©GRACEAMELIA 2024/2025 ACADEMIC YEAR. ALL RIGHTS RESERVED
FIRST PUBLISH OCTOBER 2024
Florida 6-20 All Lines Adjuster Test Questions and
Answers
A public adjuster represents the interest of:
A. The insurer
B. The Insured
C. The employer
D. The interest of the general public - Ans:✔✔-B. The insured
Which of the following is the type of report that indicates the initial results of a claim investigation?
A. Field Report
B. Interim Report
C. Full Report
D. None of the above - Ans:✔✔-A. Field Report
States have adopted statutes regarding claims adjusting. To avoid unfair treatment to a
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, ©GRACEAMELIA 2024/2025 ACADEMIC YEAR. ALL RIGHTS RESERVED
FIRST PUBLISH OCTOBER 2024
claimant the adjuster must not:
A. Promptly investigate the claim.
B. Follow the laws regarding the number of days in which to commence an investigation.
C. Deny the claim until a fair and prompt investigation has commenced.
D. Pay the claim within a reasonable number of days after the final proof of loss has been
received. - Ans:✔✔-C. Deny the claim until a fair and prompt investigation has commenced.
Which of the following is not a claim settlement option?
A. Forcing the insured to sue by offering less than the claim is worth.
B. Repairing property.
C. Replacing with like kind and quality.
D. Replace with new - Ans:✔✔-A. Forcing the insured to sue by offering less than the claim is worth.
The giving up of a known right is called:
A. Estoppel
B. Violation of policy conditions
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FIRST PUBLISH OCTOBER 2024
C. Rebating
D. Waiver - Ans:✔✔-D. Waiver
An innocent party relies on certain statements made by the adjuster and is damaged as a
result. The guilty party may be legally prohibited from asserting that the fact does not exist
because of:
A. Waiver
B. Estoppel
C. Duties of the adjuster
D. Law of contract - Ans:✔✔-B. Estoppel
Should an insured fail to report a claim in a timely fashion the adjuster will usually:
A. Deny the claim.
B. Send the insured a reservation of rights letter.
C. Cease investigating.
D. Seek the advice of the company's attorney. - Ans:✔✔-B. Send the insured a reservation of rights letter.
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, ©GRACEAMELIA 2024/2025 ACADEMIC YEAR. ALL RIGHTS RESERVED
FIRST PUBLISH OCTOBER 2024
A company adjuster primarily represents the interests of:
A. The insured.
B. The claimant.
C. The insurer.
D. The public. - Ans:✔✔-C. The insurer.
An adjuster's license will usually be revoked for which of the following reasons:
A. Denying claims that are not covered.
B. Failing to report a change of address.
C. Having been convicted of a misdemeanor.
D. Having been convicted of a felony. - Ans:✔✔-D. Having been convicted of a felony.
The insured has been involved in an automobile accident and has sustained bodily injuries
and damage to the insured vehicle. The adjuster will usually:
A. Withhold any payment until all the bills have been reviewed for payment.
B. Pay to repair the vehicle and pay the medical bills later.
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FIRST PUBLISH OCTOBER 2024
Florida 6-20 All Lines Adjuster Test Questions and
Answers
A public adjuster represents the interest of:
A. The insurer
B. The Insured
C. The employer
D. The interest of the general public - Ans:✔✔-B. The insured
Which of the following is the type of report that indicates the initial results of a claim investigation?
A. Field Report
B. Interim Report
C. Full Report
D. None of the above - Ans:✔✔-A. Field Report
States have adopted statutes regarding claims adjusting. To avoid unfair treatment to a
Page 1/120
, ©GRACEAMELIA 2024/2025 ACADEMIC YEAR. ALL RIGHTS RESERVED
FIRST PUBLISH OCTOBER 2024
claimant the adjuster must not:
A. Promptly investigate the claim.
B. Follow the laws regarding the number of days in which to commence an investigation.
C. Deny the claim until a fair and prompt investigation has commenced.
D. Pay the claim within a reasonable number of days after the final proof of loss has been
received. - Ans:✔✔-C. Deny the claim until a fair and prompt investigation has commenced.
Which of the following is not a claim settlement option?
A. Forcing the insured to sue by offering less than the claim is worth.
B. Repairing property.
C. Replacing with like kind and quality.
D. Replace with new - Ans:✔✔-A. Forcing the insured to sue by offering less than the claim is worth.
The giving up of a known right is called:
A. Estoppel
B. Violation of policy conditions
Page 2/120
, ©GRACEAMELIA 2024/2025 ACADEMIC YEAR. ALL RIGHTS RESERVED
FIRST PUBLISH OCTOBER 2024
C. Rebating
D. Waiver - Ans:✔✔-D. Waiver
An innocent party relies on certain statements made by the adjuster and is damaged as a
result. The guilty party may be legally prohibited from asserting that the fact does not exist
because of:
A. Waiver
B. Estoppel
C. Duties of the adjuster
D. Law of contract - Ans:✔✔-B. Estoppel
Should an insured fail to report a claim in a timely fashion the adjuster will usually:
A. Deny the claim.
B. Send the insured a reservation of rights letter.
C. Cease investigating.
D. Seek the advice of the company's attorney. - Ans:✔✔-B. Send the insured a reservation of rights letter.
Page 3/120
, ©GRACEAMELIA 2024/2025 ACADEMIC YEAR. ALL RIGHTS RESERVED
FIRST PUBLISH OCTOBER 2024
A company adjuster primarily represents the interests of:
A. The insured.
B. The claimant.
C. The insurer.
D. The public. - Ans:✔✔-C. The insurer.
An adjuster's license will usually be revoked for which of the following reasons:
A. Denying claims that are not covered.
B. Failing to report a change of address.
C. Having been convicted of a misdemeanor.
D. Having been convicted of a felony. - Ans:✔✔-D. Having been convicted of a felony.
The insured has been involved in an automobile accident and has sustained bodily injuries
and damage to the insured vehicle. The adjuster will usually:
A. Withhold any payment until all the bills have been reviewed for payment.
B. Pay to repair the vehicle and pay the medical bills later.
Page 4/120
