Florida 4-Hour Residential Property Claims Handling — Adjusters (CE 3-24C)

Florida 4-Hour Residential Property Claims Handling — Adjusters (CE 3-24C)

✅ Approved by the Florida Department of Financial Services | Provider #374697 | Course #139919 | Only $15.99 | Instant Emailed Certificate | 100% Online & Self-Paced

Earn 4 approved elective hours toward your Florida adjuster continuing education with a course approved by the Florida Department of Financial Services that you can start immediately for only $15.99. It is filed under adjuster elective authority CE 3-24C, so the credit applies to the 20 elective hours all-lines adjusters complete each compliance period.

The course is 100 percent online and self-paced, and your progress is saved every time you log out. Pass the 25-question final exam at 70 percent or higher and your certificate is emailed immediately, while 1st Choice CE reports your completion to the Department within 24 hours — well inside the 21 days Florida allows providers.

✅ Course Details

• Course Name: Florida 4-Hour Residential Property Claims Handling — Adjusters (CE 3-24C)
• Approved By: Florida Department of Financial Services (DFS)
• Provider Number: 374697
• Course Number: 139919
• Course Authority: CE 3-24C (Adjuster Optional — Claims)
• Course Length: 4 hours
• Course Category: Adjuster elective — claims (authority CE 3-24C)
• Course Format: Self-study online — 100% online, self-paced
• Final Exam: 25 questions, 70% to pass
• Price: $15.99
• Certificate: Emailed immediately after you pass
• Reporting: 1st Choice CE reports your hours to Florida within 24 hours
• Support: Call or text 1-800-698-2770

✅ Who Should Take This Course?

• Florida resident all-lines adjusters (license 5-20)
• Florida company employee adjusters (license 6-20)
• Nonresident all-lines adjusters licensed in Florida (license 7-20)
• Nonresident designated home state adjusters (license 70-20)
• Independent and staff adjusters handling Florida homeowners and residential property claims
• Catastrophe and field adjusters deployed to Florida after a hurricane or severe weather event
• Claims supervisors and file reviewers who audit Florida residential property files
• Adjusters who still need elective hours and have already completed the required 4-hour update
• Not written for 3-20 public adjusters — public adjuster electives must come from courses approved for that license

✅ Does This Course Satisfy the State Requirement?

This course provides 4 hours toward the 20 elective hours Florida all-lines adjusters generally complete each compliance period.

It does not satisfy the separate 4-hour Law and Ethics Update for adjusters, which is filed under authority 5-620 and must be completed as its own course.

It does not by itself complete the 24-hour requirement. The remaining elective hours must be completed separately.

Your own total can be lower if you qualify for an hour reduction. Check your CE Status in MyProfile and confirm your exact requirement against your license record.

✅ Florida Adjuster Continuing Education Requirements

Florida all-lines adjusters complete continuing education on a 24-month compliance period. The standard requirement is 24 total hours, split between one mandatory update course and a block of electives. Reductions based on how long you have been licensed are applied to the elective category only — the 4-hour update course is always required.

• Licensed 6 or more years: the elective requirement is reduced to 16 hours, for a 20-hour total.
• Licensed 25 or more years and holding a CPCU or CLU designation: the elective requirement is reduced to 6 hours, for a 10-hour total.
• Your compliance period runs 24 months and ends on the last day of your birth month, then every two years after that.
• You cannot repeat the same course within two years and receive credit for it again.
• Course providers must report completions to the Department within 21 days. 1st Choice CE reports within 24 hours.
• Nonresident adjusters may qualify for CE reciprocity if they have satisfied the requirement in a reciprocal home state.
• Check your own requirement and remaining hours by logging in to MyProfile and clicking CE Status.

How this course helps: This 4-hour claims course provides 4 of the 20 elective hours required each compliance period for Florida all-lines adjusters (5-20, 6-20, 7-20, and 70-20), under adjuster elective authority CE 3-24C. It does not satisfy the separate 4-hour Law and Ethics Update (5-620), and 16 elective hours remain after this course under the standard 24-hour requirement. It is not approved for 3-20 public adjuster electives.

✅ When Do Licensees Renew?

Florida adjuster licenses are perpetual — there is no license renewal application. The license stays in force as long as you remain properly appointed and keep your continuing education current.

Continuing education runs on a 24-month compliance period that ends on the last day of your birth month, and then every two years after that. A new licensee gets a full 24 months before the first period closes.

Appointments are renewed every 24 months during the appointee's birth month, and the appointing entity receives and pays the renewal invoice.

Failing to complete continuing education on time may result in cancellation of an appointment, and a license expires if it goes 48 months without an appointment. Completing your hours on schedule is what keeps the license active.

