Which percentage can a public adjuster charge for claims based on events during a state of emergency?

The correct answer to the question regarding the percentage a public adjuster can charge for claims based on events during a state of emergency is 10%. This limit is established under Florida law to protect consumers during times of crisis, ensuring that adjusters do not exploit vulnerable policyholders who may be facing significant losses.

The rationale behind this regulation is grounded in the understanding that during a state of emergency, individuals may be experiencing increased stress and urgency as they navigate the claims process following a disaster or emergency situation. By capping the fees at 10%, the law seeks to create a balance that prevents excessive charges while allowing public adjusters to be compensated for their services.

Other percentages mentioned, such as 15%, 20%, and 30%, exceed the allowed maximum set by Florida regulations, making them inappropriate choices in the context of this question.