FLORIDA 6-20 ALL LINES ADJUSTER EXAM REVIEW 2026 |
332 Questions | Florida Statutes & Administrative Code |
Pass Guaranteed - A+ Graded
Section 1: Florida Insurance Regulations & Adjuster Licensing
(Q1-55)
Q1. Under Florida Statute §626.854, what is the primary definition of a "public adjuster"?
A. An adjuster employed by an insurance company to investigate claims
B. An adjuster who represents the financial interests of an insured in a claim
C. An independent adjuster who handles claims for multiple insurers
D. A state employee who audits insurance company practices
B. An adjuster who represents the financial interests of an insured in a claim [CORRECT]
Rationale: Florida Statute §626.854 defines a public adjuster as any person who, for
compensation, acts on behalf of an insured in negotiating for or effecting the settlement
of a claim for loss or damage under any insurance policy. A describes a company/staff
adjuster, C describes an independent adjuster, D is not a recognized adjuster category.
Correct Answer: B
Q2. A Florida 6-20 All Lines Adjuster license authorizes the licensee to adjust claims in
which of the following lines?
A. Property and casualty only
B. Life and health only
C. Property, casualty, surety, and workers' compensation
D. All lines including life and health
,C. Property, casualty, surety, and workers' compensation [CORRECT]
Rationale: The Florida 6-20 All Lines Adjuster license covers property, casualty, surety,
and workers' compensation claims. It does NOT include life and health insurance
adjusting, which requires separate licensing. A is incomplete as it omits surety and
workers' compensation.
Correct Answer: C
Q3. Under Florida Statute §626.112, what is the minimum age requirement to obtain a
Florida adjuster license?
A. 16 years old
B. 18 years old
C. 21 years old
D. 25 years old
B. 18 years old [CORRECT]
Rationale: Florida Statute §626.112 requires that any applicant for an insurance license
must be at least 18 years of age. There is no upper age limit, and the requirement is
consistent across all adjuster license types.
Correct Answer: B
Q4. Under Florida Administrative Code 69B-220.201, how many hours of continuing
education are required for a 6-20 All Lines Adjuster license renewal?
A. 10 hours every 2 years
B. 20 hours every 2 years
C. 24 hours every 2 years
D. 30 hours every 2 years
C. 24 hours every 2 years [CORRECT]
Rationale: Florida Administrative Code 69B-220.201 requires 24 hours of continuing
education every 2 years for 6-20 All Lines Adjuster license renewal, including 5 hours of
law and ethics update. A and B are insufficient, D exceeds the requirement.
Correct Answer: C
,Q5. A licensed Florida 6-20 adjuster moves to Georgia and establishes residency there.
Under Florida Statute §626.171, what is the status of the Florida adjuster license?
A. The license remains active indefinitely
B. The license becomes inactive after 90 days
C. The license must be surrendered or becomes void
D. The license converts to a non-resident license automatically
C. The license must be surrendered or becomes void [CORRECT]
Rationale: Florida Statute §626.171 requires that a resident adjuster license becomes
void if the licensee establishes residency in another state. The licensee must either
surrender the license or convert to a non-resident license by applying through the new
state of residence. A and D are incorrect as the license does not remain active or
convert automatically.
Correct Answer: C
Q6. Under Florida Statute §626.854(6), a public adjuster may not charge a fee
exceeding what percentage of the insurance claim payment?
A. 10%
B. 15%
C. 20%
D. 25%
C. 20% [CORRECT]
Rationale: Florida Statute §626.854(6) limits public adjuster fees to 20% of the
insurance claim payment for claims not arising from a declared state of emergency. For
claims arising from a declared state of emergency, the limit is 10% during the first year
after the declaration. A is the emergency rate, B and D are not statutory limits.
Correct Answer: C
, Q7. Under Florida Statute §626.854(6)(b), what is the maximum fee a public adjuster
may charge for claims arising from a declared state of emergency during the first year
after the declaration?
A. 5%
B. 10%
C. 15%
D. 20%
B. 10% [CORRECT]
Rationale: Florida Statute §626.854(6)(b) specifically limits public adjuster fees to 10%
for claims arising from a declared state of emergency during the first year after the
declaration. This reduced rate protects consumers during vulnerable post-disaster
periods. A is below the statutory limit, C and D exceed it.
Correct Answer: B
Q8. Under Florida Statute §626.854(10), when must a public adjuster provide the
insured with a written contract?
A. Within 24 hours of being hired
B. Before entering into any agreement with the insured
C. Within 48 hours of filing the claim
D. Within 72 hours of the first inspection
B. Before entering into any agreement with the insured [CORRECT]
Rationale: Florida Statute §626.854(10) requires that a public adjuster provide a written
contract to the insured before entering into any agreement. The contract must contain
specific provisions including the scope of services and fee structure. A, C, and D
describe timeframes that are not statutory requirements.
