INSURANCE AND ADJUSTER LICENSE Florida, Texas & California Insurance
Law Foundations Practice Exam | Complete Study Guide with Verified
Questions & Detailed Rationales | Updated 2026 | State Insurance
Regulations, Licensing Requirements, Claims Handling Standards, Ethics,
Contract Law Principles & Regulatory Compliance | Multi-State Adjuster
Certification Mastery Series – Part 1 of 3
Question 1: What is the minimum age requirement to apply for a Florida 6-20 All-
Lines Resident Adjuster License?
A. 16 years old
B. 17 years old
C. 18 years old
D. 21 years old
CORRECT ANSWER: C. 18 years old
RATIONALE: Florida law requires all applicants for the 6-20 All-Lines Adjuster License
to be at least 18 years of age, a U.S. citizen or legal alien with work authorization, and a
Florida resident
adjusterpro.com
.
Question 2: Which Florida adjuster license type is specifically designed for non-
residents who live in a state that does not license adjusters and wish to use Florida
as their designated home state?
A. 6-20 Resident Adjuster
B. 7-20 Nonresident Adjuster
C. 70-20 Nonresident DHS Adjuster
D. 3-20 Public Adjuster
CORRECT ANSWER: C. 70-20 Nonresident DHS Adjuster
RATIONALE: The 70-20 Nonresident DHS (Designated Home State) Adjuster License
allows individuals residing in non-licensing states to establish Florida as their licensing
home state, enabling reciprocity with other states
adjusterpro.com
.
Question 3: In Florida, how many hours of continuing education must a licensed
adjuster complete every two years to maintain their license?
A. 12 hours
B. 16 hours
C. 20 hours
D. 24 hours
,CORRECT ANSWER: D. 24 hours
RATIONALE: Florida requires licensed adjusters to complete 24 hours of continuing
education every 24 months, including 4 hours dedicated to Law and Ethics. After six
years of licensure, the requirement reduces to 20 hours
561injuryhelp.com
.
Question 4: Which Florida state agency regulates public adjusters and issues the 3-
20 Public Adjuster License?
A. Florida Department of Insurance
B. Florida Office of Financial Regulation
C. Florida Department of Financial Services
D. Florida Division of Administrative Hearings
CORRECT ANSWER: C. Florida Department of Financial Services
RATIONALE: The Florida Department of Financial Services (DFS) is the regulatory body
responsible for licensing and overseeing public adjusters under the 3-20 license
classification
floridaadjusterlicensing.com
.
Question 5: What is the required surety bond amount for a Florida Public Adjuster
License?
A. $5,000
B. $10,000
C. $25,000
D. $50,000
CORRECT ANSWER: D. $50,000
RATIONALE: Florida law mandates that all public adjuster applicants file an original
$50,000 surety bond with the Department of Financial Services to protect consumers
from willful or wrongful conduct
floridaadjusterlicensing.com
.
Question 6: Under Florida law, what is the maximum fee a public adjuster may
charge for claims resulting from a Governor-declared emergency?
A. 5% of the claim payment
B. 10% of the claim payment
,C. 15% of the claim payment
D. 20% of the claim payment
CORRECT ANSWER: B. 10% of the claim payment
RATIONALE: Florida statutes cap public adjuster fees at 10% of the insurance claim
payment for losses arising from events declared as emergencies by the Governor, and
20% for non-emergency claims
floridaadjusterlicensing.com
.
Question 7: Which path is NOT a valid pre-licensing qualification route for obtaining
a Florida Public Adjuster License?
A. Completing a one-year apprenticeship with 100 hours/month under a licensed public
adjuster
B. Holding a 6-20 All-Lines Adjuster License continuously for the previous 6 months
C. Earning a qualifying professional designation recognized by the Florida DFS
D. Passing a state-approved 40-hour pre-licensing course without experience
CORRECT ANSWER: D. Passing a state-approved 40-hour pre-licensing course
without experience
RATIONALE: Florida requires public adjuster applicants to meet one of three specific
pathways: apprenticeship, prior adjuster experience, or a recognized professional
designation. A standalone pre-licensing course without experience does not satisfy the
requirement
floridaadjusterlicensing.com
.
