Florida 3-20 Public Adjusters State Exam (Set 1)| 140
QUESTIONS and ANSWERS
Course
Claims Adjuster
1. What is the primary role of a Florida 3-20 Public Adjuster?
A) Represent insurance companies in claim disputes
B) Adjust claims on behalf of the state government
C) Assist policyholders in negotiating and settling insurance claims
D) Provide legal advice regarding insurance claims
✅ Answer: C) Assist policyholders in negotiating and settling insurance claims
2. Under Florida law, how long does a public adjuster have to notify the insurer after
entering a contract with a policyholder?
A) 24 hours
B) 3 days
C) 7 days
D) 14 days
✅ Answer: C) 7 days
3. Which of the following actions is prohibited for a public adjuster in Florida?
A) Charging a fee based on the claim settlement amount
B) Soliciting business within 48 hours of a disaster
C) Advising a policyholder on settlement options
D) Preparing estimates for property repairs
✅ Answer: B) Soliciting business within 48 hours of a disaster
4. What is the maximum fee a public adjuster can charge for claims related to a declared
disaster in Florida?
A) 5%
B) 10%
C) 15%
,D) 20%
✅ Answer: B) 10%
5. A public adjuster contract must include which of the following details?
A) The policyholder’s credit score
B) The expected time frame for claim resolution
C) The total claim amount before the loss occurs
D) The adjuster’s license number and fee structure
✅ Answer: D) The adjuster’s license number and fee structure
6. Which entity regulates public adjusters in Florida?
A) The Federal Insurance Office (FIO)
B) The Florida Department of Financial Services (DFS)
C) The Florida Chamber of Commerce
D) The National Association of Insurance Commissioners (NAIC)
✅ Answer: B) The Florida Department of Financial Services (DFS)
7. What must a public adjuster do before representing a policyholder in Florida?
A) Obtain a written contract signed by the policyholder
B) Notify the insurance company within 48 hours
C) Conduct an initial damage assessment
D) Complete a 12-hour ethics course
✅ Answer: A) Obtain a written contract signed by the policyholder
8. Which of the following statements about a public adjuster’s role is TRUE?
A) A public adjuster can negotiate claim settlements directly with insurance regulators
B) A public adjuster works exclusively for the insurance company
C) A public adjuster can only charge fees if the claim is successfully settled
D) A public adjuster represents the policyholder’s interests in the claims process
✅ Answer: D) A public adjuster represents the policyholder’s interests in the claims
process
9. What is the required continuing education for a licensed public adjuster in Florida?
,A) 10 hours every two years
B) 15 hours every two years
C) 24 hours every two years
D) 30 hours every two years
✅ Answer: C) 24 hours every two years
10. When can a public adjuster in Florida begin advertising their services after a declared
emergency?
A) Immediately after the disaster occurs
B) 24 hours after the emergency declaration
C) 48 hours after the emergency declaration
D) 72 hours after the emergency declaration
✅ Answer: D) 72 hours after the emergency declaration
11. Which of the following is NOT a duty of a public adjuster in Florida?
A) Evaluating damage to insured property
B) Filing a lawsuit on behalf of a policyholder
C) Negotiating settlements with insurance companies
D) Advising policyholders on the claims process
✅ Answer: B) Filing a lawsuit on behalf of a policyholder
12. Under Florida law, what is the cooling-off period in which a policyholder may cancel a
public adjuster contract without penalty?
A) 24 hours
B) 3 days
C) 5 days
D) 10 days
✅ Answer: C) 5 days
13. Which type of claim does a Florida public adjuster typically handle?
A) Workers' compensation claims
B) Life insurance claims
C) Property damage claims
, D) Disability claims
✅ Answer: C) Property damage claims
14. A public adjuster may NOT charge more than what percentage for a non-catastrophic
property damage claim?
A) 5%
B) 10%
C) 15%
D) 20%
✅ Answer: D) 20%
15. What is the purpose of a proof of loss document in an insurance claim?
A) To cancel the insurance policy
B) To provide evidence supporting the amount of the claim
C) To allow the insurer to delay the claim settlement
D) To prevent the insured from filing another claim
✅ Answer: B) To provide evidence supporting the amount of the claim
16. Which of the following actions is considered an unfair claims practice by an insurance
company in Florida?
A) Denying a fraudulent claim
B) Delaying claim payments without justification
C) Investigating a suspicious claim
D) Offering an appraisal process to settle disputes
✅ Answer: B) Delaying claim payments without justification
17. How long does an insurance company in Florida have to acknowledge a claim once it is
reported?