Correct Answer: B
Q9. Under Florida Statute §626.854(10)(a), a public adjuster contract must contain all of
the following EXCEPT:
332 Questions | Florida Statutes & Administrative Code |
Pass Guaranteed - A+ Graded
Section 1: Florida Insurance Regulations & Adjuster Licensing
(Q1-55)
Q1. Under Florida Statute §626.854, what is the primary definition of a "public adjuster"?
A. An adjuster employed by an insurance company to investigate claims
B. An adjuster who represents the financial interests of an insured in a claim
C. An independent adjuster who handles claims for multiple insurers
D. A state employee who audits insurance company practices
B. An adjuster who represents the financial interests of an insured in a claim [CORRECT]
Rationale: Florida Statute §626.854 defines a public adjuster as any person who, for
compensation, acts on behalf of an insured in negotiating for or effecting the settlement
of a claim for loss or damage under any insurance policy. A describes a company/staff
adjuster, C describes an independent adjuster, D is not a recognized adjuster category.
Correct Answer: B
Q2. A Florida 6-20 All Lines Adjuster license authorizes the licensee to adjust claims in
which of the following lines?
A. Property and casualty only
B. Life and health only
C. Property, casualty, surety, and workers' compensation
D. All lines including life and health
,C. Property, casualty, surety, and workers' compensation [CORRECT]
Rationale: The Florida 6-20 All Lines Adjuster license covers property, casualty, surety,
and workers' compensation claims. It does NOT include life and health insurance
adjusting, which requires separate licensing. A is incomplete as it omits surety and
workers' compensation.
Correct Answer: C
Q3. Under Florida Statute §626.112, what is the minimum age requirement to obtain a
Florida adjuster license?
A. 16 years old
B. 18 years old
C. 21 years old
D. 25 years old
B. 18 years old [CORRECT]
Rationale: Florida Statute §626.112 requires that any applicant for an insurance license
must be at least 18 years of age. There is no upper age limit, and the requirement is
consistent across all adjuster license types.
Correct Answer: B
Q4. Under Florida Administrative Code 69B-220.201, how many hours of continuing
education are required for a 6-20 All Lines Adjuster license renewal?
A. 10 hours every 2 years
B. 20 hours every 2 years
C. 24 hours every 2 years
D. 30 hours every 2 years
C. 24 hours every 2 years [CORRECT]
Rationale: Florida Administrative Code 69B-220.201 requires 24 hours of continuing
education every 2 years for 6-20 All Lines Adjuster license renewal, including 5 hours of
law and ethics update. A and B are insufficient, D exceeds the requirement.
Correct Answer: C
,Q5. A licensed Florida 6-20 adjuster moves to Georgia and establishes residency there.
Under Florida Statute §626.171, what is the status of the Florida adjuster license?
A. The license remains active indefinitely
B. The license becomes inactive after 90 days
C. The license must be surrendered or becomes void
D. The license converts to a non-resident license automatically
C. The license must be surrendered or becomes void [CORRECT]
Rationale: Florida Statute §626.171 requires that a resident adjuster license becomes
void if the licensee establishes residency in another state. The licensee must either
surrender the license or convert to a non-resident license by applying through the new
state of residence. A and D are incorrect as the license does not remain active or
convert automatically.
Correct Answer: C
Q6. Under Florida Statute §626.854(6), a public adjuster may not charge a fee
exceeding what percentage of the insurance claim payment?
A. 10%
B. 15%
C. 20%
D. 25%
C. 20% [CORRECT]
Rationale: Florida Statute §626.854(6) limits public adjuster fees to 20% of the
insurance claim payment for claims not arising from a declared state of emergency. For
claims arising from a declared state of emergency, the limit is 10% during the first year
after the declaration. A is the emergency rate, B and D are not statutory limits.
Correct Answer: C
, Q7. Under Florida Statute §626.854(6)(b), what is the maximum fee a public adjuster
may charge for claims arising from a declared state of emergency during the first year
after the declaration?
A. 5%
B. 10%
C. 15%
D. 20%
B. 10% [CORRECT]
Rationale: Florida Statute §626.854(6)(b) specifically limits public adjuster fees to 10%
for claims arising from a declared state of emergency during the first year after the
declaration. This reduced rate protects consumers during vulnerable post-disaster
periods. A is below the statutory limit, C and D exceed it.
Correct Answer: B
Q8. Under Florida Statute §626.854(10), when must a public adjuster provide the
insured with a written contract?
A. Within 24 hours of being hired
B. Before entering into any agreement with the insured
C. Within 48 hours of filing the claim
D. Within 72 hours of the first inspection
B. Before entering into any agreement with the insured [CORRECT]
Rationale: Florida Statute §626.854(10) requires that a public adjuster provide a written
contract to the insured before entering into any agreement. The contract must contain
specific provisions including the scope of services and fee structure. A, C, and D
describe timeframes that are not statutory requirements.
Correct Answer: B
Q9. Under Florida Statute §626.854(10)(a), a public adjuster contract must contain all of
the following EXCEPT:
