FLORIDA CLAIMS ADJUSTER EXAM 2026 | 206 Questions
with 100% Correct Answers | Florida Statutes &
Administrative Code | Pass Guaranteed - A+ Graded
Section 1: Adjuster Licensing Requirements & Florida DFS
Regulations (Q1-35)
Q1. Under Florida Statute 626.854, which of the following activities requires a person to
hold a Florida 6-20 All Lines Adjuster license?
A. Investigating property damage claims for a Florida-licensed insurer [CORRECT]
B. Reviewing claims for a self-insured corporation with no insurance policy involved
C. Adjusting workers' compensation claims as an employee of the self-insured employer
D. Investigating claims as a salaried employee of an insurance company working
exclusively in another state
Rationale: Florida Statute 626.854 requires licensure for investigating or adjusting
claims for insurers licensed in Florida. Self-insured corporate employees adjusting their
own claims, salaried out-of-state employees, and certain exempt categories do not
require licensure under Florida law.
Correct Answer: A
Q2. An applicant for a Florida 6-20 All Lines Adjuster license must complete how many
hours of pre-licensing education?
A. 20 hours
B. 30 hours
C. 40 hours [CORRECT]
,D. 60 hours
Rationale: Florida Administrative Code 69B-220.051 requires 40 hours of pre-licensing
education for the 6-20 All Lines Adjuster license. 20 hours applies to limited lines; 30
and 60 hours are not standard Florida adjuster pre-licensing requirements.
Correct Answer: C
Q3. Under Florida Statute 626.112, which of the following persons is EXEMPT from
adjuster licensing requirements?
A. An independent adjuster who adjusts claims for multiple insurers
B. A public adjuster representing policyholders
C. An attorney-in-fact adjusting claims for a reciprocal insurer
D. A salaried employee of an insurer adjusting claims solely for that insurer [CORRECT]
Rationale: Florida Statute 626.112 exempts salaried employees of insurers who adjust
claims solely for their employer from adjuster licensing. Independent adjusters, public
adjusters, and attorneys-in-fact are not exempt under this provision.
Correct Answer: D
Q4. A Florida 6-20 All Lines Adjuster license must be renewed every:
A. One year
B. Two years [CORRECT]
C. Three years
D. Four years
Rationale: Florida adjuster licenses expire biennially on the last day of the licensee's
birth month. The renewal period is two years, requiring completion of continuing
education requirements before expiration.
Correct Answer: B
,Q5. Under Florida Administrative Code 69B-220.201, how many hours of continuing
education are required for adjuster license renewal?
A. 10 hours
B. 15 hours
C. 24 hours [CORRECT]
D. 30 hours
Rationale: Florida Administrative Code 69B-220.201 requires 24 hours of continuing
education during each biennial renewal period for adjuster licenses, including 5 hours of
law and ethics update and 19 hours of elective coursework.
Correct Answer: C
Q6. An emergency adjuster permit issued under Florida Statute 626.8743 is valid for a
maximum of:
A. 30 days
B. 60 days
C. 90 days [CORRECT]
D. 180 days
Rationale: Emergency adjuster permits under Florida Statute 626.8743 are valid for up
to 90 days and may be extended by the Department of Financial Services in the event of
a continuing emergency such as a hurricane or declared state of emergency.
Correct Answer: C
Q7. Under Florida Statute 626.854(6), an adjuster who violates licensing provisions may
be subject to administrative penalties including:
A. Only a written warning
B. Fines up to $1,000 per violation and license suspension or revocation [CORRECT]
C. Fines up to $500 only with no license action
D. Criminal prosecution only with no administrative penalties
, Rationale: Florida Statute 626.854(6) authorizes the Department of Financial Services to
impose fines up to $1,000 per violation, suspend, or revoke adjuster licenses for
violations. Administrative and criminal penalties may both apply depending on the
violation severity.
Correct Answer: B
Q8. A Florida-licensed adjuster must report any administrative action taken against their
license in another state within:
A. 10 days
B. 30 days [CORRECT]
C. 60 days
D. 90 days
Rationale: Florida Administrative Code 69B-220.051 requires licensees to report any
administrative action taken against their license in another jurisdiction within 30 days.
Failure to report may result in disciplinary action by the Florida Department of Financial
Services.
Correct Answer: B
Q9. Under Florida Statute 626.112(8), which of the following constitutes acting as an
adjuster without a license?
A. A licensed attorney representing a client in a claim dispute
B. A licensed public adjuster representing a policyholder
C. An unlicensed person who advertises services as a claims consultant and negotiates
settlements with insurers [CORRECT]
D. A licensed insurance agent explaining policy coverage to a policyholder
Rationale: Acting as an adjuster without licensure includes advertising claims
adjustment services and negotiating settlements with insurers. Licensed attorneys,
public adjusters, and insurance agents acting within their scope of authority are not
engaged in unlicensed adjusting.
