FLORIDA CLAIMS ADJUSTER LATEST
UPDATED FINAL 2025 EXAM WITH
QUESTIONS AND CORRECT VERIFIED
ANSWERS ALREADY RATED A+
Frank owned a home that was destroyed by a hurricane.
Both ABC and XYZ Banks were listed as additional
interests on his homeowner policy. The insurance
company will make a payment to:
A. The first mortgagee, ABC
B. The Insured
C. Jointly to ABC and XYZ
D. All listed interests
ANSWER-D. All listed interests
Remember that the insurer is not responsible to know
the degrees of interest. In the event of a loss, one
,payment is made by the insurer and it is up to the
additional interests on working out their share.
Insurance applies separately to each insured as if other
insureds did not exist. This is defined as:
A. Severability
B. Conditional
C. Warranty
D. None of the above
ANSWER-A. Severability
Property insurance policies usually contain a(n)
__________ clause, stating the insured cannot dump
damaged property on the insurer and demand its full
value:
A. Pro Rata
B. Abandonment
C. Liberalization
,D. All of the above
ANSWER-B. Abandonment
A(n) __________ is one wherein economic loss would be
suffered from an adverse happening to the subject:
A. Conditional Contract
B. Personal Contract
C. Economic Contract
D. Insurable Interest
ANSWER-D. Insurable Interest
States that if the insurer adopts a revision which would
broaden coverage without additional premium within
some period of time prior to the policy period or during
the policy period, the insured receives the benefit of such
broadened coverage.
A. Cancellation Clause
B. Policy Period
, C. Pro Rata
D. Liberalization
ANSWER-D. Liberalization
The time frame is typically 60 days.
The __________ states that when there is an unbroken
connection between an occurrence and damage that
grows out of the occurrence, then the resultant damage
is all a part of the occurrence.
A. Doctrine of Proximate Cause
B. Doctrine of Perils & Hazards
C. Insurance Policy Handbook
D. Doctrine of Property Insurance
ANSWER-A. Doctrine of Proximate Cause
For example, if a property insurance policy covers the
peril of fire but further damage is caused by smoke,
water used to extinguish, and the process of moving
property away - fire is considered to be the proximate
cause of all of the damage.
UPDATED FINAL 2025 EXAM WITH
QUESTIONS AND CORRECT VERIFIED
ANSWERS ALREADY RATED A+
Frank owned a home that was destroyed by a hurricane.
Both ABC and XYZ Banks were listed as additional
interests on his homeowner policy. The insurance
company will make a payment to:
A. The first mortgagee, ABC
B. The Insured
C. Jointly to ABC and XYZ
D. All listed interests
ANSWER-D. All listed interests
Remember that the insurer is not responsible to know
the degrees of interest. In the event of a loss, one
,payment is made by the insurer and it is up to the
additional interests on working out their share.
Insurance applies separately to each insured as if other
insureds did not exist. This is defined as:
A. Severability
B. Conditional
C. Warranty
D. None of the above
ANSWER-A. Severability
Property insurance policies usually contain a(n)
__________ clause, stating the insured cannot dump
damaged property on the insurer and demand its full
value:
A. Pro Rata
B. Abandonment
C. Liberalization
,D. All of the above
ANSWER-B. Abandonment
A(n) __________ is one wherein economic loss would be
suffered from an adverse happening to the subject:
A. Conditional Contract
B. Personal Contract
C. Economic Contract
D. Insurable Interest
ANSWER-D. Insurable Interest
States that if the insurer adopts a revision which would
broaden coverage without additional premium within
some period of time prior to the policy period or during
the policy period, the insured receives the benefit of such
broadened coverage.
A. Cancellation Clause
B. Policy Period
, C. Pro Rata
D. Liberalization
ANSWER-D. Liberalization
The time frame is typically 60 days.
The __________ states that when there is an unbroken
connection between an occurrence and damage that
grows out of the occurrence, then the resultant damage
is all a part of the occurrence.
A. Doctrine of Proximate Cause
B. Doctrine of Perils & Hazards
C. Insurance Policy Handbook
D. Doctrine of Property Insurance
ANSWER-A. Doctrine of Proximate Cause
For example, if a property insurance policy covers the
peril of fire but further damage is caused by smoke,
water used to extinguish, and the process of moving
property away - fire is considered to be the proximate
cause of all of the damage.
