Esquina de Cumplimiento
This section has been created to assist you in keeping your insurance business in compliance. The items are intended as reminders only and are not necessarily the exact text of the Estatutos de la Florida o Código Administrativo de la Florida. The legal cites have been provided for your further reference.
Charging Consumers for Motor Vehicle Reports
(MVRs)
An agent/agency may charge a consumer the actual cost of the MVR for each licensed driver. However, you may not include subscription or access fees associated with obtaining the MVR in the cost to the consumer.
[See subsection 627.7295(5)(b), Florida Statutes]
Assessing Credit Card Fees to Consumers
If a credit card company charges a fee for payments of policies/premiums, neither an agent nor an agency can charge the consumer that fee for reimbursement. Pursuant to Section 501.0117, F.S., a seller in a sales transaction may not impose a surcharge on the buyer for electing to use a credit card in lieu of payment by cash, check, or similar means, if the seller accepts payment by credit card.
[See section 501.0117, Estatutos de la Florida]
Public Adjusters: Declaration of Emergency in North Florida
On April 30, 2014, Governor Rick Scott signed Executive Order 14-144, declaring a state of emergency for the following Florida counties: Escambia, Santa Rosa, Okaloosa, Walton, Holmes, Washington, Bay, Jackson, Calhoun, Gulf, Liberty, Franklin, Gadsden, Leon, Wakulla, Jefferson, Madison, Taylor, Hamilton, Suwannee, Lafayette, Dixie, Columbia, Gilchrist, Levy, and Alachua. A copy of the executive order can be found here: Executive Order 14-144 - Emergency Management-Severe Weather and Flash Flooding.
The Division of Agent and Agency Services' Bureau of Investigation reminds public adjuster licensees of the following important laws related to adjusting claims located in the counties named in the Executive Order during a state of emergency declared by the Governor:
- Sección 626.854, Florida Statutes, provides specific direction
regarding fees and the insured's right of cancelation of a public adjusting
contract.
- Subsection (7) provides that during any state of emergency as declared by the Governor and for one year after the date of loss, the insured or claimant has five business days after the date on which the contract is executed to cancel a contract for public adjusting services. The five day cancellation period applies to only those contracts related to damages from this recent heavy weather event.
- Subparagraph (11)(b)1 states that a public adjuster may not charge, agree to, or accept any compensation, payment, commission, fee, or other thing of value in excess of ten percent of the amount of insurance claim payments made by the insurer for claims based on events that are the subject of a declaration of a state of emergency by the Governor. This provision applies to claims made during the year after the declaration of emergency.
- Sección 626.8796, Florida Statutes, provides additional information
regarding public adjusting contracts:
- Subsection (2) states in part: "An unaltered copy of the executed contract
must be remitted to the insurer within 30 days after execution."
Note: The requirement to provide the insurer with an unaltered copy of the contract is also a requirement for non-emergency claims.
- Subsection (2) states in part: "An unaltered copy of the executed contract
must be remitted to the insurer within 30 days after execution."
Please govern yourself accordingly.
You may direct any questions you have regarding this to askDFS@MyFloridaCFO.com.
[See sections 626.854 y 626.8796, Estatutos de la Florida]
Appointments and the Easy Way to Do Them Online
Appointments must be completed online (except bail bond agents). Depending on the type of license and appointment, the steps to complete the appointment may be different. Please view the appropriate category below for instructions:
- Representante del Cliente: Customer
representatives (4-40) and limited customer representatives (4-42) must be
appointed through the Mi Perfil account of the supervising general lines agent
(2-20) OR the licensed/registered insurance agency where the
customer representative works. To do this:
- Ingrese en Mi Perfil e ingrese en la cuenta de la agencia o del agente de líneas generales supervisor.
- Select the "Access eAppoint" link under "Apply". If you have never used eAppoint, you must first register and will need to select "Register to become an appointing entity".
- Ya en la mesa de trabajo de eAppoint, seleccione la pestaña requerida (Nombramiento Nuevo, Renovar Nombramiento o Finalizar Nombramiento) y siga las instrucciones en la página. Tendrá que enviar el/los arancel(es) para nombramiento correspondiente(s). Los nombramientos deberán renovarse cada 24 meses durante el mes de nacimiento de la persona designada.
- Agente de Líneas Excedentes, Corredor de Acuerdos de Viáticos, Tasador Público o de Todas las Líneas de su Propio Nombramiento: Los agentes de líneas excedentes, corredores de acuerdos de viático y tasadores públicos o de todas las líneas de su propio nombramiento deben ingresar en su propia cuenta de Mi Perfil y completar un nombramiento. Para hacerlo:
- Vaya a Mi Perfil e ingrese a su cuenta.
- Select the "Access eAppoint" button under "Apply". If you have never used eAppoint, you must first register and will need to select "Register to become an appointing entity".
- Ya en la mesa de trabajo de eAppoint, seleccione la pestaña requerida (Nombramiento Nuevo, Renovar Nombramiento o Finalizar Nombramiento) y siga las instrucciones en la página. Tendrá que enviar el/los arancel(es) para nombramiento correspondiente(s). Los nombramientos deberán renovarse cada 24 meses durante el mes de nacimiento de la persona designada.
- Adjusting Firm Appointing a Public or
All-lines Adjuster: Adjusting firms that are attempting to appoint a
public or all-lines adjuster must use eAppoint by logging in with an email
address and password. To do this:
- Vaya a eAppoint en https://iportal.fldfs.com/eappoint. If you are having a problem logging in, try clicking the "Retrieve lost password" link on the left side of the screen. If this does not resolve the issue, please email us at AgentLicensing@MyFloridaCFO.com.
- Ya en la mesa de trabajo de eAppoint, seleccione la pestaña requerida (Nombramiento Nuevo, Renovar Nombramiento o Finalizar Nombramiento) y siga las instrucciones en la página. Tendrá que enviar el/los arancel(es) para nombramiento correspondiente(s). Los nombramientos deberán renovarse cada 24 meses durante el mes de nacimiento de la persona designada.
- Insurance Companies and All Other
Entities: Insurance companies and all other entities must use eAppoint
and will log in using an email address and password. To do this:
- Vaya a eAppoint en https://iportal.fldfs.com/eappoint. If you are having a problem logging in, try clicking the "Retrieve lost password" link on the left side of the screen. If this does not resolve the issue, please email us at AgentLicensing@MyFloridaCFO.com.
- Ya en la mesa de trabajo de eAppoint, seleccione la pestaña requerida (Nombramiento Nuevo, Renovar Nombramiento o Finalizar Nombramiento) y siga las instrucciones en la página. Tendrá que enviar el/los arancel(es) para nombramiento correspondiente(s). Los nombramientos deberán renovarse cada 24 meses durante el mes de nacimiento de la persona designada.
New Website with Compliance Information
We recently launched a new section on our website dedicated to compliance information. The new section also provides consumers and licensees with an overview of the investigative process and many functions performed by our Bureau of Investigation. We encourage you to visit this new section to our website and come back often as we update and add more information to it. You can visit the new compliance site at www.MyFloridaCFO.com/Division/Agents/Compliance.