Florida Claims Adjuster Exam – 200+ Practice
Questions with Correct Answers and Complete
Study Guide
THIS EXAM INCLUDES:
• Florida Claims Adjuster Exam
• 200+ Practice Questions
• Questions with Correct Answers
• All graded A+
• Complete Study Guide
• Assured pass
,Florida Claims Adjuster Exam
1. Frank owned a home destroyed by a hurricane. Both ABC and XYZ Banks were
listed as additional interests on his homeowner policy. The insurance company
will make a payment to:
• A) The first mortgagee, ABC
• B) The insured
• C) Jointly to ABC and XYZ
• D) All listed interests
2. Insurance applies separately to each insured as if other insureds did not exist.
This is defined as:
• A) Severability
• B) Conditional
• C) Warranty
• D) None of the above
3. Property insurance policies usually contain a clause stating the insured cannot
dump damaged property on the insurer and demand its full value. This is the:
• A) Pro rata clause
• B) Abandonment clause
• C) Liberalization clause
• D) All of the above
4. A(n) _____ is one wherein economic loss would be suffered from an adverse
happening to the subject:
• A) Conditional contract
• B) Personal contract
• C) Economic contract
, • D) Insurable interest
5. The clause that states if the insurer adopts a revision broadening coverage
without additional premium within a period prior to or during the policy period,
the insured receives the benefit of such broadened coverage is called:
• A) Cancellation clause
• B) Policy period
• C) Pro rata
• D) Liberalization
6. The doctrine that states when there is an unbroken connection between an
occurrence and damage that grows out of the occurrence, the resultant damage is
all part of the occurrence is the:
• A) Doctrine of Proximate Cause
• B) Doctrine of Perils & Hazards
• C) Insurance Policy Handbook
• D) Doctrine of Property Insurance
7. The loss settlement valuation that subtracts an allowance for depreciation is
defined as:
• A) Actual Cash Value
• B) Replacement cost
• C) "Old for new"
• D) None of the above
8. A policy condition, either based on information in the insured's application or
inserted by the insurer, is defined as a(n):
• A) Warranty
• B) Misrepresentation
, • C) Concealment
• D) None of the above
9. Which of the following is NOT a basic characteristic of a property or liability
insurance contract?
• A) Personal contract
• B) Conditional contract
• C) Guaranteed contract
• D) Contract of adhesion
10. The insurer's responsibility to pay for a property loss may be conditioned on
the insured having used reasonable means to avoid the loss, protect the property,
and give proof of loss. This defines a(n):
• A) Conditional contract
• B) Adhesion contract
• C) Indemnity contract
• D) All of the above
11. Which of the following is NOT one of the "thresholds" in the No-Fault law?
• A) Death of the insured
• B) Temporary injury of the insured
• C) A permanent loss of a bodily function
• D) Permanent scarring on the face of the insured
12. Under Mechanical Breakdown Coverage, new cars are eligible for service up
to:
• A) *36 months / 36,000 miles*
• B) 24 months / 36,000 miles
Questions with Correct Answers and Complete
Study Guide
THIS EXAM INCLUDES:
• Florida Claims Adjuster Exam
• 200+ Practice Questions
• Questions with Correct Answers
• All graded A+
• Complete Study Guide
• Assured pass
,Florida Claims Adjuster Exam
1. Frank owned a home destroyed by a hurricane. Both ABC and XYZ Banks were
listed as additional interests on his homeowner policy. The insurance company
will make a payment to:
• A) The first mortgagee, ABC
• B) The insured
• C) Jointly to ABC and XYZ
• D) All listed interests
2. Insurance applies separately to each insured as if other insureds did not exist.
This is defined as:
• A) Severability
• B) Conditional
• C) Warranty
• D) None of the above
3. Property insurance policies usually contain a clause stating the insured cannot
dump damaged property on the insurer and demand its full value. This is the:
• A) Pro rata clause
• B) Abandonment clause
• C) Liberalization clause
• D) All of the above
4. A(n) _____ is one wherein economic loss would be suffered from an adverse
happening to the subject:
• A) Conditional contract
• B) Personal contract
• C) Economic contract
, • D) Insurable interest
5. The clause that states if the insurer adopts a revision broadening coverage
without additional premium within a period prior to or during the policy period,
the insured receives the benefit of such broadened coverage is called:
• A) Cancellation clause
• B) Policy period
• C) Pro rata
• D) Liberalization
6. The doctrine that states when there is an unbroken connection between an
occurrence and damage that grows out of the occurrence, the resultant damage is
all part of the occurrence is the:
• A) Doctrine of Proximate Cause
• B) Doctrine of Perils & Hazards
• C) Insurance Policy Handbook
• D) Doctrine of Property Insurance
7. The loss settlement valuation that subtracts an allowance for depreciation is
defined as:
• A) Actual Cash Value
• B) Replacement cost
• C) "Old for new"
• D) None of the above
8. A policy condition, either based on information in the insured's application or
inserted by the insurer, is defined as a(n):
• A) Warranty
• B) Misrepresentation
, • C) Concealment
• D) None of the above
9. Which of the following is NOT a basic characteristic of a property or liability
insurance contract?
• A) Personal contract
• B) Conditional contract
• C) Guaranteed contract
• D) Contract of adhesion
10. The insurer's responsibility to pay for a property loss may be conditioned on
the insured having used reasonable means to avoid the loss, protect the property,
and give proof of loss. This defines a(n):
• A) Conditional contract
• B) Adhesion contract
• C) Indemnity contract
• D) All of the above
11. Which of the following is NOT one of the "thresholds" in the No-Fault law?
• A) Death of the insured
• B) Temporary injury of the insured
• C) A permanent loss of a bodily function
• D) Permanent scarring on the face of the insured
12. Under Mechanical Breakdown Coverage, new cars are eligible for service up
to:
• A) *36 months / 36,000 miles*
• B) 24 months / 36,000 miles
