The Department of Financial Services believes that adopting an emergency rule is the fairest method to protect the public because the nature of the destruction caused by Hurricane Wilma requires an immediate response. The conditions from Hurricane Wilma will require the Department to exercise its authority to provide protection to consumers from unethical conduct of certain public adjusters. The provisions of this rule provide needed guidance to public adjusters. A Department bulletin addressed to all licensed public insurance adjusters would reach them, but would not be legally binding. In addition, the Department has initiated permanent rulemaking for some of the provisions of this and previous emergency rules for public adjusters in the aftermath of hurricanes. A Notice of Proposed Rule Development was published in the Florida Administrative Weekly on October 21, 2005. The Department plans to publish a Notice of Proposed Rulemaking in the February 9, 2006, issue of the Florida Administrative Weekly.