Report Suspected Hurricane Irma Fraud
November 01, 2017
- Suspected adjuster, repair vendors and/or policyholder fraud via the Contact Us section on the Citizens website. Select Report Suspected Fraud from the Topic menu options, and provide full details.
- Suspected insurance fraud that may involve policies or claims of other insurance companies to the Florida Department of Financial Services (DFS) Bureau of Insurance Fraud by calling 800.378.0445. More information is available on the bureau’s website.
- Public adjusters directly or indirectly referring or steering any claimant to any person with whom the adjuster has an undisclosed financial interest. A public adjuster must not enter into a contract or accept a power of attorney that vests in the public adjuster the effective authority to choose the persons who shall perform repair work.
- A public adjuster soliciting their services and representing themselves as an adjuster for or directed by Citizens in order to secure a contract with the policyholder
- Individuals engaging in the practice of public adjusting if they are not licensed by DFS
According to DFS, the definition of a public adjuster, as explained in Section 626.854, Florida Statutes, is any person, except an attorney, who, for money or any other thing of value:
- Prepares, completes or files an insurance claim form for a policyholder
- Aids a policyholder in any manner in negotiating for or effecting the settlement of a claim
- Advertises or solicits for employment as an adjuster of such claim
Note: This definition excludes a person who photographs or inventories damaged personal property or a person performing duties under another professional license, if such person does not otherwise solicit, adjust, investigate or negotiate for or attempt to effect the settlement of a claim.
- A public adjuster charging, agreeing to or accepting anything of value in excess of 10 percent of the amount of residential insurance claim payments. Governor Scott declared a state of emergency on Sept. 4, 2017, which prohibits excess payments for one year.
- Policyholders providing deceptive or false claim information regarding the loss, inflating the value of damaged property or providing false repair bills or receipts
- Claims adjusters, contractors or repair vendors providing inflated repair estimates or claim information or possibly receiving kickbacks
Agent Bulletins are provided for historical purposes only and have not been updated to include any changes that may have been made after publication. Agents can find the latest information by reviewing the applicable underwriting manuals and by logging in, then selecting Search → Search Frequently Asked Questions.