Florida 3-20 Public Adjuster License Exam
Prep 2026 | Complete Study Guide with
Verified Questions & Answers, Statutes &
Claims Training
FLORIDA 3-20 PUBLIC ADJUSTER LICENSE EXAM PREP 2026
Complete Study Guide with Verified Questions & Answers
DOCUMENT OVERVIEW
• This comprehensive study material contains 200 verified multiple-choice
questions designed to prepare you for the Florida 3-20 Public Adjuster License
Exam with real exam-style questions covering all regulatory requirements and
practical scenarios.
• Study strategically by working through each section, reviewing the EXPERT
RATIONALE for every answer to deepen your understanding of Florida insurance
law, claims handling procedures, and adjuster responsibilities—take notes on weak
areas and revisit those topics for mastery.
SECTION 1: FLORIDA INSURANCE LAW & REGULATIONS
1. What does the "3-20" in the Florida Public Adjuster License refer to?
A) The chapter and section of Florida Statutes regulating public adjusters
B) The number of years required experience before licensing
C) The three types of adjusters and 20 competency areas
D) The requirement to handle three cases within 20 days
E) The fee amount in hundreds of dollars
✓ CORRECT ANSWER: A) The chapter and section of Florida Statutes regulating
public adjusters
,EXPERT RATIONALE: Florida Statute 626.854 (Chapter 626, Section 854) is the
specific statute that governs public adjuster licensing, conduct, and requirements.
The "3-20" designation comes from the chapter and section structure of Florida's
insurance code.
2. Which state agency is primarily responsible for licensing and regulating
public adjusters in Florida?
A) Florida Department of Revenue
B) Florida Department of Insurance (now Florida Office of Insurance Regulation)
C) Florida Attorney General's Office
D) Florida Real Estate Commission
E) Florida Department of Financial Services
✓ CORRECT ANSWER: E) Florida Department of Financial Services
EXPERT RATIONALE: The Florida Department of Financial Services (FLDFS),
specifically the Division of Agents and Agency Services within the Office of
Insurance Regulation, is responsible for licensing, regulating, and disciplining public
adjusters in Florida.
3. What is the primary purpose of Florida's public adjuster licensing
requirements?
A) To restrict competition in the insurance industry
B) To protect consumers by ensuring public adjusters are knowledgeable and
ethical
C) To increase government revenue through licensing fees
D) To eliminate the need for insurance companies to hire adjusters
E) To prevent attorneys from handling insurance claims
,✓ CORRECT ANSWER: B) To protect consumers by ensuring public adjusters are
knowledgeable and ethical
EXPERT RATIONALE: Public adjuster licensing requirements exist to safeguard
consumers by ensuring that those representing them in claims matters possess
adequate knowledge, competency, and ethical standards to properly represent
their interests.
4. Which of the following is NOT a requirement for obtaining a Florida public
adjuster license?
A) Passing the state licensing examination
B) Completing a 16-hour pre-licensing course
C) Obtaining a bachelor's degree in business or insurance
D) Meeting the character and fitness requirements
E) Submitting fingerprints for a background check
✓ CORRECT ANSWER: C) Obtaining a bachelor's degree in business or
insurance
EXPERT RATIONALE: Florida does not require a bachelor's degree for public
adjuster licensure. The requirements include passing the exam, completing pre-
licensing education, meeting character and fitness standards, and submitting to
background checks, but no specific degree is mandated.
5. What is the current examination fee for Florida public adjuster licensing as
of 2026?
A) $50
B) $75
C) $100
D) $150
, E) $200
✓ CORRECT ANSWER: C) $100
EXPERT RATIONALE: The Florida public adjuster licensing examination fee is $100.
This fee is set by the Department of Financial Services and may be subject to
change, but $100 is the standard current fee.
6. How long is a Florida public adjuster license valid?
A) One year
B) Two years
C) Three years
D) Four years
E) Five years
✓ CORRECT ANSWER: B) Two years
EXPERT RATIONALE: Florida public adjuster licenses are issued for a two-year
period. Licensees must renew their licenses every two years by meeting continuing
education requirements and paying renewal fees.
7. What is the minimum number of continuing education hours required for
renewal of a Florida public adjuster license?
