1
Florida Public Adjuster State Test Exam Question with 100% Correct
Answers.
Florida No-Fault Tort Exemption - Correct answer those who comply with the law are
granted limited immunity from suits of others through PIP coverage.
4 Exceptions to Tort Exemption (Threshold of No-Fault) - Correct answer 1. Significant and
Permanent loss of bodily function.
2. Permanent injury other than scarring and disfigurement.
3. Significant and Permanent scarring or disfigurement.
4. Death
What does NFIP stand for? - Correct answer National Flood Insurance Program
Form SR-22 - Correct answer Drivers Convicted of DUI or a traffic felony over the prior 3
years are required to have 100/300/50 coverage or a certificate of self-insurance of
$350,000.
Contents of a CGL Contract - Correct answer 1.Declarations Form
2. Common Policy Conditions Form
3. One of:
A.Occurrence Form
Claims Made Form
4. Nuclear Energy Liability Exclusion Endorsement.
Declarations of a CGL Contract (4) - Correct answer 1.Named Insured (including address)
2. Policy Period
3. Premium
4. Limits of Coverage
7 Common CGL Conditions - Correct answer 1.Cancellation (30 Days by insurer option, 10
Days By no payment).
2. Changes
3. Examination of Books
4. Inspections and Surveys
5. Premiums
6. Transfer
7. Nuclear Endorsement
CGL Coverage A - Correct answer Bodily Injury and Property Damage Insuring Agreement
The 3 Conditions that define work as "completed" - Correct answer 1.When all work called
for in the contract is completed.
2. When all work to be done at the site has been completed if one contract calls for work at
more than one site.
3. When that part of the work done at a job site has been put to its intended use by any
person or organization other than another contractor or subcontractor.
Occurrence - Correct answer an accident, including continuous or repeated exposure to
substantially the same general harmful conditions.
Accident - Correct answer Sudden, unexpected event
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The Difference between "Occurrence" and "Claims Made" CGL Coverage’s - Correct answer
The Coverage Trigger:
The Occurrence Form applies to BI and PD regardless of any later time at which the claim is
made.
The Claims-Made Form applies only to BI and PD that occurs on or after the "Retro-Active
date"
Retro-Active Date - Correct answer the date on which the coverage legally began.
Basic Extended Reporting Period for CGL - Correct answer 60 Days after expiration
Why is the term "Coverage Trigger" misleading? - Correct answer because it intends to refer
to the time period during which the insurance contract is in effect.
Umbrella - Correct answer Covers Excessive Liability
A Homeowners Policy consists of (3 components): - Correct answer 1.Declarations
2. One of 6 Homeowners forms
3. Mandatory and optional endorsements
If a unit is co-owned, May one co-owner be insured as the renter (HO-4)? - Correct answer
Yes
What are the two main divisions of a Home Owners Form? - Correct answer Section I-
Property
&
Section II-Liability
4 Subsections of Section I of a Property Coverage Policy - Correct answer 1. Coverage’s
2. Perils Insured Against
3. Exclusions
4. Conditions
Who determines how much HO-6 coverage’s a Condominium Owner needs? - Correct
answer The Association
Homeowners Coverage A - Correct answer "Dwelling" covers the dwelling building and
structures attached; also construction materials and supplies on or adjacent to the premises.
Homeowners Coverage B - Correct answer "Other Structures" covers private structures on
the residence premises that are not attached to the main dwelling.
4 Examples of "Other Structures" Per Coverage B of a Homeowner's policy (book gives 5) -
Correct answer 1.Detached Garage.
2. Guest House.
3. Fence
4. Tennis Court
5. Storage Building
Homeowner's Coverage C - Correct answer "Personal Property" covers Property, wherever
it is located, that is owned or used by "an Insured".
Homeowners Coverage D - Correct answer "Loss of Use" covers increases over normal
living costs if damage from a covered Peril makes the residence unfit for occupancy.
