FLORIDA 3 20 PUBLIC ADJUSTER
CERTIFICATION SCRIPT 2026 COMPLETE
QUESTIONS AND ANSWERS
◉ Requirements that truckers be financially responsible for cargo
they carry are imposed by:
Answer: State and Federal Government
◉ What is the standard deductible for each coverage under the
"emergency flood program"?
Answer: $2,000.00
◉ Under a HO-3 Policy, there is no coverage for loss resulting from
"earth movement" except when endorsed using:
Answer: Earthquake Endorsement
◉ An earthquake endorsement defines a single earthquake as all
earthquake shocks within what period?
Answer: 72 Hour Period
◉ Earthquake peril is defined to include:
Answer: land
, shock waves
or tremors accompanied by volcanic eruption
◉ Name the endorsement used on the dwelling policy to keep values
current with the replacement cost of the buildings (inflation of
construction costs)
Answer: The Automatic Increase Endorsement
◉ What coverage should be added to the Business Owners Coverage
Form if the named insured's employees use their own vehicles to
run errands when the insured does not have commercial auto
coverage?
Answer: Non-Owned and Hired
◉ What is coverage based on under the commercial property
condominium association form?
Answer: Association agreement and bylaws
◉ Name the excluded types of property under the Commercial
Building and Personal Property Form.
Answer: Animals (unless for sale)
Autos
Money
CERTIFICATION SCRIPT 2026 COMPLETE
QUESTIONS AND ANSWERS
◉ Requirements that truckers be financially responsible for cargo
they carry are imposed by:
Answer: State and Federal Government
◉ What is the standard deductible for each coverage under the
"emergency flood program"?
Answer: $2,000.00
◉ Under a HO-3 Policy, there is no coverage for loss resulting from
"earth movement" except when endorsed using:
Answer: Earthquake Endorsement
◉ An earthquake endorsement defines a single earthquake as all
earthquake shocks within what period?
Answer: 72 Hour Period
◉ Earthquake peril is defined to include:
Answer: land
, shock waves
or tremors accompanied by volcanic eruption
◉ Name the endorsement used on the dwelling policy to keep values
current with the replacement cost of the buildings (inflation of
construction costs)
Answer: The Automatic Increase Endorsement
◉ What coverage should be added to the Business Owners Coverage
Form if the named insured's employees use their own vehicles to
run errands when the insured does not have commercial auto
coverage?
Answer: Non-Owned and Hired
◉ What is coverage based on under the commercial property
condominium association form?
Answer: Association agreement and bylaws
◉ Name the excluded types of property under the Commercial
Building and Personal Property Form.
Answer: Animals (unless for sale)
Autos
Money
