Florida Claims Adjuster EXAM LATEST 2026-2027
200 QUESTIONS AND 100% Verified ANSWERS
While selling an Automobile policy to a customer, an agent tells them that they are also required to purchase an
Emergency Road Service Plan, even though that is not true. This is an example of:
A. Misrepresentation
B. Lack of Fitness
C. Deception
D. Sliding - answer>>D. Sliding
A licensed General Lines Claim Adjuster is required to complete how many hours of continuing education every
two years?
A. 6
B. 12
C. 18
D. 24 - answer>>D. 24
Once a Customer Representative 4-40 has been licensed and appointed for at least 3 years, he or she may transact
insurance in the home of an existing customer.
A. True
B. False - answer>>B. False
After pleading guilty or no contest to a felony, a licensed individual has _________ days to inform the
Department?
A. 10
B. 20
C. 30
D. 40 - answer>>C. 30
Must be licensed, appointed by a General Lines Agent and can transact AUTO insurance only in the Office Only.
A. Customer Representative 4-40
,B. Limited Customer Representative 4-42
C. General Lines Claim Adjuster 6-20
D. General Lines Agent 2-20 - answer>>B. Limited Customer Representative 4-42
Defaming a competitor company or agent is not only unprofessional, it can also result in a license suspension.
A. True
B. False - answer>>A. True
A General Lines Claim Adjuster is required to obtain the same number of Continuing Education hours as a licensed
Customer Service Representative.
A. True
B. False - answer>>B. False
An Insurance Company which is formed under the laws of the State of Illinois, and has its Home Office there, is
considered a:
A. US Domestic Company
B. Foreign Company
C. Alien Company
D. Unadmitted Company - answer>>B. Foreign Company
Domestic: this state (FL)
Foreign: other state (still in US)
Alien: elsewhere
One who is involved in the investigation, adjustment, negotiation and/or trial preparations of claims arising under
insurance policies is defined as:
A. Insurance Agent
B. General Lines Agent
C. Claims Adjuster
D. All of the Above - answer>>C. Claims Adjuster
Commonly referred to as claims auditor
,Establishing a dollar value on a claim is defined as:
A. Negotiation
B. Evaluation
C. Adjusting
D. None of the Above - answer>>B. Evaluation
For bodily injury and uninsured motorist claims, a settlement range will be set rather than a single dollar amount
Damaged property that may be retrieved, reconditioned and sold to reduce an insured loss is defined as:
A. Junk
B. Salvage
C. Covered Property
D. Peril - answer>>B. Salvage
Efficient disposal of salvage reduces amount of loss to either insured or insurer
The voluntary or intentional relinquishment of a known right is defined as a(n):
A. Waiver
B. Estoppel
C. Avoidance of Performance
D. None of the Above - answer>>A. Waiver
The law recognizes two types: express and implied.
The principle of utmost good faith on which an insurance contract is based places serious responsibilities on the
claims adjuster in regards to:
A. Conduct
B. Work Habits
C. Claim Handling Activites
D. All of the Above - answer>>D. All of the Above
The adjusters basic activities in claims handling are:
, A. Investigation
B. Evaluation
C. Negotiation
D. All of the Above - answer>>D. All of the Above
Investigation - establish coverage, determine liability, verify damages qualify
Evaluation - determine fair payment in accordance with contract and law Negotiation
- settlement based on facts discovered during evaluation
Under the Florida Unfair Insurance Trade Practices Act, penalties are provided for misrepresentation of business
practices, which include all of the following except:
A. Failing to act promptly
B. Failure to explain claim denials in writing
C. Denying claims with reasonable investigation
D. Failure to maintain complaint handling procedures - answer>>C. Denying claims with reasonable investigation
An adjuster who represents the financial interests of the insured named in the policy is defined as a(n):
A. Public Adjuster
B. Bureau Adjuster
C. Fee Adjuster
D. Independent Adjuster - answer>>A. Public Adjuster
When investigating liability insurance claims, which of the following three major elements are determined:
A. Coverage
B. Liability
C. Damages
D. All of the Above - answer>>D. All of the Above
A relationship that requires maintenance of a high degree of fidelity and loyalty to the interests of the principal,
whether or not the adjuster is a direct employee is defined as:
A. Fiduciary
200 QUESTIONS AND 100% Verified ANSWERS
While selling an Automobile policy to a customer, an agent tells them that they are also required to purchase an
Emergency Road Service Plan, even though that is not true. This is an example of:
A. Misrepresentation
B. Lack of Fitness
C. Deception
D. Sliding - answer>>D. Sliding
A licensed General Lines Claim Adjuster is required to complete how many hours of continuing education every
two years?
