FLORIDA 3 20 PUBLIC ADJUSTERS STATE
COMPREHENSIVE TEST PAPER 140 2026
TESTED QUESTIONS AND SOLUTIONS
GUARANTEED TO PASS
◉ True or False: Both mediation and sinkhole neutral evaluation are
non-binding. Neither the insured nor the insurance company is
legally obligated to accept the outcome of the mediation conference.
Answer: True
◉ The ______________ is intended for use by parties who are beginning
the process of filing suit against an insurer, when a party feels they
have been damaged by specific acts of the insurer. The Notice is
intended to meet a portion of legal requirements set forth in Section
624.155, Florida Statutes, which requires a party to file Notice with
both the insurer and the Department of Financial Services (DFS) at
least 60 days prior to bringing an action against the insurer. The DFS
does not involve itself in the pre-suit negotiations or
communications related to Notices as such actions are not within
the scope of its statutory authority. Answer: Civil Remedies Notice
◉ Mediation Statute 627.7015 Answer: The department shall adopt
by rule a property insurance mediation program to be administered
by the department or its designee. The department may also adopt
special rules which are applicable in cases of an emergency within
,the state. The rules shall be modeled after practices and procedures
set forth in mediation rules of procedure adopted by the Supreme
Court. The rules shall provide for:(a) Reasonable requirement for
processing and scheduling of requests for mediation.(b)
Qualifications, denial of application, suspension, revocation of
approval, and other penalties for mediators as provided in s.
627.745 and the Florida Rules for Certified and Court-Appointed
Mediators.(c) Provisions governing who may attend mediation
conferences.(d) Selection of mediators.(e) Criteria for the conduct of
mediation conferences.(f) Right to legal counsel.
(5) All statements made and documents produced at a mediation
conference shall be deemed to be settlement negotiations in
anticipation of litigation within the scope of s. 90.408. All parties to
the mediation must negotiate in good faith and must have the
authority to immediately settle the claim. Mediators are deemed to
be agents of the department and shall have the immunity from suit
provided in s. 44.107.
(6)(a) Mediation is nonbinding; however, if a written settlement is
reached, the policyholder has 3 business days within which the
policyholder may rescind the settlement unless the policyholder has
cashed or deposited any check or draft disbursed to the policyholder
for the disputed matters as a result of the conference. If a settlement
agreement is reached and is not rescinded, it is binding and acts as a
release of all specific claims that were presented in that mediation
conference.
(b) At the conclusion of the mediation, the mediator shall provide a
written report of the re
, ◉ Code of ethics (FAC 69B-220.201) Answer: The work of adjusting
insurance claims engages the public trust. An adjuster shall put the
duty for fair and honest treatment of the claimant above the
adjuster's own interests in every instance. ... (b) An adjuster shall
treat all claimants equally.
◉ Florida Insurance Guaranty Association Answer: establishes and
maintains a service-oriented operation for processing covered
claims of insolvent members. FIGA is a nonprofit corporation
created by the Florida Legislature in 1970. FIGA services pending
claims by or against Florida policyholders of member insurance
companies which become insolvent and are ordered liquidated.
◉ The Residential Property and Casualty Joint Underwriting
Association originally created by this statute shall be known as the
Citizens Property Insurance Corporation Answer: The corporation
shall provide insurance for residential and commercial property, for
applicants who are entitled, but, in good faith, are unable to procure
insurance through the voluntary market.
◉ Business auto coverage form Section 3 Physical Damage Coverage
Answer: We will pay for "loss" to a covered "auto" or its equipment
under:
a. Comprehensive Coverage From any cause except: (1) The covered
"auto's" collision with another object; or (2) The covered "auto's"
overturn.
COMPREHENSIVE TEST PAPER 140 2026
TESTED QUESTIONS AND SOLUTIONS
GUARANTEED TO PASS
◉ True or False: Both mediation and sinkhole neutral evaluation are
non-binding. Neither the insured nor the insurance company is
legally obligated to accept the outcome of the mediation conference.
Answer: True
◉ The ______________ is intended for use by parties who are beginning
the process of filing suit against an insurer, when a party feels they
have been damaged by specific acts of the insurer. The Notice is
intended to meet a portion of legal requirements set forth in Section
624.155, Florida Statutes, which requires a party to file Notice with
both the insurer and the Department of Financial Services (DFS) at
least 60 days prior to bringing an action against the insurer. The DFS
does not involve itself in the pre-suit negotiations or
communications related to Notices as such actions are not within
the scope of its statutory authority. Answer: Civil Remedies Notice
◉ Mediation Statute 627.7015 Answer: The department shall adopt
by rule a property insurance mediation program to be administered
by the department or its designee. The department may also adopt
special rules which are applicable in cases of an emergency within
,the state. The rules shall be modeled after practices and procedures
set forth in mediation rules of procedure adopted by the Supreme
Court. The rules shall provide for:(a) Reasonable requirement for
processing and scheduling of requests for mediation.(b)
Qualifications, denial of application, suspension, revocation of
approval, and other penalties for mediators as provided in s.
627.745 and the Florida Rules for Certified and Court-Appointed
Mediators.(c) Provisions governing who may attend mediation
conferences.(d) Selection of mediators.(e) Criteria for the conduct of
mediation conferences.(f) Right to legal counsel.
(5) All statements made and documents produced at a mediation
conference shall be deemed to be settlement negotiations in
anticipation of litigation within the scope of s. 90.408. All parties to
the mediation must negotiate in good faith and must have the
authority to immediately settle the claim. Mediators are deemed to
be agents of the department and shall have the immunity from suit
provided in s. 44.107.
(6)(a) Mediation is nonbinding; however, if a written settlement is
reached, the policyholder has 3 business days within which the
policyholder may rescind the settlement unless the policyholder has
cashed or deposited any check or draft disbursed to the policyholder
for the disputed matters as a result of the conference. If a settlement
agreement is reached and is not rescinded, it is binding and acts as a
release of all specific claims that were presented in that mediation
conference.
(b) At the conclusion of the mediation, the mediator shall provide a
written report of the re
, ◉ Code of ethics (FAC 69B-220.201) Answer: The work of adjusting
insurance claims engages the public trust. An adjuster shall put the
duty for fair and honest treatment of the claimant above the
adjuster's own interests in every instance. ... (b) An adjuster shall
treat all claimants equally.
◉ Florida Insurance Guaranty Association Answer: establishes and
maintains a service-oriented operation for processing covered
claims of insolvent members. FIGA is a nonprofit corporation
created by the Florida Legislature in 1970. FIGA services pending
claims by or against Florida policyholders of member insurance
companies which become insolvent and are ordered liquidated.
◉ The Residential Property and Casualty Joint Underwriting
Association originally created by this statute shall be known as the
Citizens Property Insurance Corporation Answer: The corporation
shall provide insurance for residential and commercial property, for
applicants who are entitled, but, in good faith, are unable to procure
insurance through the voluntary market.
◉ Business auto coverage form Section 3 Physical Damage Coverage
Answer: We will pay for "loss" to a covered "auto" or its equipment
under:
a. Comprehensive Coverage From any cause except: (1) The covered
"auto's" collision with another object; or (2) The covered "auto's"
overturn.
