FL H1181

Limits public adjuster compensation for reopened or supplemental claims to 30 percent of the reopened/supplemental claim payment, subject to overall caps of 10 percent for emergency-declared events and 20 percent for other claims.

Prohibits specific deceptive advertising statements by public adjusters, including inviting claims for uncovered damage, previously paid claims, offering monetary inducements, or claiming "no risk" to policyholders; requires written disclaimer in advertisements.

Requires 48-hour advance notice to insureds before insurer representatives schedule meetings or property inspections; allows waiver of notice by insured or claimant.

Mandates public adjusters make reasonable efforts to ensure prompt claim notice to insurers, provide access for insurer inspections, and prohibits obstructing insurer communication with insureds.

Prohibits licensed contractors from adjusting claims without public adjuster licensure, with exception for contractors discussing repair bids at usual and customary fees.

Creates 3-year filing deadline for windstorm or hurricane claims measured from when hurricane makes landfall or windstorm causes damage.