Florida 3-20 Public Adjuster Exam Outlines questions and
answers 2026\2027 A+ Grade
There are several important statutory requirements pertaining to contracts made by public adjusters:
- correct answer Must state the type of claim, including an emergency claim, non-emergency claim or
supplemental claim.
Requires the signatures of all named insureds.
If the signatures of all named insureds are not available, the public adjuster must submit an affidavit
signed by the available named insureds attesting that they have authority to enter into the contract and
settle all claim issues on behalf of the named insureds.
An unaltered copy of the contract must be remitted to the insurer within 30 days after execution. This
means the contract provided to the insurer must also contain the agreed upon fee percentage.
True or False: Both mediation and sinkhole neutral evaluation are non-binding. Neither the insured nor
the insurance company is legally obligated to accept the outcome of the mediation conference.
- correct answer True
The ______________ is intended for use by parties who are beginning the process of filing suit against
an insurer, when a party feels they have been damaged by specific acts of the insurer. The Notice is
intended to meet a portion of legal requirements set forth in Section 624.155, Florida Statutes, which
requires a party to file Notice with both the insurer and the Department of Financial Services (DFS) at
least 60 days prior to bringing an action against the insurer. The DFS does not involve itself in the pre-
suit negotiations or communications related to Notices as such actions are not within the scope of its
statutory authority.
- correct answer Civil Remedies Notice
Mediation Statute 627.7015
- correct answer The department shall adopt by rule a property insurance mediation program to be
administered by the department or its designee. The department may also adopt special rules which are
applicable in cases of an emergency within the state. The rules shall be modeled after practices and
procedures set forth in mediation rules of procedure adopted by the Supreme Court. The rules shall
provide for:(a) Reasonable requirement for processing and scheduling of requests for mediation.(b)
Qualifications, denial of application, suspension, revocation of approval, and other penalties for
mediators as provided in s. 627.745 and the Florida Rules for Certified and Court-Appointed
,Mediators.(c) Provisions governing who may attend mediation conferences.(d) Selection of
mediators.(e) Criteria for the conduct of mediation conferences.(f) Right to legal counsel.
(5) All statements made and documents produced at a mediation conference shall be deemed to be
settlement negotiations in anticipation of litigation within the scope of s. 90.408. All parties to the
mediation must negotiate in good faith and must have the authority to immediately settle the claim.
Mediators are deemed to be agents of the department and shall have the immunity from suit provided
in s. 44.107.
(6)(a) Mediation is nonbinding; however, if a written settlement is reached, the policyholder has 3
business days within which the policyholder may rescind the settlement unless the policyholder has
cashed or deposited any check or draft disbursed to the policyholder for the disputed matters as a result
of the conference. If a settlement agreement is reached and is not rescinded, it is binding and acts as a
release of all specific claims that were presented in that mediation conference.
(b) At the conclusion of the mediation, the mediator shall provide a written report of the re
Code of ethics (FAC 69B-220.201)
- correct answer The work of adjusting insurance claims engages the public trust. An adjuster shall put
the duty for fair and honest treatment of the claimant above the adjuster's own interests in every
instance. ... (b) An adjuster shall treat all claimants equally.
Florida Insurance Guaranty Association
- correct answer establishes and maintains a service-oriented operation for processing covered claims of
insolvent members. FIGA is a nonprofit corporation created by the Florida Legislature in 1970. FIGA
services pending claims by or against Florida policyholders of member insurance companies which
become insolvent and are ordered liquidated.
The Residential Property and Casualty Joint Underwriting Association originally created by this statute
shall be known as the Citizens Property Insurance Corporation
- correct answer The corporation shall provide insurance for residential and commercial property, for
applicants who are entitled, but, in good faith, are unable to procure insurance through the voluntary
market.
Business auto coverage form Section 3 Physical Damage Coverage
- correct answer We will pay for "loss" to a covered "auto" or its equipment under:
a. Comprehensive Coverage From any cause except: (1) The covered "auto's" collision with another
object; or (2) The covered "auto's" overturn.
, b. Specified Causes Of Loss Coverage Caused by: (1) Fire, lightning or explosion; (2) Theft; (3)
Windstorm, hail or earthquake; (4) Flood; (5) Mischief or vandalism; or (6) The sinking, burning, collision
or derailment of any conveyance transporting the covered "auto".
c. Collision Coverage Caused by: (1) The covered "auto's" collision with another object; or (2) The
covered "auto's" overturn.
