Florida 3-20 Public Adjuster License Exam
2026 | Complete Certification Study Guide
with Verified Questions, Answers &
Rationales
• This study guide contains 200 verified practice questions covering all tested topics
on the Florida 3-20 Public Adjuster License Exam, designed to mirror the actual
exam format and difficulty level.
• Read each question carefully, attempt your answer before revealing the correct
one, review every EXPERT RATIONALE thoroughly — repeat weak areas until
confident.
1. What is the primary role of a public adjuster in Florida?
A. To represent the insurance company in a claim
B. To investigate fraud on behalf of the state
C. To act as a neutral mediator between insurer and insured
D. To represent the policyholder in negotiating and settling insurance claims
E. To issue insurance policies to homeowners
Correct Answer: D. To represent the policyholder in negotiating and settling
insurance claims
EXPERT RATIONALE: Under Florida law, a public adjuster is licensed to
represent and assist insureds — not insurers — in preparing, presenting, and
negotiating insurance claims. Their duty of loyalty is solely to the policyholder.
2. Under Florida law, which entity must a public adjuster be licensed by?
A. The Florida Bar Association
B. The Federal Insurance Office
C. The National Association of Insurance Commissioners (NAIC)
D. The Florida Department of Financial Services (DFS)
,E. The Florida Office of Insurance Regulation (OIR)
Correct Answer: D. The Florida Department of Financial Services (DFS)
EXPERT RATIONALE: The Florida Department of Financial Services is
responsible for licensing and regulating public adjusters in the state of Florida
under Chapter 626 of the Florida Statutes.
3. What is the maximum fee a public adjuster may charge on a claim for a
declared state of emergency during the first year after the declaration?
A. 20%
B. 15%
C. 5%
D. 10%
E. 25%
Correct Answer: D. 10%
EXPERT RATIONALE: Florida Statute 626.854 limits public adjuster fees to 10%
of the claim settlement on claims filed during the first year after a declared state of
emergency, protecting disaster victims from excessive fees.
4. What is the maximum fee a public adjuster may charge on a non-
emergency claim in Florida?
A. 15%
B. 25%
C. 20%
D. 10%
E. 30%
Correct Answer: C. 20%
, EXPERT RATIONALE: For claims that do not involve a declared state of
emergency, Florida law allows public adjusters to charge up to 20% of the total
claim settlement as their fee.
5. A public adjuster contract must be submitted to the insurer within how
many days of execution?
A. 30 days
B. 3 business days
C. 7 calendar days
D. 10 business days
E. 14 days
Correct Answer: B. 3 business days
EXPERT RATIONALE: Florida law requires the public adjuster to provide a copy
of the signed contract to the insurer within 3 business days of its execution to
ensure timely notice and transparency.
6. How long does a policyholder have to rescind a public adjuster contract
after signing?
A. 24 hours
B. 72 hours
C. 3 business days
D. 5 calendar days
E. 10 business days
Correct Answer: C. 3 business days
, EXPERT RATIONALE: The insured has the right to rescind a public adjuster
contract within 3 business days of signing without penalty, protecting consumers
from high-pressure sales tactics.
7. Which of the following is NOT a requirement for obtaining a Florida public
adjuster license?
A. Pass the state licensing examination
B. Submit an application to the DFS
C. Hold a law degree from an accredited institution
D. Be at least 18 years of age
E. Provide proof of a $50,000 surety bond
Correct Answer: C. Hold a law degree from an accredited institution
EXPERT RATIONALE: Florida does not require public adjusters to hold a law
degree. Requirements include being 18 or older, passing the exam, submitting an
application, paying fees, and maintaining a surety bond.
8. What is the required surety bond amount for a Florida public adjuster?
A. $10,000
B. $25,000
C. $50,000
D. $75,000
E. $100,000
Correct Answer: C. $50,000
EXPERT RATIONALE: Florida Statute 626.854 requires public adjusters to
maintain a surety bond of at least $50,000 to protect consumers against fraudulent
or unethical conduct.
