FLORIDA PUBLIC ALL LINES ADJUSTER
2026 EXAMS SET QUESTIONS AND
ANSWERS FULL PRACTICE REVIEW WITH
SOLUTIONS GRADED A+
⩥ Once an adjuster is licensed he or she must maintain a continuing
education requirement. Select from the following an adjuster's
compliance requirement in order to stay licensed:
Answer: A newly licensed adjuster must complete 24 hours of
continuing education in every two year compliance period, of which 5
hours must be taken in a properly certified 5 Hour Law & Ethics Update
course
⩥ A claim in the property/casualty industry is defined as:
Answer: An assertion of an alleged legal right against a person, entity,
company or insurer that carries with it a demand for money as
compensation for injuries or damage
⩥ Describe the coverages provided in a split limit policy of 10/20/10
Answer: The coverage provides up to $10,000 of liability protection for
bodily injury to any one individual, an aggregate of $20,000 for all
bodily injuries regardless of how many individuals, and $10,000 for
property damage
, ⩥ What is the primary difference between a staff adjuster and an
independent adjuster?
Answer: A staff adjuster works for an insurance company and an
independent adjuster works independently for themselves or for
adjusting firms who represent many clients
⩥ In todays society the most important factor in the purchase of
insurance is:
Answer: Trust
⩥ Negligence is described as:
Answer: Fault that arises from doing something you shouldn't have
done, or not doing something you should have done
⩥ One of the most important claim handling goals of an Insurance
Company is:
Answer: To help those who have been injured or who have suffered loss
for which the insured is responsible, while at the same time minimizing
loss for the insured party and carrier
⩥ The doctrine of proximate cause is defined as:
Answer: if there is an unbroken chain of events, or series of sequences,
flowing from the initial loss caused by the Insured peril to a subsequent
loss, the insured peril causing the initial loss will be considered the
"proximate cause" of the subsequent loss.
2026 EXAMS SET QUESTIONS AND
ANSWERS FULL PRACTICE REVIEW WITH
SOLUTIONS GRADED A+
⩥ Once an adjuster is licensed he or she must maintain a continuing
education requirement. Select from the following an adjuster's
compliance requirement in order to stay licensed:
Answer: A newly licensed adjuster must complete 24 hours of
continuing education in every two year compliance period, of which 5
hours must be taken in a properly certified 5 Hour Law & Ethics Update
course
⩥ A claim in the property/casualty industry is defined as:
Answer: An assertion of an alleged legal right against a person, entity,
company or insurer that carries with it a demand for money as
compensation for injuries or damage
⩥ Describe the coverages provided in a split limit policy of 10/20/10
Answer: The coverage provides up to $10,000 of liability protection for
bodily injury to any one individual, an aggregate of $20,000 for all
bodily injuries regardless of how many individuals, and $10,000 for
property damage
, ⩥ What is the primary difference between a staff adjuster and an
independent adjuster?
Answer: A staff adjuster works for an insurance company and an
independent adjuster works independently for themselves or for
adjusting firms who represent many clients
⩥ In todays society the most important factor in the purchase of
insurance is:
Answer: Trust
⩥ Negligence is described as:
Answer: Fault that arises from doing something you shouldn't have
done, or not doing something you should have done
⩥ One of the most important claim handling goals of an Insurance
Company is:
Answer: To help those who have been injured or who have suffered loss
for which the insured is responsible, while at the same time minimizing
loss for the insured party and carrier
⩥ The doctrine of proximate cause is defined as:
Answer: if there is an unbroken chain of events, or series of sequences,
flowing from the initial loss caused by the Insured peril to a subsequent
loss, the insured peril causing the initial loss will be considered the
"proximate cause" of the subsequent loss.