Part D - Coverage for damage to your auto
- correct answer the insurance company agrees to pay an amount in excess of your deductible for direct
and accidental loss to your covered car or any other car specified in the agreement. Thus, it pays for
damage or theft to your car.
627.70131 Insurer's duty to acknowledge communications regarding claims; investigation.
- correct answer (1) Upon an insurer's receiving a communication with respect to a claim, the insurer
shall, within 14 calendar days, review and acknowledge receipt of such communication unless payment
is made within that period of time or unless the failure to acknowledge is caused by factors beyond the
control of the insurer which reasonably prevent such acknowledgment. If the acknowledgment is not in
writing, a notification indicating acknowledgment shall be made in the insurer's claim file and dated. A
communication made to or by an agent of an insurer with respect to a claim shall constitute
communication to or by the insurer.
(2) Such acknowledgment shall be responsive to the communication. If the communication constitutes a
notification of a claim, unless the acknowledgment reasonably advises the claimant that the claim
appears not to be covered by the insurer, the acknowledgment shall provide necessary claim forms, and
instructions, including an appropriate telephone number.
(3) Unless otherwise provided by the policy of insurance or by law, within 10 working days after an
insurer receives proof of loss statements, the insurer shall begin such investigation as is reasonably
necessary unless the failure to begin such investigation is caused by factors beyond the control of the
insurer which reasonably prevent the commencement of such investigation.
(4) For purposes of this section, the term "insurer" means any residential property insurer.
(5)(a) Within 90 days after an insurer receives notice of an initial, reopened, or supplemental property
insurance claim from a policyholder, the insurer shall pay or deny such claim or a portion of the claim
unless the failure to pay is caused by factors beyond the control of the insurer which reasonably prevent
such payment. Any payment of an initial or supplemental claim or portion of such
Valuation of Mobile/Manufactured Homes
- correct answer If the manufactured home's homeowners' policy has a value on it, and you're in a
valued policy state, the insurance company will pay up to the limit listed on the policy if the home is
deemed a total loss.
answers 2026\2027 A+ Grade
There are several important statutory requirements pertaining to contracts made by public adjusters:
- correct answer Must state the type of claim, including an emergency claim, non-emergency claim or
supplemental claim.
Requires the signatures of all named insureds.
If the signatures of all named insureds are not available, the public adjuster must submit an affidavit
signed by the available named insureds attesting that they have authority to enter into the contract and
settle all claim issues on behalf of the named insureds.
An unaltered copy of the contract must be remitted to the insurer within 30 days after execution. This
means the contract provided to the insurer must also contain the agreed upon fee percentage.
True or False: Both mediation and sinkhole neutral evaluation are non-binding. Neither the insured nor
the insurance company is legally obligated to accept the outcome of the mediation conference.
- correct answer True
The ______________ is intended for use by parties who are beginning the process of filing suit against
an insurer, when a party feels they have been damaged by specific acts of the insurer. The Notice is
intended to meet a portion of legal requirements set forth in Section 624.155, Florida Statutes, which
requires a party to file Notice with both the insurer and the Department of Financial Services (DFS) at
least 60 days prior to bringing an action against the insurer. The DFS does not involve itself in the pre-
suit negotiations or communications related to Notices as such actions are not within the scope of its
statutory authority.
- correct answer Civil Remedies Notice
Mediation Statute 627.7015
- correct answer The department shall adopt by rule a property insurance mediation program to be
administered by the department or its designee. The department may also adopt special rules which are
applicable in cases of an emergency within the state. The rules shall be modeled after practices and
procedures set forth in mediation rules of procedure adopted by the Supreme Court. The rules shall
provide for:(a) Reasonable requirement for processing and scheduling of requests for mediation.(b)
Qualifications, denial of application, suspension, revocation of approval, and other penalties for
mediators as provided in s. 627.745 and the Florida Rules for Certified and Court-Appointed
,Mediators.(c) Provisions governing who may attend mediation conferences.(d) Selection of
mediators.(e) Criteria for the conduct of mediation conferences.(f) Right to legal counsel.