Question 8: In Florida, how often must an adjuster's appointment be renewed to
keep their license active?
A. Annually
B. Every 12 months
C. Every 24 months
D. Every 48 months
CORRECT ANSWER: C. Every 24 months
RATIONALE: Florida requires adjusters to maintain an active appointment, which must
be renewed every 24 months during the licensee's birth month. Failure to maintain
appointment can result in license termination
adjusterpro.com
.
, Question 9: Which of the following is a prohibited solicitation practice for Florida
public adjusters?
A. Advertising in local newspapers
B. Soliciting business within 48 hours after a Governor-declared state of emergency
C. Maintaining a professional website
D. Attending community disaster recovery meetings
CORRECT ANSWER: B. Soliciting business within 48 hours after a Governor-
declared state of emergency
RATIONALE: Florida law prohibits public adjusters from soliciting business during a
state of emergency or disaster for 48 hours after the event to protect vulnerable
policyholders from undue pressure
floridaadjusterlicensing.com
.
Question 10: What is the application fee for a Florida All-Lines Adjuster License?
A. $35
B. $50
C. $60
D. $75
CORRECT ANSWER: B. $50
RATIONALE: The Florida Department of Financial Services charges a $50 application
fee for the 6-20 All-Lines Adjuster License, plus additional fees for fingerprinting and
appointment
adjusterpro.com
.
Question 11: Which Texas legislation, effective September 1, 2023, establishes a
policyholder's right to hire a licensed public insurance adjuster?
A. HB 1040
B. HB 1706
C. HB 1900
D. SB 224
CORRECT ANSWER: B. HB 1706
RATIONALE: Texas House Bill 1706, effective September 1, 2023, explicitly establishes
the right of a policyholder to hire a licensed public insurance adjuster and prohibits
insurance policies from containing provisions that restrict this right
regulations.justia.com
Law Foundations Practice Exam | Complete Study Guide with Verified
Questions & Detailed Rationales | Updated 2026 | State Insurance
Regulations, Licensing Requirements, Claims Handling Standards, Ethics,
Contract Law Principles & Regulatory Compliance | Multi-State Adjuster
Certification Mastery Series – Part 1 of 3
Question 1: What is the minimum age requirement to apply for a Florida 6-20 All-
Lines Resident Adjuster License?
A. 16 years old
B. 17 years old
C. 18 years old
D. 21 years old
CORRECT ANSWER: C. 18 years old
RATIONALE: Florida law requires all applicants for the 6-20 All-Lines Adjuster License
to be at least 18 years of age, a U.S. citizen or legal alien with work authorization, and a
Florida resident
adjusterpro.com
.
Question 2: Which Florida adjuster license type is specifically designed for non-
residents who live in a state that does not license adjusters and wish to use Florida
as their designated home state?
A. 6-20 Resident Adjuster
B. 7-20 Nonresident Adjuster
C. 70-20 Nonresident DHS Adjuster
D. 3-20 Public Adjuster
CORRECT ANSWER: C. 70-20 Nonresident DHS Adjuster
RATIONALE: The 70-20 Nonresident DHS (Designated Home State) Adjuster License
allows individuals residing in non-licensing states to establish Florida as their licensing
home state, enabling reciprocity with other states
adjusterpro.com
.
Question 3: In Florida, how many hours of continuing education must a licensed
adjuster complete every two years to maintain their license?
A. 12 hours
B. 16 hours
C. 20 hours
D. 24 hours
,CORRECT ANSWER: D. 24 hours
RATIONALE: Florida requires licensed adjusters to complete 24 hours of continuing
education every 24 months, including 4 hours dedicated to Law and Ethics. After six
years of licensure, the requirement reduces to 20 hours
561injuryhelp.com
.