Correct Answer: C
with 100% Correct Answers | Florida Statutes &
Administrative Code | Pass Guaranteed - A+ Graded
Section 1: Adjuster Licensing Requirements & Florida DFS
Regulations (Q1-35)
Q1. Under Florida Statute 626.854, which of the following activities requires a person to
hold a Florida 6-20 All Lines Adjuster license?
A. Investigating property damage claims for a Florida-licensed insurer [CORRECT]
B. Reviewing claims for a self-insured corporation with no insurance policy involved
C. Adjusting workers' compensation claims as an employee of the self-insured employer
D. Investigating claims as a salaried employee of an insurance company working
exclusively in another state
Rationale: Florida Statute 626.854 requires licensure for investigating or adjusting
claims for insurers licensed in Florida. Self-insured corporate employees adjusting their
own claims, salaried out-of-state employees, and certain exempt categories do not
require licensure under Florida law.
Correct Answer: A
Q2. An applicant for a Florida 6-20 All Lines Adjuster license must complete how many
hours of pre-licensing education?
A. 20 hours
B. 30 hours
C. 40 hours [CORRECT]
,D. 60 hours
Rationale: Florida Administrative Code 69B-220.051 requires 40 hours of pre-licensing
education for the 6-20 All Lines Adjuster license. 20 hours applies to limited lines; 30
and 60 hours are not standard Florida adjuster pre-licensing requirements.
Correct Answer: C
Q3. Under Florida Statute 626.112, which of the following persons is EXEMPT from
adjuster licensing requirements?
A. An independent adjuster who adjusts claims for multiple insurers
B. A public adjuster representing policyholders
C. An attorney-in-fact adjusting claims for a reciprocal insurer
D. A salaried employee of an insurer adjusting claims solely for that insurer [CORRECT]
Rationale: Florida Statute 626.112 exempts salaried employees of insurers who adjust
claims solely for their employer from adjuster licensing. Independent adjusters, public
adjusters, and attorneys-in-fact are not exempt under this provision.
Correct Answer: D
Q4. A Florida 6-20 All Lines Adjuster license must be renewed every:
A. One year
B. Two years [CORRECT]
C. Three years
D. Four years
Rationale: Florida adjuster licenses expire biennially on the last day of the licensee's
birth month. The renewal period is two years, requiring completion of continuing
education requirements before expiration.
Correct Answer: B
,Q5. Under Florida Administrative Code 69B-220.201, how many hours of continuing
education are required for adjuster license renewal?
A. 10 hours
B. 15 hours
C. 24 hours [CORRECT]
D. 30 hours
Rationale: Florida Administrative Code 69B-220.201 requires 24 hours of continuing
education during each biennial renewal period for adjuster licenses, including 5 hours of
law and ethics update and 19 hours of elective coursework.
Correct Answer: C
Q6. An emergency adjuster permit issued under Florida Statute 626.8743 is valid for a
maximum of:
A. 30 days
B. 60 days
C. 90 days [CORRECT]
D. 180 days
Rationale: Emergency adjuster permits under Florida Statute 626.8743 are valid for up
to 90 days and may be extended by the Department of Financial Services in the event of
a continuing emergency such as a hurricane or declared state of emergency.
Correct Answer: C
Q7. Under Florida Statute 626.854(6), an adjuster who violates licensing provisions may
be subject to administrative penalties including:
A. Only a written warning
B. Fines up to $1,000 per violation and license suspension or revocation [CORRECT]
C. Fines up to $500 only with no license action
D. Criminal prosecution only with no administrative penalties
, Rationale: Florida Statute 626.854(6) authorizes the Department of Financial Services to
impose fines up to $1,000 per violation, suspend, or revoke adjuster licenses for
violations. Administrative and criminal penalties may both apply depending on the
violation severity.
Correct Answer: B
Q8. A Florida-licensed adjuster must report any administrative action taken against their
license in another state within:
A. 10 days
B. 30 days [CORRECT]
C. 60 days
D. 90 days
Rationale: Florida Administrative Code 69B-220.051 requires licensees to report any
administrative action taken against their license in another jurisdiction within 30 days.
Failure to report may result in disciplinary action by the Florida Department of Financial
Services.
Correct Answer: B
Q9. Under Florida Statute 626.112(8), which of the following constitutes acting as an
adjuster without a license?
A. A licensed attorney representing a client in a claim dispute
B. A licensed public adjuster representing a policyholder
C. An unlicensed person who advertises services as a claims consultant and negotiates
settlements with insurers [CORRECT]
D. A licensed insurance agent explaining policy coverage to a policyholder
Rationale: Acting as an adjuster without licensure includes advertising claims
adjustment services and negotiating settlements with insurers. Licensed attorneys,
public adjusters, and insurance agents acting within their scope of authority are not
engaged in unlicensed adjusting.
Correct Answer: C
