The answer requires reviewing the actual activities, personnel, entity arrangements and relevant jurisdiction—not merely the supplier’s service name.
Florida states that a person may not act or hold themselves out as an insurance adjuster without the required licence and appointment. Its licensing guidance also addresses adjusting-firm licensing for locations used to perform functions requiring an adjuster licence, subject to exemptions. These are Florida examples, not a nationwide determination about estimate writing. (myfloridacfo.com)
Provide counsel with a task-level description:
| Proposed task | Question for legal review |
|---|---|
| Transcribing supplied measurements | Is this confined to administrative processing? |
| Selecting repair scope or interpreting damage | Does the activity involve regulated adjusting judgement? |
| Preparing factual narratives | Where does factual compilation become a substantive claims assessment? |
| Communicating scope positions externally | Who is represented, and what authority is exercised? |
| Negotiating or authorising settlement | What licence, appointment and delegated authority are required? |
Require evidence of applicable individual and firm credentials, subcontractor arrangements and supervision. Repeat the review when the service expands; a narrowly approved transcription workflow should not quietly become delegated claims handling.
Sources cited on this page
- myfloridacfo.commyfloridacfo.com