{"id":901610,"date":"2023-09-14T09:37:51","date_gmt":"2023-09-14T15:37:51","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=901610"},"modified":"2023-09-15T09:43:08","modified_gmt":"2023-09-15T15:43:08","slug":"appraisers-cant-be-public-adjusters-florida","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/appraisers-cant-be-public-adjusters-florida\/","title":{"rendered":"Fla. Public Adjusters Can\u2019t Act as Appraisers if Fees Exceed Statutory Cap"},"content":{"rendered":"\n

William Rabb | Claims Journal<\/a><\/p>\n\n\n\n

Public adjusters cannot double as appraisers<\/a> in claims disputes if their total fees exceed the statutory cap, a Florida appeals court decided Wednesday in what may be seen as another win in property insurers\u2019 long battle against tactics allegedly employed by some public adjusters.<\/p>\n\n\n\n

The decision in Monarch Claims Consultants vs. Fleming and Universal Property & Casualty Insurance underscores a 2018 Florida appeals court opinion and a 2023\u00a0ruling from the Florida Supreme Court, which found that public adjusters cannot act as appraisers in the same claim.<\/p>\n\n\n\n

The Wednesday opinion, by the 1st<\/sup> District Court of Appeals, may have been influenced by widespread stories of some public adjusters coming into distressed areas after hurricanes and signing up homeowners \u2013 but failing to follow through on claims, said Charles \u201cChip\u201d George, of Coral Gables, one of the homeowners\u2019 attorneys in the case.<\/p>\n\n\n\n

\u201cYou had a carpetbagger running up there and signing up people, then not doing any of the work he\u2019d promised to do,\u201d George said Wednesday.<\/p>\n\n\n

\n
\"\"
George<\/figcaption><\/figure><\/div>\n\n\n

The case stemmed from Hurricane Michael, which hit the Florida Panhandle in 2018. Cliff and Jane Fleming\u2019s home in Panama City, Florida, suffered significant damage and they hired Monarch Claims Consultants, of Miami, as their public adjusting firm. The contract provided that the homeowners would also appoint Monarch as an appraiser if the loss amount was disputed and went to appraisal.<\/p>\n\n\n\n

After a year, though, the Flemings terminated the service agreement because they said Monarch had made no progress on the claim, the court explained. The couple settled with their insurance company, Universal Property & Casualty. Monarch claimed it was entitled to a fee from the settlement. The Flemings filed suit, seeking a declaration from the Bay County Circuit Court that the contract with Monarch was invalid because it violated Florida law.<\/p>\n\n\n\n

Florida statutes limit public adjusters\u2019 fees, for up to a year after a declared state of emergency, to 10% of the insurance award or settlement, not including attorney fees. Outside of declared emergency periods, public adjusters may charge no more than 20%.<\/p>\n\n\n\n

The adjusting firm sought to have the Flemings\u2019 suit moved to Miami-Dade, per one section of the service agreement. But the trial court agreed with the Flemings\u2019 attorney that the entire contract was invalid because an appraisal fee plus the adjuster fee would put the firm\u2019s compensation at double the statutory limit.<\/p>\n\n\n\n

The contract \u201cwas absurd on its face,\u201d George said. \u201cIt was taking advantage of people who were in dire straits and needed help.\u201d<\/p>\n\n\n\n

Monarch appealed, but the 1st District Court of Appeals upheld the trial judge.<\/p>\n\n\n\n

\u201cThe trial court cannot enforce a venue selection clause when there was never a valid contract to begin with,\u201d\u00a0reads the opinion, written by Appeals Court Judge Rachel Nordby.<\/p>\n\n\n\n

Monarch\u2019s attorneys, Jessica and Henry Marinello, argued that the contract with the homeowners was a \u201ctwo-purpose contract,\u201d and the fee-limit statute applies only to the public adjuster fees.<\/p>\n\n\n\n

\u201cBut Monarch\u2019s argument fails to give full effect to the text of the statute,\u201d the court wrote.<\/p>\n\n\n\n

A key point in the decision, George said, is that the court found that although Monarch had not yet seen any compensation from the contract, just the plan to double-dip on the fee is contrary to the fee limitations law.<\/p>\n\n\n\n

\u201cEven if the added ten percent fee counts as an \u2018appraiser fee\u2019 instead of a \u2018public adjuster fee\u2019 as Monarch suggests, the contract would still violate the statute. The Flemings\u2019 promise to appoint Monarch as their appraiser, on its own, is a \u2018thing of value\u2019 that exceeds the ten percent cap,\u201d the appeals court noted.<\/p>\n\n\n\n

