This week, Florida Insurance Commissioner Mike Yaworski announced more than $2 million in fines tied to claims handling issues after Hurricanes Ian and Idalia. The market conduct surveys revealed problems ranging from the use of improperly appointed adjusters to missing disclosure statements and missed deadlines in responding to policyholders.

These lapses don’t just result in penalties—they erode trust at a time when policyholders are most vulnerable. That’s why, at Lozano, we’ve built compliance into the foundation of how we operate. Before a single claim is assigned, every adjuster is verified with the Department of Financial Services (DFS): active license, good standing, continuing education credits current, and an active appointment. If an adjuster doesn’t meet every requirement, they don’t touch a claim.

But compliance is not static. Statutes evolve, DFS directives shift, and carriers update their handling manuals. Our responsibility is to stay ahead of those changes. That’s why every Lozano deployment includes training on the latest state and carrier directives—covering claims handling procedures, policyholder communication standards, and statutory timelines.

Our clients never have to wonder whether these boxes are checked. We make it our job to ensure every Lozano adjuster is fluent in the rules of the road, so insurers can focus on serving their policyholders with confidence.

At Lozano, compliance isn’t just a requirement—it’s part of our promise.