A) 24 hours
B) 3 days
C) 7 days
D) 14 days
✅ Answer: D) 14 days
QUESTIONS and ANSWERS
Course
Claims Adjuster
1. What is the primary role of a Florida 3-20 Public Adjuster?
A) Represent insurance companies in claim disputes
B) Adjust claims on behalf of the state government
C) Assist policyholders in negotiating and settling insurance claims
D) Provide legal advice regarding insurance claims
✅ Answer: C) Assist policyholders in negotiating and settling insurance claims
2. Under Florida law, how long does a public adjuster have to notify the insurer after
entering a contract with a policyholder?
A) 24 hours
B) 3 days
C) 7 days
D) 14 days
✅ Answer: C) 7 days
3. Which of the following actions is prohibited for a public adjuster in Florida?
A) Charging a fee based on the claim settlement amount
B) Soliciting business within 48 hours of a disaster
C) Advising a policyholder on settlement options
D) Preparing estimates for property repairs
✅ Answer: B) Soliciting business within 48 hours of a disaster
4. What is the maximum fee a public adjuster can charge for claims related to a declared
disaster in Florida?
A) 5%
B) 10%
C) 15%
,D) 20%
✅ Answer: B) 10%
5. A public adjuster contract must include which of the following details?
A) The policyholder’s credit score
B) The expected time frame for claim resolution
C) The total claim amount before the loss occurs
D) The adjuster’s license number and fee structure
✅ Answer: D) The adjuster’s license number and fee structure
6. Which entity regulates public adjusters in Florida?
A) The Federal Insurance Office (FIO)
B) The Florida Department of Financial Services (DFS)
C) The Florida Chamber of Commerce
D) The National Association of Insurance Commissioners (NAIC)
✅ Answer: B) The Florida Department of Financial Services (DFS)
7. What must a public adjuster do before representing a policyholder in Florida?
A) Obtain a written contract signed by the policyholder
B) Notify the insurance company within 48 hours
C) Conduct an initial damage assessment
D) Complete a 12-hour ethics course
✅ Answer: A) Obtain a written contract signed by the policyholder
8. Which of the following statements about a public adjuster’s role is TRUE?
A) A public adjuster can negotiate claim settlements directly with insurance regulators
B) A public adjuster works exclusively for the insurance company
C) A public adjuster can only charge fees if the claim is successfully settled
D) A public adjuster represents the policyholder’s interests in the claims process
✅ Answer: D) A public adjuster represents the policyholder’s interests in the claims
process
9. What is the required continuing education for a licensed public adjuster in Florida?
,A) 10 hours every two years
B) 15 hours every two years
C) 24 hours every two years
D) 30 hours every two years
✅ Answer: C) 24 hours every two years
10. When can a public adjuster in Florida begin advertising their services after a declared
emergency?
A) Immediately after the disaster occurs
B) 24 hours after the emergency declaration
C) 48 hours after the emergency declaration
D) 72 hours after the emergency declaration
✅ Answer: D) 72 hours after the emergency declaration
11. Which of the following is NOT a duty of a public adjuster in Florida?
A) Evaluating damage to insured property
B) Filing a lawsuit on behalf of a policyholder
C) Negotiating settlements with insurance companies
D) Advising policyholders on the claims process
✅ Answer: B) Filing a lawsuit on behalf of a policyholder
12. Under Florida law, what is the cooling-off period in which a policyholder may cancel a
public adjuster contract without penalty?
A) 24 hours
B) 3 days
C) 5 days
D) 10 days
✅ Answer: C) 5 days
13. Which type of claim does a Florida public adjuster typically handle?
A) Workers' compensation claims
B) Life insurance claims
C) Property damage claims
, D) Disability claims
✅ Answer: C) Property damage claims
14. A public adjuster may NOT charge more than what percentage for a non-catastrophic
property damage claim?
A) 5%
B) 10%
C) 15%
D) 20%
✅ Answer: D) 20%
15. What is the purpose of a proof of loss document in an insurance claim?
A) To cancel the insurance policy
B) To provide evidence supporting the amount of the claim
C) To allow the insurer to delay the claim settlement
D) To prevent the insured from filing another claim
✅ Answer: B) To provide evidence supporting the amount of the claim
16. Which of the following actions is considered an unfair claims practice by an insurance
company in Florida?
A) Denying a fraudulent claim
B) Delaying claim payments without justification
C) Investigating a suspicious claim
D) Offering an appraisal process to settle disputes
✅ Answer: B) Delaying claim payments without justification
17. How long does an insurance company in Florida have to acknowledge a claim once it is
reported?
A) 24 hours
B) 3 days
C) 7 days
D) 14 days
✅ Answer: D) 14 days