The decision was supported by a 2018 opinion by Florida\u2019s 3rd<\/sup> District Court of Appeals, known as Gables Insurance Recovery vs. Citizens Property Insurance Corp. In that case, the court found that a homeowner hired a public adjuster and agreed to the statutory cap on fees. But in a second contract, the policyholder assigned benefits to the adjuster, granting another 20% of the insurance recovery.<\/p>\n\n\n\n

The courts found that even as an assignee of benefits, the firm still was considered a public adjuster, and the AOB contract had to be voided. \u201cSection 626.854 says that a public adjuster may not even \u2018agree to\u2019 compensation in excess of the\u201d statutory cap, the court said.<\/p>\n\n\n\n

The opinion may be seen as another blow against public adjusters, who have been vilified by insurance carriers and by state officials for, in some cases, allegedly inflating damage estimates, conspiring with repair contractors and with trial attorneys, and interfering with insurers\u2019 own adjustment efforts. After Hurricane Ian hit southwest Florida in 2022, Florida\u2019s chief financial officer said adjusters had \u201cswarmed\u201d the devastated area and he called for new regulations.<\/p>\n\n\n\n

Six months later, the Florida Legislature placed additional limits on public adjusting firms.\u00a0House Bill 1185, signed into law in May, prohibits public adjusters from contracting with anyone other than the named insured without the insured\u2019s written consent.<\/p>\n\n\n\n

If the public adjuster does contract with a third party, the third party must pay the fee. The bill also allows policyholders to cancel a public adjuster contract within 30 days of the loss if the loss was caused by a declared emergency, or within 10 days of signing the contract.<\/p>\n\n\n\n

The issue of public adjusters serving as appraisers was complicated this year when the Florida Department of Financial Services argued in a high-profile disciplinary case that appraisers fall under the statutory definition of public adjusters, subject to insurance statutes and the adjusters\u2019 code of ethics.<\/p>\n\n\n\n

The Windstorm Insurance Network, which provides training for appraisers, said that could throw a wrench into the appraisal process, since many engineers who work as appraisers are not licensed as adjusters. The network petitioned DFS to clarify if it meant appraisers had to be licensed adjusters, and if current training courses were in compliance.<\/p>\n\n\n\n

Citizens Property Insurance officials\u00a0asked to intervene\u00a0and argued that the law is clear: Appraisers must be licensed adjusters.<\/p>\n\n\n\n

In May, DFS officials denied the Windstorm petition as being too broad. It left the license question unresolved.<\/p>\n\n\n\n

In the underlying case, against notorious adjuster Scott David Thomas, an administrative law judge and DFS found that Thomas, who had also worked as an appraiser at times, had engaged in aggressive, bullying behavior in blocking Citizens\u2019 own adjusters. His adjuster\u2019s\u00a0license was suspended\u00a0for two years and he was fined $5,000. Florida\u2019s 4th District Court of Appeals in June\u00a0barred the suspension\u00a0from taking effect while Thomas\u2019 appeal is pending.<\/p>\n\n\n\n

In the Monarch case decision, the adjuster firm\u2019s attorneys could not be reached for comment Wednesday. But George, the homeowner\u2019s lawyer, suggested that after years of tinkering with the law to try and tamp down some public adjusters\u2019 actions, perhaps tougher measures are needed.<\/p>\n\n\n\n

\u201cThere really needs to be some criminal violations for even writing contracts like that,\u201d in which adjusters are also hired as appraisers, George said.<\/p>\n\n\n\n

\n\n\n\n

When one of your cases is in need of a construction expert, estimates, insurance appraisal or umpire services in defect or insurance disputes – please call Advise & Consult, Inc. at 888.684.8305, or email experts@adviseandconsult.net<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

William Rabb | Claims Journal Public adjusters cannot double as appraisers in claims disputes if their total fees exceed the statutory cap, a Florida appeals court decided Wednesday in what may be seen as another win in property insurers\u2019 long battle against tactics allegedly employed by some public adjusters. The decision in Monarch Claims Consultants… Continue reading Fla. Public Adjusters Can\u2019t Act as Appraisers if Fees Exceed Statutory Cap<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[10235],"tags":[9895,94,131,283],"class_list":["post-901610","post","type-post","status-publish","format-standard","hentry","category-insurance-appraisal","tag-advise-consult","tag-florida","tag-insurance-appraisal","tag-public-adjuster","entry"],"jetpack_publicize_connections":[],"yoast_head":"\nFla. 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