FL S2264

Limits public adjuster compensation to 20 percent for reopened or supplemental claims and 10 percent for emergency-declared events (reduced to 20 percent after 1 year).

Requires 48-hour advance notice to insureds and public adjusters before insurer inspections; prohibits public adjusters from restricting insurer access to property or insureds.

Establishes specific deceptive advertising practices for public adjusters, including inviting unfounded claims or offering monetary inducements, and requires bold disclaimer in written advertisements.

Bars windstorm and hurricane claims filed more than 3 years after the event occurs and prohibits licensed contractors from adjusting claims unless they are licensed as public adjusters.

Requires public adjuster apprentices to complete 8 hours of continuing education (including 2 hours on ethics) to qualify for licensure and mandates detailed contract requirements including public adjuster information and compensation percentages.