Florida 4-Hour Law & Ethics Update — Public Adjusters (CE 5-320)

Florida 4-Hour Law & Ethics Update — Public Adjusters (CE 5-320)

Provider #374697 | 4 Credit Hours | Only $15.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Approval status: This course has been submitted to the Florida Department of Financial Services and is pending course approval. A Florida course approval number will be published here once the Department assigns it. Please confirm the course is approved before relying on it for your compliance cycle.

This four-hour, self-paced online course delivers the Law & Ethics Update written specifically for Florida public adjusters under Sections 626.869(4) and 626.2815(3), Florida Statutes (course authority 5-320). It is organised into four fifty-minute hours that follow the Department of Financial Services’ prescribed areas of study, with a knowledge check at the end of each hour and a twenty-five-question final examination.

Work at your own pace and log in and out without losing progress. Your certificate is emailed as soon as you finish, and 1st Choice CE reports approved completions to the Department on your behalf.

✅ Course Details

• Course name: Florida 4-Hour Law & Ethics Update — Public Adjusters (CE 5-320)
• Provider number: 374697
• Course authority: CE 5-320
• Course length: 4 hours
• Intended licence: 3-20 public adjuster
• Course format: 100% online, self-paced
• Price: $15.99
• Certificate: emailed immediately after completion
• Approval: pending with the Florida Department of Financial Services
• Support: call or text 1-800-698-2770

✅ Who Should Take This Course?

• Florida licensed 3-20 public adjusters
• Public adjuster apprentices working under supervision
• Primary adjusters carrying the designation duties of s. 626.8695
• Public adjusting firm owners and principals
• Staff who prepare or present public adjuster contracts
• Public adjusters who need the Law & Ethics Update this cycle

✅ Does This Course Satisfy the State Requirement?

This course is built to satisfy the 4-hour Law & Ethics Update required for the 3-20 public adjuster licence, course authority 5-320. It is not yet approved. The application is under review by the Florida Department of Financial Services, and the course cannot be used for continuing education credit until the Department approves it and assigns a course number. It also does not cover the remaining elective hours in your cycle.

✅ Florida Continuing Education Requirements

Florida licensees complete continuing education on a two-year cycle. For most adjuster and agent licence types the total is 24 hours — a 4-hour Law & Ethics Update matched to your licence type, plus 20 elective hours. Totals vary by licence type and by how long you have been licensed, so confirm your own figure on your licence record before you buy.

• Cycle length — 24 months, repeating every two years
• Total for most licence types — 24 hours (4 hours Law & Ethics Update + 20 elective hours)
• Law & Ethics Update — must match your licence type; this course is written for authority 5-320
• Multiple licences — completing the Law & Ethics Update for one licence type satisfies the requirement
• Reporting — providers have 21 days to report; 1st Choice CE reports within 24 hours
• Appointments — lack of an appointment does not eliminate the CE requirement

How this course helps: Once approved, this course is designed to satisfy the full 4-hour Law & Ethics Update requirement for the 3-20 public adjuster licence. It does not provide elective hours — the remaining 20 hours must be completed separately.

✅ When Do Licensees Renew?

Florida continuing education is due by the last day of your birth month once you have been licensed 24 months, and every two years after that. The deadline follows your birth month, not the date you bought a course, so leave time for provider reporting. Completing your CE and renewing your licence are two separate steps.

✅ How to Renew Your Florida Licence

1. Sign in to your MyProfile account on the Florida Department of Financial Services website and check your licence type, status and CE transcript.
2. Note your compliance due date — the end of your birth month — and how many hours you still owe.
3. Complete the 4-hour Law & Ethics Update matched to your licence type, plus your elective hours.
4. Allow reporting time. Florida gives providers 21 days; 1st Choice CE reports within 24 hours of completion.
5. Return to MyProfile and confirm each course appears on your transcript and your compliance shows as met.
6. Complete any renewal or appointment steps the Department shows as outstanding and pay any fee due.
7. Save your certificates and confirm your licence shows active with an updated expiration date.

