FLORIDA 3 20 PUBLIC ADJUSTER ACTUAL
PAPER 2026 QUESTIONS WITH SOLUTIONS
GRADED A+
◉ A forcible entry into locked premises and the carrying away of the
property of others is a definition of:
Answer: Burglary
◉ The inland marine coverage form that covers clothing, cameras
and other portable property worn and carried by tourists and
travelers is a:
Answer: Personal effects floater
◉ A residual market to alleviate the temporary unavailability of
property insurance coverage in significant portions of Florida (e.g.
homeowners face non-renewal or cancellations)
Answer: Residential Property & Casualty Joint Underwriting
Association for property owners.
◉ What does the property insurance term "improvements and
betterment" apply to?
Answer: Real Property
,◉ The penalty imposed upon a Florida licensee who violates a cease
and desists order issued by the CFO:
Answer: $50,000 Fine
◉ What is amount is personal property used for business purposes,
under a Homeowners policy covered up to
Answer: up to $2500 on premises
up to $1500 off premises
◉ If a replacement costs exists, but the insured has a policy for only
50% of the replacement cost, what percentage will the insured
received for the loss?
Answer: 50% of the settlement amount
◉ A statement that is believed to be true when made, which my
prove to be false.
Answer: Representation
◉ A statement that is guaranteed to be correct:
Answer: Warranty
◉ When can an insured cancel his/her policy?
Answer: At any time.
, ◉ In Florida, how many days in advance of a premium due date must
an auto insurer provide notice of renewal to an insured?
Answer: 30 days written notice
◉ What deductibles are subject to any aircraft physical damages that
differ according to circumstances surrounding a given loss?
Answer: In-flight Ded (greatest amount)
Not-in-Motion (least amount)
They apply independently based on the actual loss
◉ Uninsured Motorist's Coverage form, the insured can request:
Answer: Non-stacked Coverage
Stacked Coverage
UM coverage at the limits lower than those that apply for liability
coverage
◉ If a mortgage is acknowledged in the policy and the insured
concealed the fact that a hazard exists to the insurance company,
would the mortgage have a right to recover its full loan value?
Answer: Yes
PAPER 2026 QUESTIONS WITH SOLUTIONS
GRADED A+
◉ A forcible entry into locked premises and the carrying away of the
property of others is a definition of:
Answer: Burglary
◉ The inland marine coverage form that covers clothing, cameras
and other portable property worn and carried by tourists and
travelers is a:
Answer: Personal effects floater
◉ A residual market to alleviate the temporary unavailability of
property insurance coverage in significant portions of Florida (e.g.
homeowners face non-renewal or cancellations)
Answer: Residential Property & Casualty Joint Underwriting
Association for property owners.
◉ What does the property insurance term "improvements and
betterment" apply to?
Answer: Real Property
,◉ The penalty imposed upon a Florida licensee who violates a cease
and desists order issued by the CFO:
Answer: $50,000 Fine
◉ What is amount is personal property used for business purposes,
under a Homeowners policy covered up to
Answer: up to $2500 on premises
up to $1500 off premises
◉ If a replacement costs exists, but the insured has a policy for only
50% of the replacement cost, what percentage will the insured
received for the loss?
Answer: 50% of the settlement amount
◉ A statement that is believed to be true when made, which my
prove to be false.
Answer: Representation
◉ A statement that is guaranteed to be correct:
Answer: Warranty
◉ When can an insured cancel his/her policy?
Answer: At any time.
, ◉ In Florida, how many days in advance of a premium due date must
an auto insurer provide notice of renewal to an insured?
Answer: 30 days written notice
◉ What deductibles are subject to any aircraft physical damages that
differ according to circumstances surrounding a given loss?
Answer: In-flight Ded (greatest amount)
Not-in-Motion (least amount)
They apply independently based on the actual loss
◉ Uninsured Motorist's Coverage form, the insured can request:
Answer: Non-stacked Coverage
Stacked Coverage
UM coverage at the limits lower than those that apply for liability
coverage
◉ If a mortgage is acknowledged in the policy and the insured
concealed the fact that a hazard exists to the insurance company,
would the mortgage have a right to recover its full loan value?
Answer: Yes
