FLORIDA 3-20 PUBLIC ADJUSTERS STATE EXAM SET 1
2026/2027 | 140 Questions | Public Adjuster License Prep |
Pass Guaranteed - A+ Graded
Part I: Getting Licensed and Staying Compliant
Florida Insurance Regulations & Public Adjuster Licensing (Questions 1–25)
Q1: Maria just passed her 6-20 All-Lines Adjuster exam and wants to become a 3-20
Public Adjuster. According to Florida law, what's the minimum time she must hold her
6-20 license with an active appointment before applying for her 3-20 license?
A. 3 months with continuous appointment
B. 6 months with continuous appointment [CORRECT]
C. 12 months with continuous appointment
D. No waiting period required if she passes the 3-20 exam
Correct Answer: B
Rationale: Florida Statute 626.865 requires applicants to maintain a 6-20 All-Lines
Adjuster license for six months with an active appointment before qualifying for the
3-20 Public Adjuster license. This ensures candidates gain practical claims experience
,before representing policyholders independently. Options A and C state incorrect
timeframes, and D is false because there is a mandatory waiting period regardless of
exam passage.
Q2: James is applying for his 3-20 Public Adjuster license. Which of the following bond
requirements must he satisfy?
A. $25,000 surety bond filed with the Department of Financial Services
B. $50,000 surety bond filed with the Department of Financial Services [CORRECT]
C. $100,000 surety bond filed with the Florida Department of Law Enforcement
D. No bond required if he maintains errors and omissions insurance
Correct Answer: B
Rationale: Section 626.865 mandates that every public adjuster file an original $50,000
surety bond with the Department of Financial Services on a form provided by the
Department. This bond protects consumers against potential misconduct. Option A
states the incorrect amount, C names the wrong filing agency, and D is incorrect
because E&O insurance does not replace the statutory bond requirement.
,Q3: A public adjuster's license is subject to continuing education requirements. Under
Florida law, how many hours of continuing education must a 3-20 licensed public
adjuster complete every two years?
A. 10 hours
B. 20 hours
C. 24 hours [CORRECT]
D. 40 hours
Correct Answer: C
Rationale: Florida requires licensed public adjusters to complete 24 hours of approved
continuing education every two years, including 2 hours of ethics training. This ensures
adjusters stay current with evolving laws and industry practices. Options A and B are
below the statutory requirement, while D exceeds it.
Q4: Which of the following individuals is statutorily exempt from public adjuster
licensure requirements when adjusting insurance claims?
A. A licensed property appraiser who negotiates settlements for homeowners
B. A licensed attorney at law representing clients in claim disputes [CORRECT]
, C. A certified public accountant who prepares claim documentation for fees
D. A former insurance company adjuster offering independent consulting services
Correct Answer: B
Rationale: Section 626.860 specifically exempts attorneys at law from public adjuster
licensure requirements when performing legal services. However, attorneys cannot hold
dual roles as both attorney and public adjuster on the same claim without violating
conflict provisions. Options A, C, and D describe activities that would require proper
licensure as they involve negotiating or adjusting claims for compensation.
Q5: Sarah holds a 3-20 Public Adjuster license and wants to expand her practice to
Georgia. Which statement accurately describes her options for adjusting claims in
Georgia?
A. She may adjust claims in Georgia immediately using her Florida 3-20 license
B. She must obtain a Georgia nonresident public adjuster license before adjusting
claims there [CORRECT]
C. Florida and Georgia have automatic reciprocity for public adjusters
D. She may adjust Georgia claims remotely from Florida without additional licensing
Correct Answer: B
2026/2027 | 140 Questions | Public Adjuster License Prep |
Pass Guaranteed - A+ Graded
Part I: Getting Licensed and Staying Compliant
Florida Insurance Regulations & Public Adjuster Licensing (Questions 1–25)
Q1: Maria just passed her 6-20 All-Lines Adjuster exam and wants to become a 3-20
Public Adjuster. According to Florida law, what's the minimum time she must hold her
6-20 license with an active appointment before applying for her 3-20 license?
A. 3 months with continuous appointment
B. 6 months with continuous appointment [CORRECT]
C. 12 months with continuous appointment
D. No waiting period required if she passes the 3-20 exam
Correct Answer: B
Rationale: Florida Statute 626.865 requires applicants to maintain a 6-20 All-Lines
Adjuster license for six months with an active appointment before qualifying for the
3-20 Public Adjuster license. This ensures candidates gain practical claims experience
,before representing policyholders independently. Options A and C state incorrect
timeframes, and D is false because there is a mandatory waiting period regardless of
exam passage.
Q2: James is applying for his 3-20 Public Adjuster license. Which of the following bond
requirements must he satisfy?
A. $25,000 surety bond filed with the Department of Financial Services
B. $50,000 surety bond filed with the Department of Financial Services [CORRECT]
C. $100,000 surety bond filed with the Florida Department of Law Enforcement
D. No bond required if he maintains errors and omissions insurance
Correct Answer: B
Rationale: Section 626.865 mandates that every public adjuster file an original $50,000
surety bond with the Department of Financial Services on a form provided by the
Department. This bond protects consumers against potential misconduct. Option A
states the incorrect amount, C names the wrong filing agency, and D is incorrect
because E&O insurance does not replace the statutory bond requirement.
,Q3: A public adjuster's license is subject to continuing education requirements. Under
Florida law, how many hours of continuing education must a 3-20 licensed public
adjuster complete every two years?
A. 10 hours
B. 20 hours
C. 24 hours [CORRECT]
D. 40 hours
Correct Answer: C
Rationale: Florida requires licensed public adjusters to complete 24 hours of approved
continuing education every two years, including 2 hours of ethics training. This ensures
adjusters stay current with evolving laws and industry practices. Options A and B are
below the statutory requirement, while D exceeds it.
Q4: Which of the following individuals is statutorily exempt from public adjuster
licensure requirements when adjusting insurance claims?
A. A licensed property appraiser who negotiates settlements for homeowners
B. A licensed attorney at law representing clients in claim disputes [CORRECT]
, C. A certified public accountant who prepares claim documentation for fees
D. A former insurance company adjuster offering independent consulting services
Correct Answer: B
Rationale: Section 626.860 specifically exempts attorneys at law from public adjuster
licensure requirements when performing legal services. However, attorneys cannot hold
dual roles as both attorney and public adjuster on the same claim without violating
conflict provisions. Options A, C, and D describe activities that would require proper
licensure as they involve negotiating or adjusting claims for compensation.
Q5: Sarah holds a 3-20 Public Adjuster license and wants to expand her practice to
Georgia. Which statement accurately describes her options for adjusting claims in
Georgia?
A. She may adjust claims in Georgia immediately using her Florida 3-20 license
B. She must obtain a Georgia nonresident public adjuster license before adjusting
claims there [CORRECT]
C. Florida and Georgia have automatic reciprocity for public adjusters
D. She may adjust Georgia claims remotely from Florida without additional licensing
Correct Answer: B