✅ How to Keep Your Florida Adjuster License Active

1. Log in to your MyProfile account on the Department's website and click CE Status. Confirm your license type, your compliance period end date, and the hours you still owe.
2. Complete the required 4-hour Law and Ethics Update for adjusters (authority 5-620). It is a separate course and no elective can replace it.
3. Complete your elective hours, including this 4-hour claims course, before the last day of your birth month at the close of the compliance period.
4. Do not repeat a course you already received credit for within the past two years — Florida will not count it twice.
5. Allow reporting time. 1st Choice CE submits your completion within 24 hours; Florida gives providers 21 days, so do not wait until the final week.
6. Return to CE Status in MyProfile and confirm the transcript shows every course and that your period is satisfied.
7. Confirm with your appointing entity — your employer, your adjusting firm, or yourself if you appoint yourself — that your appointment renewal invoice has been paid.
8. Keep your addresses and contact information current in MyProfile, and save a copy of every certificate for your records.

✅ What You Will Learn

• Apply Florida's claim-handling deadlines — 7-day acknowledgment, 7-day investigation, 30-day inspection, 7-day estimate delivery, and 60-day pay-or-deny — to a live residential file
• Identify the notice deadlines that bar an initial, reopened, or supplemental claim and establish the controlling date of loss
• Calculate and apply a Florida hurricane deductible, including a second hurricane loss in the same calendar year
• Value a dwelling and personal property loss using the payment sequences Florida law permits
• Apply law and ordinance coverage and the matching and adjoining-areas standard to a repair
• Build an estimate and claim record that documents compliance, including the adjuster communication log
• Recognize unfair claim settlement practices and the ethical duties Rule 69B-220.201, F.A.C., places on every Florida adjuster
• Handle mediation, presuit notice, and an insolvency referral without missing a statutory step

✅ Course Content Overview

Hour 1 — Opening the Claim: First Notice, Coverage Verification, and File Setup

• The 7-day duty to review and acknowledge a communication about a claim
• Notice deadlines: 1 year for initial and reopened claims, 18 months for supplemental claims
• Establishing the controlling date of loss for hurricanes and other weather events
• Applying the hurricane deductible, including the calendar-year rule
• The policyholder's duties after loss and how to request compliance accurately
• Opening the claim record and maintaining the adjuster communication log

Hour 2 — Investigating the Loss: Statutory Timelines, Inspection, and Cause

• Beginning the investigation within 7 days after proof-of-loss statements are received
• Completing any physical inspection within 30 days
• Determining cause of loss and separating covered damage from excluded or pre-existing damage
• The reasonable investigation standard and denials made without one
• Requesting information from the insured and explaining why it is necessary
• Recognizing, documenting, and referring suspected fraud while handling the claim fairly

Hour 3 — Valuing the Loss, Matching, and Delivering the Estimate

• Building the scope and line-item estimate, including overhead and profit
• Paying a dwelling loss: actual cash value first, then repairs as the work is performed
• The two permitted methods for paying a personal property loss
• Law and ordinance coverage and the 25 percent default
• Matching and reasonable repairs in adjoining areas
• Delivering the estimate within 7 days and protecting the adjuster's report from alteration

Hour 4 — Resolving the Claim: Payment, Denial, Dispute Resolution, and Insolvency

• The duty to pay or deny a claim within 60 days
• Writing a denial or settlement offer that meets the statute
• Ethical requirements for Florida adjusters under Rule 69B-220.201, F.A.C.
• The Florida property insurance mediation program
• Presuit notice and the insurer's 10-business-day response
• Insurer insolvency and Florida Insurance Guaranty Association limits

✅ Other Florida Insurance CE Courses

• Florida 4-Hour Law & Ethics Update — Adjusters (CE 5-620) – $15.99
• Florida 4-Hour Homeowners & Residential Property Insurance – $15.99
• Florida 4-Hour Commercial Property & General Liability Insurance – $15.99
• Florida 4-Hour Automobile Insurance & PIP / No-Fault (General Lines) – $15.99
• 3 Hrs Flood Insurance (NFIP) - Florida – $15.99
• 1-Hour Hurricane Loss Mitigation and Premium Discounts Florida Insurance – $12.99
• Florida 4-Hour Law & Ethics Update — Public Adjusters (CE 5-320) – $15.99

✅ Why Choose 1st Choice CE?

• Approved by the Florida Department of Financial Services — provider #374697, course #139919
• Affordable: only $15.99
• 100% online and self-paced — no classroom, no scheduled sessions
• Log in and out anytime without losing your progress
• Instant emailed certificate as soon as you pass
• Florida reporting 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

Enroll online, start right away, and work at your own pace. When you pass the final exam your certificate is emailed immediately and your 4 elective hours are reported to Florida within 24 hours. Questions before you buy? Call or text 1-800-698-2770.

Enroll in this course