Question 4: Which Florida state agency regulates public adjusters and issues the 3-
20 Public Adjuster License?
A. Florida Department of Insurance
B. Florida Office of Financial Regulation
C. Florida Department of Financial Services
D. Florida Division of Administrative Hearings
CORRECT ANSWER: C. Florida Department of Financial Services
RATIONALE: The Florida Department of Financial Services (DFS) is the regulatory body
responsible for licensing and overseeing public adjusters under the 3-20 license
classification
floridaadjusterlicensing.com
.
Question 5: What is the required surety bond amount for a Florida Public Adjuster
License?
A. $5,000
B. $10,000
C. $25,000
D. $50,000
CORRECT ANSWER: D. $50,000
RATIONALE: Florida law mandates that all public adjuster applicants file an original
$50,000 surety bond with the Department of Financial Services to protect consumers
from willful or wrongful conduct
floridaadjusterlicensing.com
.
Question 6: Under Florida law, what is the maximum fee a public adjuster may
charge for claims resulting from a Governor-declared emergency?
A. 5% of the claim payment
B. 10% of the claim payment
,C. 15% of the claim payment
D. 20% of the claim payment
CORRECT ANSWER: B. 10% of the claim payment
RATIONALE: Florida statutes cap public adjuster fees at 10% of the insurance claim
payment for losses arising from events declared as emergencies by the Governor, and
20% for non-emergency claims
floridaadjusterlicensing.com
.
Question 7: Which path is NOT a valid pre-licensing qualification route for obtaining
a Florida Public Adjuster License?
A. Completing a one-year apprenticeship with 100 hours/month under a licensed public
adjuster
B. Holding a 6-20 All-Lines Adjuster License continuously for the previous 6 months
C. Earning a qualifying professional designation recognized by the Florida DFS
D. Passing a state-approved 40-hour pre-licensing course without experience
CORRECT ANSWER: D. Passing a state-approved 40-hour pre-licensing course
without experience
RATIONALE: Florida requires public adjuster applicants to meet one of three specific
pathways: apprenticeship, prior adjuster experience, or a recognized professional
designation. A standalone pre-licensing course without experience does not satisfy the
requirement
floridaadjusterlicensing.com
.
Question 8: In Florida, how often must an adjuster's appointment be renewed to
keep their license active?
A. Annually
B. Every 12 months
C. Every 24 months
D. Every 48 months
CORRECT ANSWER: C. Every 24 months
RATIONALE: Florida requires adjusters to maintain an active appointment, which must
be renewed every 24 months during the licensee's birth month. Failure to maintain
appointment can result in license termination
adjusterpro.com
.
, Question 9: Which of the following is a prohibited solicitation practice for Florida
public adjusters?
A. Advertising in local newspapers
B. Soliciting business within 48 hours after a Governor-declared state of emergency
C. Maintaining a professional website
D. Attending community disaster recovery meetings
CORRECT ANSWER: B. Soliciting business within 48 hours after a Governor-
declared state of emergency
RATIONALE: Florida law prohibits public adjusters from soliciting business during a
state of emergency or disaster for 48 hours after the event to protect vulnerable
policyholders from undue pressure
floridaadjusterlicensing.com
.
Question 10: What is the application fee for a Florida All-Lines Adjuster License?
A. $35
B. $50
C. $60
D. $75
CORRECT ANSWER: B. $50
RATIONALE: The Florida Department of Financial Services charges a $50 application
fee for the 6-20 All-Lines Adjuster License, plus additional fees for fingerprinting and
appointment
adjusterpro.com
.
Question 11: Which Texas legislation, effective September 1, 2023, establishes a
policyholder's right to hire a licensed public insurance adjuster?
A. HB 1040
B. HB 1706
C. HB 1900
D. SB 224
CORRECT ANSWER: B. HB 1706
RATIONALE: Texas House Bill 1706, effective September 1, 2023, explicitly establishes
the right of a policyholder to hire a licensed public insurance adjuster and prohibits
insurance policies from containing provisions that restrict this right
regulations.justia.com
