Make the client-facing record auditable
Trust is easier to preserve when the file shows exactly what the policyholder received, signed, authorized, and was told. The Florida PA Trust and Compliance Checklist is a preflight for those client-facing records.
It is intentionally broader than a contract checklist. A compliant form does not by itself create a clear engagement if required disclosures, copies, role explanations, communication promises, and payment records are scattered.
What is included
- Firm and adjuster license-information check
- Current contract-form and required-language check
- Claim Process Disclosure Form delivery record
- Signature, date, and unaltered-copy confirmation
- Cancellation-language and delivery checkpoint
- Compensation and additional-living-expense agreement check
- PA, contractor, insurer-adjuster, and attorney role explanation
- Policyholder communication preference and update cadence
- Payment, fee, and disbursement transparency review prompts
- Licensed-review signoff, official-source review list, and update record
These are review prompts, not a completeness statement. Contract and disclosure prompts trace to § 626.8796(1)-(6); compensation and cancellation prompts trace in part to § 626.854(7) and (11); conflict prompts trace to § 626.8795; and the communication-record prompt includes the claim-status request and response duty enacted in Chapter 2026-174, § 29. The official sources and current DFS form control.
Use current official forms
Do not treat a saved template as permanently current. Check the Florida Legislature, Florida Administrative Code, and Florida Department of Financial Services before approving the firm's contract and disclosure packet.
The latest codified Florida statutes available when this resource was prepared were the 2025 Florida Statutes. The relevant administrative rules also carry their own effective dates.
Professional boundary
This checklist is an operational quality-control aid, not legal advice or a determination that a contract complies with law. Have qualified counsel and the firm's licensed professionals approve forms and procedures.
Official references
- Florida Statute 626.854: Public adjuster definition and prohibitions
- Chapter 2026-174, § 29: Claim-status request and response duty
- Florida Statute 626.8795: Public adjuster conflicts of interest
- Florida Statute 626.8796: Public adjuster contracts and disclosure
- Florida Administrative Rule 69B-220.051: Conduct of Public Adjusters
- Florida Administrative Rule 69B-220.201: Ethical Requirements
- Florida DFS Claim Process Disclosure Form
Restoria completed an editorial check of the cited primary sources on July 12, 2026. No Florida-licensed public adjuster or attorney review or endorsement is claimed.