✅ What You Will Learn

• Explain the public adjuster licensing pathway, bond and apprentice supervision rules
• Draft and present a public adjuster contract that meets statutory requirements
• Calculate and disclose compensation within Florida's statutory caps
• Apply the statutory claim deadlines to a represented claim
• Handle funds belonging to an insured on a fiduciary basis
• Recognise the solicitation and contracting practices that draw enforcement

✅ Course Content Overview

Hour 1 — Regulatory Awareness: Florida's Oversight Structure and Public Adjuster Licensing

• The roles of DFS and OIR in regulating public adjusting
• The licensing pathway under s. 626.865 — qualifications, prior licensure, examination and the $50,000 surety bond
• The public adjuster apprentice licence and its supervision limits under s. 626.8651
• Primary adjuster designation duties under s. 626.8695
• Licence maintenance and the continuing education structure
• The statutory definition of public adjusting and the consequences of unlicensed activity

Hour 2 — Insurance Law and Updates: Claim Deadlines, Reform Law, and the Public Adjuster Contract

• Florida's statutory claim deadlines and how they apply to a represented claim
• Recent Florida legislative changes affecting property claims
• The public adjuster contract — required content, timing and cancellation rights
• Compensation limits and how fees are calculated and disclosed
• Federal law touchpoints relevant to Florida public adjusting

Hour 3 — Ethical Requirements: Conduct Standards for Public Adjusters

• Lawful solicitation and the restrictions that apply after a loss
• Compliant contracting and honest claim presentation
• Capped, transparent fees and what must be disclosed
• Fiduciary handling of funds belonging to the insured
• Documentation standards that survive examination

Hour 4 — Disciplinary and Industry Trends: Enforcement, Catastrophe Practice, and the Current Market

• The disciplinary process and the sanctions available to the Department
• Case studies drawn from public adjuster enforcement
• Catastrophe-response compliance and the pressures it creates
• Recognising and avoiding the most common violations
• Where the Florida property claims market is heading

✅ Other Florida Insurance CE Courses & Packages

Save with a package – everything in one purchase:

• 20-Hour General Lines & Personal Lines Insurance CE Package - Florida – $34.99
• 20-Hour Life, Health and Annuity CE Package - Florida Insurance – $34.99
• 24-Hour General Lines and Personal Lines CE Insurance Package - Florida – $39.99
• 24-Hour Life, Health & Annuity Insurance CE Package Florida – $39.99

Individual Florida insurance CE courses:

• 1-Hour Hurricane Loss Mitigation and Premium Discounts Florida Insurance – $12.99
• 3 Hrs Flood Insurance (NFIP) - Florida – $15.99
• 4 hrs Long-Term Care Insurance Partnership Training - Florida – $15.99
• 4-hour Annuity Best Interest/Suitability - Insurance Agent CE - Florida – $15.99
• 4-Hour Law & Ethics Update - Life, Health & Annuity (CE 5-215) Florida Insurance – $15.99
• Florida 4-Hour Automobile Insurance & PIP / No-Fault (General Lines) – $15.99
• Florida 4-Hour Commercial Property & General Liability Insurance – $15.99
• Florida 4-Hour Errors & Omissions and Agency Risk Management - Insurance Agent – $15.99
• Florida 4-Hour Health Insurance & Medicare (Life, Health & Annuity) - Insurance Agent – $15.99
• Florida 4-Hour Homeowners & Residential Property Insurance – $15.99
• Florida 4-Hour Law & Ethics Update — General Lines (CE 5-220)- Insurance Agent – $15.99
• Florida 4-Hour Life Insurance Fundamentals (Life, Health & Annuity) – $15.99
• Florida 4-Hour Retirement Income & Annuity Planning (Life, Health & Annuity) - Insurance Agent – $15.99

All courses are Florida-approved, 100% online and self-paced, with your certificate emailed as soon as you finish. Questions? Call or text 1-800-698-2770.

✅ Why Choose 1st Choice CE?

• Florida-approved provider #374697
• Affordable at $15.99
• 100% online and self-paced
• Log in and out anytime without losing progress
• Instant emailed certificate
• We report approved completions to Florida within 24 hours
• Money-back guarantee
• Over 10 years of continuing education experience
• Support by phone or text at 1-800-698-2770

✅ Enroll Now

This course is pending approval with the Florida Department of Financial Services. Once approved it will be available for enrollment at $15.99. Questions in the meantime? Call or text 1-800-698-2770.