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Contractors cannot “negotiate” the settlement of the insurance claim with the insurance company representatives on behalf of the property owner…

I have also made this point to company and independent adjusters:

Insurance company adjusters that negotiate an insurance claim with contractors are knowingly engaging with others in illegal activity and committing unfair insurance claims violations.

If a contractor is acting as a public adjuster in any manner by negotiating or effecting the settlement of an insurance claim on behalf of an insured and they are performing any of these services for money, commission or anything of value without being licensed as a public adjuster (Section 626.854, Florida Statutes), they could be subject to arrest and may be charged with a third-degree felony as provided by Section 626.8738, Florida Statutes. I would have the homeowner file a police report and send the report to the Office of the State’s Attorney in that County.