An employee of a Florida roofing company wrote to an insurance company about a homeowner’s claim and told the insurer he was authorized to negotiate on the homeowner’s behalf. That email is described in a letter the state sent the company on September 29, 2021, quoted again inside the order that closed the case.
The order is a Consent Order of the Florida Department of Financial Services, Case No. 297448-22-AG, against RRCA Roofing and Reconstruction Contractors of America, LLC. The address listed for the company on the order is in Naples, in Collier County.
The company was a contractor, not an adjuster. The record states that the Department of Business and Professional Regulation listed it as a certified roofing contractor, license number CCC1330396, and that it held no Insurance Code license.
What the record says happened
The 2021 letter was a Letter of Instruction, reproduced in the settlement the order approves. It alleged that the company, “without a license as a Public Adjuster or being an attorney at law,” used an “Authorization & Agreement” with a Florida consumer which “described services which may require a Public Adjusters insurance license.” It then alleged that a company employee, in an email to an insurance carrier, explained he was authorized to “negotiate” for the consumer…