida regulatory map.
- 1.1
What a Public Adjuster Is (and Isn't)
Fla. Stat. § 626.854(1) defines it. Three adjuster types. Statutory exemptions. Why the legislature created the role at all.
12 min read
- 1.2
Florida Adjuster License Types
6-20 (entry). 3-20 (the goal). 70-20 (non-resident). 0-70 (emergency). Apprentice. Adjusting firm. CE.
12 min read
- 1.3
The Step-by-Step Path (Resident Track)
From eligibility to active 3-20. 10 steps, ~9-14 months, ~$1-2.5K out-of-pocket. Gotchas at each step.
12 min read
- 1.4
§ 626.854 Deep Dive — PA Conduct Rules
Compensation caps. Solicitation rules. Contract requirements. Prohibited conduct. Penalties. The rules that revoke licenses.
15 min read
- 1.5
PAs and the Unauthorized Practice of Law (UPL)
Where the PA's role ends and the attorney's begins. What you can do, what you cannot, where most PAs cross.
10 min read
- 1.6
How PAs Work With Attorneys on First-Party Property Claims
Post-HB 837 economics. Division of labor. Referral rules. Fee stacking math. When the team approach pays off.
12 min read
- 1.7
Practical Resources
Statutes. Portals. Exam vendors. CE providers. Bonds. Day-one toolkit. Bookmark this page.
8 min read
Chapter 2 — Anatomy of a Claim
Initial inspection. The DICE method (policy review). When NOT to file. The decision points before you sign anything.
- 2.1
The Initial Inspection
The 6 questions during walk-through. The 5 critical decisions before you sign. Pre-prep + post-walk handoff.
12 min read
- 2.2
The DICE Method — Policy Review in 5 Minutes
D-I-C-E framework. The 5-min audit. The 1-page DICE summary template for every client.
12 min read
- 2.3
When NOT to File a Claim
7 don't-file scenarios. Reputational economics. How to walk away cleanly + build referrals.
10 min read
- 2.4
Common Perils Decision Tree
6 perils that drive 95% of claims. Per-peril exclusion + counter strategy + expert needs.
12 min read
Chapter 3 — Filing and Investigation
Signing the claim. ROR letters. Proof of Loss. Recorded statements. Document Request letters. Reinspections.
- 3.1
Signing the Claim
Gather documentation. Determine value. Determine coverage. Hire your own experts.
10 min readComing soon
- 3.2
Reservation of Rights — Reading and Responding
When the carrier sends an ROR, the path forward narrows. Don't ignore it.
8 min readComing soon
- 3.3
Proof of Loss Strategy
Submit it ASAP. The 30-day clock starts when you do. What to include and what to hold.
10 min readComing soon
- 3.4
Recorded Statement Prep
30-minute prep call before. PA present during. The questions to expect.
12 min readComing soon
- 3.5
Document Request Letter Responses
What to send. What to push back on. The line between cooperation and over-disclosure.
10 min readComing soon
- 3.6
Reinspections — Tactics
When to demand one. How to attend. What to push the carrier's experts on.
8 min readComing soon
Chapter 4 — Dispute Resolution
Mediation. Appraisal. Umpire selection. Litigation handoff. Time limits you cannot miss.
- 4.1
DFS Mediation — Free Path
Carrier pays the mediator. Non-binding. Effective for many disputed claims.
8 min readComing soon
- 4.2
The Appraisal Process
Both sides pick. Umpire breaks ties. The award is binding. How to win.
12 min readComing soon
- 4.3
Umpire Selection
Build your own list before you need one. The names that matter in your county.
8 min readComing soon
- 4.4
Litigation Handoff
When to bring in an attorney. CRN. Your file becomes the lawsuit. Make it bulletproof.
10 min readComing soon
- 4.5
Time Limits You Must Know
1-year notice. 18-month supplemental. 7/30/60-day carrier clock. EUO deadlines.
8 min readComing soon
Chapter 5 — Common Loss Types
Water. Wind. Fire. Hail. Smoke. Vandalism. Loss-specific playbooks for the common perils.
- 5.1
Water Loss Playbook
Sudden vs gradual. The 14-day notice. Mitigation receipts. Carrier playbook to expect.
12 min readComing soon
- 5.2
Wind Loss Playbook
Roof deductibles. Hurricane vs named storm. Causation fights.
12 min readComing soon
- 5.3
Fire Loss Playbook
Smoke and soot. ALE. The contents claim is half the recovery.
12 min readComing soon
- 5.4
Hail Loss Playbook
The size that matters. Bruising vs penetration. Fight the per-shingle math.
10 min readComing soon
- 5.5
Smoke Loss Playbook
Often as expensive as the fire itself. HVAC, contents, ozone treatment.
10 min readComing soon
- 5.6
Vandalism Loss Playbook
Police report. Inventory. Sub-limits. Repair vs replace.
10 min readComing soon
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