Florida Administrative Code, Chapter 69B-220 (Department of Financial Services, Adjusters)

What this document is

Florida Administrative Code, Chapter 69B-220 (Department of Financial Services, Adjusters): 69B-220.001 Licensure of Emergency Adjusters, 69B-220.051 Conduct of Public Adjusters and Public Adjuster Apprentices, 69B-220.201 Ethical Requirements for All Adjusters and Public Adjuster Apprentices (3 rules) is a regulation published by Florida Department of State, Division of Library and Information Services (flrules.org) -- official Florida Administrative Code. It is one of the Florida documents that insurance license exam questions are written from, including florida claims adjuster practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• Fla. Admin. Code R. 69B-220.201(2)(b) (Ethical Requirements for All Adjusters and Public Adjuster Apprentices; Violation)

  “(b) A breach of any provision of this rule constitutes an unfair claims settlement practice.”

• Fla. Admin. Code R. 69B-220.201(1)(a) (Ethical Requirements for All Adjusters and Public Adjuster Apprentices; Definitions)

  “(a) “Adjuster,” when used without further specification, includes all types and classes of insurance adjusters, (company employee, independent, and public), subject to Chapter 626, F.S., regardless of whether permanent, temporary, apprentice, or emergency licensees.”

• Fla. Admin. Code R. 69B-220.201(3)(a) (Ethical Requirements for All Adjusters and Public Adjuster Apprentices; Code of Ethics)

  “(a) An adjuster shall not directly or indirectly refer or steer any claimant needing repairs or other services in connection with a loss to any person with whom the adjuster has an undisclosed financial interest, or who will or is reasonably anticipated to provide the adjuster any direct or...”

• Fla. Admin. Code R. 69B-220.201(3)(b) (Ethical Requirements for All Adjusters and Public Adjuster Apprentices; Code of Ethics)

  “(b) An adjuster shall treat all claimants equally. 1. An adjuster shall not provide favored treatment to any claimant. 2. An adjuster shall adjust all claims strictly in accordance with the insurance contract.”

• Fla. Admin. Code R. 69B-220.201(3)(d) (Ethical Requirements for All Adjusters and Public Adjuster Apprentices; Code of Ethics)

  “(d) An adjuster shall make truthful and unbiased reports of the facts after making a complete investigation.”

• Fla. Admin. Code R. 69B-220.201(3)(e) (Ethical Requirements for All Adjusters and Public Adjuster Apprentices; Code of Ethics)

  “(e) An adjuster shall handle every adjustment and settlement with honesty and integrity, and allow a fair adjustment or settlement to all parties without any compensation or remuneration to himself or herself except that to which he or she is legally entitled.”

• Fla. Admin. Code R. 69B-220.201(3)(g) (Ethical Requirements for All Adjusters and Public Adjuster Apprentices; Code of Ethics)

  “(g) An adjuster shall not negotiate or effect settlement directly or indirectly with any third-party claimant represented by an attorney, if the adjuster has knowledge of such representation, except with the consent of the attorney.”

• Fla. Admin. Code R. 69B-220.201(3)(h) (Ethical Requirements for All Adjusters and Public Adjuster Apprentices; Code of Ethics)

  “(h) An adjuster shall not advise a claimant to refrain from seeking legal advice, nor advise against the retention of counsel or the employment of a public adjuster to protect the claimant’s interest.”

• Fla. Admin. Code R. 69B-220.201(3)(i) (Ethical Requirements for All Adjusters and Public Adjuster Apprentices; Code of Ethics)

  “(i) An adjuster shall not attempt to negotiate with or obtain any statement from a claimant or witness at a time that the claimant or witness is, or would reasonably be expected to be, in shock or serious mental or emotional distress as a result of physical, mental, or emotional trauma associated...”

• Fla. Admin. Code R. 69B-220.201(3)(k) (Ethical Requirements for All Adjusters and Public Adjuster Apprentices; Code of Ethics)

  “(k) An adjuster shall not undertake the adjustment of any claim concerning which the adjuster is not currently competent and knowledgeable as to the terms and conditions of the insurance coverage, or which otherwise exceeds the adjuster’s current expertise.”

• Fla. Admin. Code R. 69B-220.201(3)(l) (Ethical Requirements for All Adjusters and Public Adjuster Apprentices; Code of Ethics)

  “(l) No person shall, as a company employee adjuster or independent adjuster, represent him- or herself or any insurer or independent adjusting firm against any person or entity that the adjuster previously represented as a public adjuster.”

• Fla. Admin. Code R. 69B-220.201(3)(m)2. (Ethical Requirements for All Adjusters and Public Adjuster Apprentices; Code of Ethics; Estimates)

  “2. Modification to, or variation from, the market prices applied by the electronic estimating program, or to any other program input or output, is strictly prohibited unless the adjuster can demonstrate with additional documentation that modification is required to produce an accurate detailed...”

Practice this material

Questions about this source

More Florida sources

• Florida Administrative Code, Division 69O: chs. 69O-123 (Civil Remedy), 69O-124 (Anti-Coercion), 69O-125 (Unfair Discrimination), 69O-142 (Insurer Conduct), 69O-153 (Deceptive Insurance Practices), 69O-189 (Workers' Compensation), 69O-196 (Premium Finance Companies), 69O-215 (Agents), 69O-220 (Adjusters), 69O-228 (Continuing Education), 69O-230 (General Ethics and Disclosure Requirements) and 69O-231 (Penalty Guidelines for Insurance Representatives) (98 rules, 69O-123.001-69O-231.160)Regulation
• Florida Administrative Code, Division 69O (Office of Insurance Regulation): chs. 69O-166 (Property and Casualty Insurer Practices), 69O-167 (Property and Casualty Insurance Contracts), 69O-170 (Property and Casualty Insurance Rating), 69O-175 (Motor Vehicle Insurance) and 69O-176 (Motor Vehicle Insurance Requirements), 87 of the 89 rules the publisher lists (the two omitted are 69O-170.021 and 69O-170.022, transferred stubs whose .doc file holds a title and nothing else) (87 rules, 69O-166.021-69O-176.022)Regulation
• Florida Statutes s. 626.112 - License and appointment requiredState statute
• Florida Statutes s. 626.2815 - Continuing education requirementsState statute
• Florida Statutes s. 626.611 - Grounds for compulsory refusal, suspension, or revocation of licenseState statute
• Florida Statutes s. 626.621 - Grounds for discretionary refusal, suspension, or revocation of licenseState statute
• Florida Statutes s. 626.641 - Duration of suspension or revocation of licenseState statute
• Florida Statutes s. 626.7451 - Managing general agents; required contract provisionsState statute