This course is a study of ethical conduct for adjusters in Florida, examining some of the ethical dilemmas they face and presenting the topics of deceptive trade practices and fair claims handling.

Objectives

• Learn the general concepts of adjuster ethics
• Gain an understanding of ethical decision making
• Compare ethical obligations and legal requirements
• Identify the duties resulting from the law of agency
• Guidelines and Law for Florida Adjusters to follow
• Learn about Adjuster Liability

Major Subjects Covered

• Introduction to Adjuster Ethics
• The Common Law of Agency
• Perspective on the Unauthorized Practice of Law
• Ethics for the Insurance Industry
• Complex Ethical Dilemmas that Challenge Adjusters
• Legal Vs. Ethical Requirements
• Adjuster Liability (Unethical Conduct may lead to Bad Faith Claims)
• Fair Claims Handling Guidelines and Law for FL Adjusters
• Deceptive Trade Practices in General
• Regulating Fair Claims Practices and Unfair Claim Settlement Practices
• Property and Casualty Claims Practices
• Adjusters and the Florida Insurance Code
• The Insurance Adjusters Law
• Adjuster Code of Ethics
• The Unfair Insurance Trade Practices Act
• Authority and Enforcement
• Disciplinary Guidelines for Public Adjusters

Florida Insurance Courses