A) 12 hours
B) 16 hours
C) 20 hours
D) 24 hours
E) 30 hours
✓ CORRECT ANSWER: C) 20 hours
Prep 2026 | Complete Study Guide with
Verified Questions & Answers, Statutes &
Claims Training
FLORIDA 3-20 PUBLIC ADJUSTER LICENSE EXAM PREP 2026
Complete Study Guide with Verified Questions & Answers
DOCUMENT OVERVIEW
• This comprehensive study material contains 200 verified multiple-choice
questions designed to prepare you for the Florida 3-20 Public Adjuster License
Exam with real exam-style questions covering all regulatory requirements and
practical scenarios.
• Study strategically by working through each section, reviewing the EXPERT
RATIONALE for every answer to deepen your understanding of Florida insurance
law, claims handling procedures, and adjuster responsibilities—take notes on weak
areas and revisit those topics for mastery.
SECTION 1: FLORIDA INSURANCE LAW & REGULATIONS
1. What does the "3-20" in the Florida Public Adjuster License refer to?
A) The chapter and section of Florida Statutes regulating public adjusters
B) The number of years required experience before licensing
C) The three types of adjusters and 20 competency areas
D) The requirement to handle three cases within 20 days
E) The fee amount in hundreds of dollars
✓ CORRECT ANSWER: A) The chapter and section of Florida Statutes regulating
public adjusters
,EXPERT RATIONALE: Florida Statute 626.854 (Chapter 626, Section 854) is the
specific statute that governs public adjuster licensing, conduct, and requirements.
The "3-20" designation comes from the chapter and section structure of Florida's
insurance code.
2. Which state agency is primarily responsible for licensing and regulating
public adjusters in Florida?
A) Florida Department of Revenue
B) Florida Department of Insurance (now Florida Office of Insurance Regulation)
C) Florida Attorney General's Office
D) Florida Real Estate Commission
E) Florida Department of Financial Services
✓ CORRECT ANSWER: E) Florida Department of Financial Services
EXPERT RATIONALE: The Florida Department of Financial Services (FLDFS),
specifically the Division of Agents and Agency Services within the Office of
Insurance Regulation, is responsible for licensing, regulating, and disciplining public
adjusters in Florida.
3. What is the primary purpose of Florida's public adjuster licensing
requirements?
A) To restrict competition in the insurance industry
B) To protect consumers by ensuring public adjusters are knowledgeable and
ethical
C) To increase government revenue through licensing fees
D) To eliminate the need for insurance companies to hire adjusters
E) To prevent attorneys from handling insurance claims
,✓ CORRECT ANSWER: B) To protect consumers by ensuring public adjusters are
knowledgeable and ethical
EXPERT RATIONALE: Public adjuster licensing requirements exist to safeguard
consumers by ensuring that those representing them in claims matters possess
adequate knowledge, competency, and ethical standards to properly represent
their interests.
4. Which of the following is NOT a requirement for obtaining a Florida public
adjuster license?
A) Passing the state licensing examination
B) Completing a 16-hour pre-licensing course
C) Obtaining a bachelor's degree in business or insurance
D) Meeting the character and fitness requirements
E) Submitting fingerprints for a background check
✓ CORRECT ANSWER: C) Obtaining a bachelor's degree in business or
insurance
EXPERT RATIONALE: Florida does not require a bachelor's degree for public
adjuster licensure. The requirements include passing the exam, completing pre-
licensing education, meeting character and fitness standards, and submitting to
background checks, but no specific degree is mandated.
5. What is the current examination fee for Florida public adjuster licensing as
of 2026?
A) $50
B) $75
C) $100
D) $150
, E) $200
✓ CORRECT ANSWER: C) $100
EXPERT RATIONALE: The Florida public adjuster licensing examination fee is $100.
This fee is set by the Department of Financial Services and may be subject to
change, but $100 is the standard current fee.
6. How long is a Florida public adjuster license valid?
A) One year
B) Two years
C) Three years
D) Four years
E) Five years
✓ CORRECT ANSWER: B) Two years
EXPERT RATIONALE: Florida public adjuster licenses are issued for a two-year
period. Licensees must renew their licenses every two years by meeting continuing
education requirements and paying renewal fees.
7. What is the minimum number of continuing education hours required for
renewal of a Florida public adjuster license?
A) 12 hours
B) 16 hours
C) 20 hours
D) 24 hours
E) 30 hours
✓ CORRECT ANSWER: C) 20 hours