(5) All statements made and documents produced at a mediation conference shall be deemed to be
settlement negotiations in anticipation of litigation within the scope of s. 90.408. All parties to the
mediation must negotiate in good faith and must have the authority to immediately settle the claim.
Mediators are deemed to be agents of the department and shall have the immunity from suit provided
in s. 44.107.
(6)(a) Mediation is nonbinding; however, if a written settlement is reached, the policyholder has 3
business days within which the policyholder may rescind the settlement unless the policyholder has
cashed or deposited any check or draft disbursed to the policyholder for the disputed matters as a result
of the conference. If a settlement agreement is reached and is not rescinded, it is binding and acts as a
release of all specific claims that were presented in that mediation conference.
(b) At the conclusion of the mediation, the mediator shall provide a written report of the re
Code of ethics (FAC 69B-220.201)
- correct answer The work of adjusting insurance claims engages the public trust. An adjuster shall put
the duty for fair and honest treatment of the claimant above the adjuster's own interests in every
instance. ... (b) An adjuster shall treat all claimants equally.
Florida Insurance Guaranty Association
- correct answer establishes and maintains a service-oriented operation for processing covered claims of
insolvent members. FIGA is a nonprofit corporation created by the Florida Legislature in 1970. FIGA
services pending claims by or against Florida policyholders of member insurance companies which
become insolvent and are ordered liquidated.
The Residential Property and Casualty Joint Underwriting Association originally created by this statute
shall be known as the Citizens Property Insurance Corporation
- correct answer The corporation shall provide insurance for residential and commercial property, for
applicants who are entitled, but, in good faith, are unable to procure insurance through the voluntary
market.
Business auto coverage form Section 3 Physical Damage Coverage
- correct answer We will pay for "loss" to a covered "auto" or its equipment under:
a. Comprehensive Coverage From any cause except: (1) The covered "auto's" collision with another
object; or (2) The covered "auto's" overturn.
, b. Specified Causes Of Loss Coverage Caused by: (1) Fire, lightning or explosion; (2) Theft; (3)
Windstorm, hail or earthquake; (4) Flood; (5) Mischief or vandalism; or (6) The sinking, burning, collision
or derailment of any conveyance transporting the covered "auto".
c. Collision Coverage Caused by: (1) The covered "auto's" collision with another object; or (2) The
covered "auto's" overturn.
Part D - Coverage for damage to your auto
- correct answer the insurance company agrees to pay an amount in excess of your deductible for direct
and accidental loss to your covered car or any other car specified in the agreement. Thus, it pays for
damage or theft to your car.
627.70131 Insurer's duty to acknowledge communications regarding claims; investigation.
- correct answer (1) Upon an insurer's receiving a communication with respect to a claim, the insurer
shall, within 14 calendar days, review and acknowledge receipt of such communication unless payment
is made within that period of time or unless the failure to acknowledge is caused by factors beyond the
control of the insurer which reasonably prevent such acknowledgment. If the acknowledgment is not in
writing, a notification indicating acknowledgment shall be made in the insurer's claim file and dated. A
communication made to or by an agent of an insurer with respect to a claim shall constitute
communication to or by the insurer.
(2) Such acknowledgment shall be responsive to the communication. If the communication constitutes a
notification of a claim, unless the acknowledgment reasonably advises the claimant that the claim
appears not to be covered by the insurer, the acknowledgment shall provide necessary claim forms, and
instructions, including an appropriate telephone number.
(3) Unless otherwise provided by the policy of insurance or by law, within 10 working days after an
insurer receives proof of loss statements, the insurer shall begin such investigation as is reasonably
necessary unless the failure to begin such investigation is caused by factors beyond the control of the
insurer which reasonably prevent the commencement of such investigation.
(4) For purposes of this section, the term "insurer" means any residential property insurer.
(5)(a) Within 90 days after an insurer receives notice of an initial, reopened, or supplemental property
insurance claim from a policyholder, the insurer shall pay or deny such claim or a portion of the claim
unless the failure to pay is caused by factors beyond the control of the insurer which reasonably prevent
such payment. Any payment of an initial or supplemental claim or portion of such
Valuation of Mobile/Manufactured Homes
- correct answer If the manufactured home's homeowners' policy has a value on it, and you're in a
valued policy state, the insurance company will pay up to the limit listed on the policy if the home is
deemed a total loss.
