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Test Bank For Florida Test Study Guide - Public
Adjusting 3-20 (Set 1), Florida 3-20
Public Adjuster Exam Outlines, Florida 3-20
Public Adjusters State Exam (Set 1) Graded
A+ 2025-2026 Update
A residual market to alleviate the temporary unavailability of property insurance coverage in
significant portions of Florida (e.g. homeowners face non-renewal or cancellations) - CORRECT
ANSWER>>Residential Property & Casualty Joint Underwriting Association for property owners
Those who are eligible for coverage under the Florida Automobile Joint Underwriting
Association are? - CORRECT ANSWER>>Military Personnel
A non-resident owning an automobile in Florida
A non-resident subject to Florida no-fault law
A forcible entry into locked premises and the carrying away of the property of others is a
definition of: - CORRECT ANSWER>>Burglary
The inland marine coverage form that covers clothing, cameras and other portable property
worn and carried by tourists and travelers is a: - CORRECT ANSWER>>Personal effects floater
What does the property insurance term "improvements and betterment" apply to? - CORRECT
ANSWER>>Real Property
The penalty imposed upon a Florida licensee who violates a cease and desists order issued by
the CFO: - CORRECT ANSWER>>$50,000 Fine
What is amount is personal property used for business purposes, under a Homeowners policy
covered up to - CORRECT ANSWER>>up to $2500 on premises up to $1500 off premises
If a replacement costs exists, but the insured has a policy for only 50% of the replacement cost,
what percentage will the insured received for the loss? - CORRECT ANSWER>>50% of the
settlement amount
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A statement that is believed to be true when made, which my prove to be false. - CORRECT
ANSWER>>Representation
A statement that is guaranteed to be correct: - CORRECT ANSWER>>Warranty
When can an insured cancel his/her policy? - CORRECT ANSWER>>At any time.
In Florida, how many days in advance of a premium due date must an auto insurer provide
notice of renewal to an insured? - CORRECT ANSWER>>30 days written notice
What deductibles are subject to any aircraft physical damages that differ according to
circumstances surrounding a given loss? - CORRECT ANSWER>>In-flight Ded (greatest amount)
Not-in-Motion (least amount)
They apply independently based on the actual loss
Uninsured Motorist's Coverage form, the insured can request: - CORRECT
ANSWER>>Nonstacked Coverage
Stacked Coverage
UM coverage at the limits lower than those that apply for liability coverage
If a mortgage is acknowledged in the policy and the insured concealed the fact that a hazard
exists to the insurance company, would the mortgage have a right to recover its full loan value?
- CORRECT ANSWER>>Yes
Under Florida Comparative Negligence law how much would one be able to recover if they were
found 25% at fault? - CORRECT ANSWER>>75% (the difference)
If a claimant is under the influence of drugs and/or alcohol and is found to be 50% or more at
fault, how much can they recover? - CORRECT ANSWER>>$0.00
A commercial property coverage part includes: - CORRECT ANSWER>>Common policy
conditions
Commercial property declarations
One or more causes of loss forms
When an insurance adjuster advises an insured to misrepresent the claim by suggesting how to
report a claim, the adjuster should be charged with: - CORRECT ANSWER>>Unfair Claims Act
The "outside premises" policy insuring agreement covers: - CORRECT ANSWER>>Loss of money
and securities and other property outside the premises.
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The insurer cannot prevent a public adjuster from meeting with their client after: - CORRECT
ANSWER>>the insurer has been notified of the existence of a contract
DP-1 is basic Dwelling Coverage. What is the only water damaged covered under this form? -
CORRECT ANSWER>>Damage caused by water used to extinguish a fire
In Florida, any policy that contains a separate hurricane deductible must include: - CORRECT
ANSWER>>the actual dollar value, bold print and notice of high-out-of pocket expense to you
Coverages included under a commercial packaged policy (CPP): - CORRECT ANSWER>>Farm
Coverage
Commercial Crime Coverage
Commercial GL
Commercial Property
Commercial Auto
Commercial Inland Marine
Boiler and Machinery
Professional Liability
Employment Practices
If an insured fails to comply with the immediate notice of claim requirements, what could
happen? - CORRECT ANSWER>>The coverage could be denied
What coverage of the garage policy will pay for physical damage to a garage customer's auto
regardless of legal liability? - CORRECT ANSWER>>Garage Keepers Direct Coverage
Endorsement
The purpose of the Florida Citizens Property Insurance Corporation is: - CORRECT ANSWER>>to
provide coverage on dwelling and homeowner risks that are unable to obtain coverage in the
standard markets using standard property insurance forms.