2026 | Complete Certification Study Guide
with Verified Questions, Answers &
Rationales
• This study guide contains 200 verified practice questions covering all tested topics
on the Florida 3-20 Public Adjuster License Exam, designed to mirror the actual
exam format and difficulty level.
• Read each question carefully, attempt your answer before revealing the correct
one, review every EXPERT RATIONALE thoroughly — repeat weak areas until
confident.
1. What is the primary role of a public adjuster in Florida?
A. To represent the insurance company in a claim
B. To investigate fraud on behalf of the state
C. To act as a neutral mediator between insurer and insured
D. To represent the policyholder in negotiating and settling insurance claims
E. To issue insurance policies to homeowners
Correct Answer: D. To represent the policyholder in negotiating and settling
insurance claims
EXPERT RATIONALE: Under Florida law, a public adjuster is licensed to
represent and assist insureds — not insurers — in preparing, presenting, and
negotiating insurance claims. Their duty of loyalty is solely to the policyholder.
2. Under Florida law, which entity must a public adjuster be licensed by?
A. The Florida Bar Association
B. The Federal Insurance Office
C. The National Association of Insurance Commissioners (NAIC)
D. The Florida Department of Financial Services (DFS)
,E. The Florida Office of Insurance Regulation (OIR)
Correct Answer: D. The Florida Department of Financial Services (DFS)
EXPERT RATIONALE: The Florida Department of Financial Services is
responsible for licensing and regulating public adjusters in the state of Florida
under Chapter 626 of the Florida Statutes.
3. What is the maximum fee a public adjuster may charge on a claim for a
declared state of emergency during the first year after the declaration?
A. 20%
B. 15%
C. 5%
D. 10%
E. 25%
Correct Answer: D. 10%
EXPERT RATIONALE: Florida Statute 626.854 limits public adjuster fees to 10%
of the claim settlement on claims filed during the first year after a declared state of
emergency, protecting disaster victims from excessive fees.
4. What is the maximum fee a public adjuster may charge on a non-
emergency claim in Florida?
A. 15%
B. 25%
C. 20%
D. 10%
E. 30%
Correct Answer: C. 20%
, EXPERT RATIONALE: For claims that do not involve a declared state of
emergency, Florida law allows public adjusters to charge up to 20% of the total
claim settlement as their fee.
5. A public adjuster contract must be submitted to the insurer within how
many days of execution?
A. 30 days
B. 3 business days
C. 7 calendar days
D. 10 business days
E. 14 days
Correct Answer: B. 3 business days
EXPERT RATIONALE: Florida law requires the public adjuster to provide a copy
of the signed contract to the insurer within 3 business days of its execution to
ensure timely notice and transparency.
6. How long does a policyholder have to rescind a public adjuster contract
after signing?
A. 24 hours
B. 72 hours
C. 3 business days
D. 5 calendar days
E. 10 business days
Correct Answer: C. 3 business days
, EXPERT RATIONALE: The insured has the right to rescind a public adjuster
contract within 3 business days of signing without penalty, protecting consumers
from high-pressure sales tactics.
7. Which of the following is NOT a requirement for obtaining a Florida public
adjuster license?
A. Pass the state licensing examination
B. Submit an application to the DFS
C. Hold a law degree from an accredited institution
D. Be at least 18 years of age
E. Provide proof of a $50,000 surety bond
Correct Answer: C. Hold a law degree from an accredited institution
EXPERT RATIONALE: Florida does not require public adjusters to hold a law
degree. Requirements include being 18 or older, passing the exam, submitting an
application, paying fees, and maintaining a surety bond.
8. What is the required surety bond amount for a Florida public adjuster?
A. $10,000
B. $25,000
C. $50,000
D. $75,000
E. $100,000
Correct Answer: C. $50,000
EXPERT RATIONALE: Florida Statute 626.854 requires public adjusters to
maintain a surety bond of at least $50,000 to protect consumers against fraudulent
or unethical conduct.
