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