If a property is eligible, what endorsement can Flood coverage be purchased under the
Commercial Property Policy? - CORRECT ANSWER>>CP 10 65
If flood coverage CP 10 65 exists along with NFIP, which coverage is considered excess? -
CORRECT ANSWER>>CP 10 65
Test Bank For Florida Test Study Guide - Public
Adjusting 3-20 (Set 1), Florida 3-20
Public Adjuster Exam Outlines, Florida 3-20
Public Adjusters State Exam (Set 1) Graded
A+ 2025-2026 Update
A residual market to alleviate the temporary unavailability of property insurance coverage in
significant portions of Florida (e.g. homeowners face non-renewal or cancellations) - CORRECT
ANSWER>>Residential Property & Casualty Joint Underwriting Association for property owners
Those who are eligible for coverage under the Florida Automobile Joint Underwriting
Association are? - CORRECT ANSWER>>Military Personnel
A non-resident owning an automobile in Florida
A non-resident subject to Florida no-fault law
A forcible entry into locked premises and the carrying away of the property of others is a
definition of: - CORRECT ANSWER>>Burglary
The inland marine coverage form that covers clothing, cameras and other portable property
worn and carried by tourists and travelers is a: - CORRECT ANSWER>>Personal effects floater
What does the property insurance term "improvements and betterment" apply to? - CORRECT
ANSWER>>Real Property
The penalty imposed upon a Florida licensee who violates a cease and desists order issued by
the CFO: - CORRECT ANSWER>>$50,000 Fine
What is amount is personal property used for business purposes, under a Homeowners policy
covered up to - CORRECT ANSWER>>up to $2500 on premises up to $1500 off premises
If a replacement costs exists, but the insured has a policy for only 50% of the replacement cost,
what percentage will the insured received for the loss? - CORRECT ANSWER>>50% of the
settlement amount
,2
A statement that is believed to be true when made, which my prove to be false. - CORRECT
ANSWER>>Representation
A statement that is guaranteed to be correct: - CORRECT ANSWER>>Warranty
When can an insured cancel his/her policy? - CORRECT ANSWER>>At any time.
In Florida, how many days in advance of a premium due date must an auto insurer provide
notice of renewal to an insured? - CORRECT ANSWER>>30 days written notice
What deductibles are subject to any aircraft physical damages that differ according to
circumstances surrounding a given loss? - CORRECT ANSWER>>In-flight Ded (greatest amount)
Not-in-Motion (least amount)
They apply independently based on the actual loss
Uninsured Motorist's Coverage form, the insured can request: - CORRECT
ANSWER>>Nonstacked Coverage
Stacked Coverage
UM coverage at the limits lower than those that apply for liability coverage
If a mortgage is acknowledged in the policy and the insured concealed the fact that a hazard
exists to the insurance company, would the mortgage have a right to recover its full loan value?
- CORRECT ANSWER>>Yes
Under Florida Comparative Negligence law how much would one be able to recover if they were
found 25% at fault? - CORRECT ANSWER>>75% (the difference)
If a claimant is under the influence of drugs and/or alcohol and is found to be 50% or more at
fault, how much can they recover? - CORRECT ANSWER>>$0.00
A commercial property coverage part includes: - CORRECT ANSWER>>Common policy
conditions
Commercial property declarations
One or more causes of loss forms
When an insurance adjuster advises an insured to misrepresent the claim by suggesting how to
report a claim, the adjuster should be charged with: - CORRECT ANSWER>>Unfair Claims Act
The "outside premises" policy insuring agreement covers: - CORRECT ANSWER>>Loss of money
and securities and other property outside the premises.
, 3
The insurer cannot prevent a public adjuster from meeting with their client after: - CORRECT
ANSWER>>the insurer has been notified of the existence of a contract
DP-1 is basic Dwelling Coverage. What is the only water damaged covered under this form? -
CORRECT ANSWER>>Damage caused by water used to extinguish a fire
In Florida, any policy that contains a separate hurricane deductible must include: - CORRECT
ANSWER>>the actual dollar value, bold print and notice of high-out-of pocket expense to you
Coverages included under a commercial packaged policy (CPP): - CORRECT ANSWER>>Farm
Coverage
Commercial Crime Coverage
Commercial GL
Commercial Property
Commercial Auto
Commercial Inland Marine
Boiler and Machinery
Professional Liability
Employment Practices
If an insured fails to comply with the immediate notice of claim requirements, what could
happen? - CORRECT ANSWER>>The coverage could be denied
What coverage of the garage policy will pay for physical damage to a garage customer's auto
regardless of legal liability? - CORRECT ANSWER>>Garage Keepers Direct Coverage
Endorsement
The purpose of the Florida Citizens Property Insurance Corporation is: - CORRECT ANSWER>>to
provide coverage on dwelling and homeowner risks that are unable to obtain coverage in the
standard markets using standard property insurance forms.
If a property is eligible, what endorsement can Flood coverage be purchased under the
Commercial Property Policy? - CORRECT ANSWER>>CP 10 65
If flood coverage CP 10 65 exists along with NFIP, which coverage is considered excess? -
CORRECT ANSWER>>CP 10 65