Page 2 of 8
Florida Public Adjuster State Test Exam Question with 100% Correct
Answers.
Florida No-Fault Tort Exemption - Correct answer those who comply with the law are
granted limited immunity from suits of others through PIP coverage.
4 Exceptions to Tort Exemption (Threshold of No-Fault) - Correct answer 1. Significant and
Permanent loss of bodily function.
2. Permanent injury other than scarring and disfigurement.
3. Significant and Permanent scarring or disfigurement.
4. Death
What does NFIP stand for? - Correct answer National Flood Insurance Program
Form SR-22 - Correct answer Drivers Convicted of DUI or a traffic felony over the prior 3
years are required to have 100/300/50 coverage or a certificate of self-insurance of
$350,000.
Contents of a CGL Contract - Correct answer 1.Declarations Form
2. Common Policy Conditions Form
3. One of:
A.Occurrence Form
Claims Made Form
4. Nuclear Energy Liability Exclusion Endorsement.
Declarations of a CGL Contract (4) - Correct answer 1.Named Insured (including address)
2. Policy Period
3. Premium
4. Limits of Coverage
7 Common CGL Conditions - Correct answer 1.Cancellation (30 Days by insurer option, 10
Days By no payment).
2. Changes
3. Examination of Books
4. Inspections and Surveys
5. Premiums
6. Transfer
7. Nuclear Endorsement
CGL Coverage A - Correct answer Bodily Injury and Property Damage Insuring Agreement
The 3 Conditions that define work as "completed" - Correct answer 1.When all work called
for in the contract is completed.
2. When all work to be done at the site has been completed if one contract calls for work at
more than one site.
3. When that part of the work done at a job site has been put to its intended use by any
person or organization other than another contractor or subcontractor.
Occurrence - Correct answer an accident, including continuous or repeated exposure to
substantially the same general harmful conditions.
Accident - Correct answer Sudden, unexpected event
Page 1 of 8
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The Difference between "Occurrence" and "Claims Made" CGL Coverage’s - Correct answer
The Coverage Trigger:
The Occurrence Form applies to BI and PD regardless of any later time at which the claim is
made.
The Claims-Made Form applies only to BI and PD that occurs on or after the "Retro-Active
date"
Retro-Active Date - Correct answer the date on which the coverage legally began.
Basic Extended Reporting Period for CGL - Correct answer 60 Days after expiration
Why is the term "Coverage Trigger" misleading? - Correct answer because it intends to refer
to the time period during which the insurance contract is in effect.
Umbrella - Correct answer Covers Excessive Liability
A Homeowners Policy consists of (3 components): - Correct answer 1.Declarations
2. One of 6 Homeowners forms
3. Mandatory and optional endorsements
If a unit is co-owned, May one co-owner be insured as the renter (HO-4)? - Correct answer
Yes
What are the two main divisions of a Home Owners Form? - Correct answer Section I-
Property
&
Section II-Liability
4 Subsections of Section I of a Property Coverage Policy - Correct answer 1. Coverage’s
2. Perils Insured Against
3. Exclusions
4. Conditions
Who determines how much HO-6 coverage’s a Condominium Owner needs? - Correct
answer The Association
Homeowners Coverage A - Correct answer "Dwelling" covers the dwelling building and
structures attached; also construction materials and supplies on or adjacent to the premises.
Homeowners Coverage B - Correct answer "Other Structures" covers private structures on
the residence premises that are not attached to the main dwelling.
4 Examples of "Other Structures" Per Coverage B of a Homeowner's policy (book gives 5) -
Correct answer 1.Detached Garage.
2. Guest House.
3. Fence
4. Tennis Court
5. Storage Building
Homeowner's Coverage C - Correct answer "Personal Property" covers Property, wherever
it is located, that is owned or used by "an Insured".
Homeowners Coverage D - Correct answer "Loss of Use" covers increases over normal
living costs if damage from a covered Peril makes the residence unfit for occupancy.
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