Florida Claims Adjuster Exam Questions and Answers Updated 2026

Florida Claims
Adjuster Exam
Questions and
Answers Updated
2026
FrankBownedBaBhomeBthatBwasBdestroyedBbyBaBhurricane.BBothBABCBandBXYZBBanksB
wereBlistedBasBadditionalBinterestsBonBhisBhomeownerBpolicy.BTheBinsuranceBcompanyB
willBmakeBaBpaymentBto:B

A.BTheBfirstBmortgagee,BABC

B.BTheBInsured

C.BJointlyBtoBABCBandBXYZ

D.BAllBlistedBinterestsB-BAnswerD.BAllBlistedBinterests

RememberBthatBtheBinsurerBisBnotBresponsibleBtoBknowBtheBdegreesBofBinterest.BInBth
eBeventBofBaBloss,BoneBpaymentBisBmadeBbyBtheBinsurerBandBitBisBupBtoBtheBaddition
alBinterestsBonBworkingBoutBtheirBshare.



InsuranceBappliesBseparatelyBtoBeachBinsuredBasBifBotherBinsuredsBdidBnotBexist.BThisBi
sBdefinedBas:

A.BSeverability

B.BConditional

C.BWarranty

D.BNoneBofBtheBaboveB-BAnswerA.BSeverability

,PropertyBinsuranceBpoliciesBusuallyBcontainBa(n)B__________Bclause,BstatingBtheBinsure
dBcannotBdumpBdamagedBpropertyBonBtheBinsurerBandBdemandBitsBfullBvalue:

A.BProBRata

B.BAbandonment

C.BLiberalization

D.BAllBofBtheBaboveB-BAnswerB.BAbandonment



A(n)B__________BisBoneBwhereinBeconomicBlossBwouldBbeBsufferedBfromBanBadverseB
happeningBtoBtheBsubject:

A.BConditionalBContract

B.BPersonalBContract

C.BEconomicBContract

D.BInsurableBInterestB-BAnswerD.BInsurableBInterest



StatesBthatBifBtheBinsurerBadoptsBaBrevisionBwhichBwouldBbroadenBcoverageBwithoutBa
dditionalBpremiumBwithinBsomeBperiodBofBtimeBpriorBtoBtheBpolicyBperiodBorBduringBt
heBpolicyBperiod,BtheBinsuredBreceivesBtheBbenefitBofBsuchBbroadenedBcoverage.

A.BCancellationBClause

B.BPolicyBPeriod

C.BProBRata

D.BLiberalizationB-BAnswerD.BLiberalization

TheBtimeBframeBisBtypicallyB60Bdays.



TheB__________BstatesBthatBwhenBthereBisBanBunbrokenBconnectionBbetweenBanBoccu
rrenceBandBdamageBthatBgrowsBoutBofBtheBoccurrence,BthenBtheBresultantBdamageBisB
allBaBpartBofBtheBoccurrence.

A.BDoctrineBofBProximateBCause

B.BDoctrineBofBPerilsB&BHazards

C.BInsuranceBPolicyBHandbook

D.BDoctrineBofBPropertyBInsuranceB-BAnswerA.BDoctrineBofBProximateBCause

,ForBexample,BifBaBpropertyBinsuranceBpolicyBcoversBtheBperilBofBfireBbutBfurtherBdama
geBisBcausedBbyBsmoke,BwaterBusedBtoBextinguish,BandBtheBprocessBofBmovingBproper
tyBawayB-BfireBisBconsideredBtoBbeBtheB*proximateBcause*BofBallBofBtheBdamage.



TheBLossBSettlementBValuationBthatBsubtractsBanBallowanceBforBdepreciationBisBdefined
Bas?

A.BActualBCashBValue

B.BReplacementBCost

C.B"OldBforBNew"

D.BNoneBofBtheBAboveB-BAnswerA.BActualBCashBValue



ABpolicyBcondition,BeitherBbasedBonBinformationBinBtheBinsured'sBapplicationBorBinsert
edBbyBtheBinsurer,BisBdefinedBas:

A.BWarranty

B.BMisrepresentation

C.BConcealment

D.BNoneBofBtheBAboveB-BAnswerA.BWarranty



TheBfollowingBareBbasicBcharacteristicsBofBaBpropertyBorBliabilityBinsuranceBcontract,Bex
cept:

A.BPersonalBContract

B.BConditionalBContract

C.BLossBofBSettlementBContract

D.BContractBofBAdhesionB-BAnswerC.BLossBofBSettlementBContract



TheBInsurer'sBresponsibilityBtoBpayBforBaBpropertyBlossBmayBbeBconditionedBonBtheBins
uredBhavingBusedBreasonableBmeansBtoBavoidBtheBloss,BtoBprotectBtheBpropertyBagain
stBfurtherBloss,BandBtoBgiveBtheBinsurerBproofBofBtheBlossBisBdefinedBas?

A.BConditionalBContract

B.BAdhesionBContract

, C.BIndemnityBContract

D.BAllBofBtheBAboveB-BAnswerA.BConditionalBContract

"mayBbeBconditioned"



WhichBofBtheBfollowingBisBnotBoneBofBtheB"Thresholds"BinBtheB"No-Fault"Blaw?

A.BDeathBofBtheBInsured

B.BTemporaryBInjuryBofBtheBInsured

C.BABpermanentBlossBofBaBbodilyBfunction

D.BPermanentBscarringBonBtheBfaceBofBtheBinsuredB-
BAnswerB.BTemporaryBInjuryBofBtheBInsured

AlsoBincluded:BpermanentBinjuryBotherBthanBscarringBandBdisfigurement



UnderBMechanicalBBreakdownBCoverage,BnewBcarsBareBeligibleBforBserviceBupBto:

A.B36BMonths/36,000BMiles

B.B24BMonths/36,000BMiles

C.B12,000BMonths/12,000BMiles

D.B12BMonths/36,000BMilesB-BAnswerA.B36BMonths/36,000BMiles

UsedBvehicles:B12BMonths/12,000BMiles



IfBfinancialBresponsibilityBdoesn'tBexistBatBtheBtimeBofBanBaccident,BwhichBofBtheBfollo
wingBthingsBmustBhappenBtoBavoidBpenalties?

A.BTheBlegallyBvalidBclaimsBofBothersBmustBbeBsatisfiedB(upBtoB10/20/10)

B.BTheBownerBandBoperatorBmustBprovideBcertificationBofBfutureBresponsibilityBforBfutu
reBaccidents

C.BBothBAB&BB

D.BNoneBofBtheBAboveB-BAnswerC.BBothBAB&BB



AsBtoBrequiredBproofBforBfutureBaccidentsBbyBpurchaseBofBautoBliabilityBinsurance,Bthe
BinsurerBmustBmakeBaBfilingB(FormBSR-