A. 6
B. 12
C. 18
D. 24 - answer>>D. 24
Once a Customer Representative 4-40 has been licensed and appointed for at least 3 years, he or she may transact
insurance in the home of an existing customer.
A. True
B. False - answer>>B. False
After pleading guilty or no contest to a felony, a licensed individual has _________ days to inform the
Department?
A. 10
B. 20
C. 30
D. 40 - answer>>C. 30
Must be licensed, appointed by a General Lines Agent and can transact AUTO insurance only in the Office Only.
A. Customer Representative 4-40
,B. Limited Customer Representative 4-42
C. General Lines Claim Adjuster 6-20
D. General Lines Agent 2-20 - answer>>B. Limited Customer Representative 4-42
Defaming a competitor company or agent is not only unprofessional, it can also result in a license suspension.
A. True
B. False - answer>>A. True
A General Lines Claim Adjuster is required to obtain the same number of Continuing Education hours as a licensed
Customer Service Representative.
A. True
B. False - answer>>B. False
An Insurance Company which is formed under the laws of the State of Illinois, and has its Home Office there, is
considered a:
A. US Domestic Company
B. Foreign Company
C. Alien Company
D. Unadmitted Company - answer>>B. Foreign Company
Domestic: this state (FL)
Foreign: other state (still in US)
Alien: elsewhere
One who is involved in the investigation, adjustment, negotiation and/or trial preparations of claims arising under
insurance policies is defined as:
A. Insurance Agent
B. General Lines Agent
C. Claims Adjuster
D. All of the Above - answer>>C. Claims Adjuster
Commonly referred to as claims auditor
,Establishing a dollar value on a claim is defined as:
A. Negotiation
B. Evaluation
C. Adjusting
D. None of the Above - answer>>B. Evaluation
For bodily injury and uninsured motorist claims, a settlement range will be set rather than a single dollar amount
Damaged property that may be retrieved, reconditioned and sold to reduce an insured loss is defined as:
A. Junk
B. Salvage
C. Covered Property
D. Peril - answer>>B. Salvage
Efficient disposal of salvage reduces amount of loss to either insured or insurer
The voluntary or intentional relinquishment of a known right is defined as a(n):
A. Waiver
B. Estoppel
C. Avoidance of Performance
D. None of the Above - answer>>A. Waiver
The law recognizes two types: express and implied.
The principle of utmost good faith on which an insurance contract is based places serious responsibilities on the
claims adjuster in regards to:
A. Conduct
B. Work Habits
C. Claim Handling Activites
D. All of the Above - answer>>D. All of the Above
The adjusters basic activities in claims handling are:
, A. Investigation
B. Evaluation
C. Negotiation
D. All of the Above - answer>>D. All of the Above
Investigation - establish coverage, determine liability, verify damages qualify
Evaluation - determine fair payment in accordance with contract and law Negotiation
- settlement based on facts discovered during evaluation
Under the Florida Unfair Insurance Trade Practices Act, penalties are provided for misrepresentation of business
practices, which include all of the following except:
A. Failing to act promptly
B. Failure to explain claim denials in writing
C. Denying claims with reasonable investigation
D. Failure to maintain complaint handling procedures - answer>>C. Denying claims with reasonable investigation
An adjuster who represents the financial interests of the insured named in the policy is defined as a(n):
A. Public Adjuster
B. Bureau Adjuster
C. Fee Adjuster
D. Independent Adjuster - answer>>A. Public Adjuster
When investigating liability insurance claims, which of the following three major elements are determined:
A. Coverage
B. Liability
C. Damages
D. All of the Above - answer>>D. All of the Above
A relationship that requires maintenance of a high degree of fidelity and loyalty to the interests of the principal,
whether or not the adjuster is a direct employee is defined as:
A. Fiduciary
