FLORIDA CERTIFIED ADJUSTER PRE LICENSING TEST ACTUAL TEST LATEST COMPLETE REAL QUESTIONS AND CORRECT VERIFIED ANSWERS (A NEW UPDATED VERSION)

FLORIDA CERTIFIED ADJUSTER PRE- g g g



g LICENSING (ACTUAL 2025) QUESTIONS WITH g g g g g



VERIFIED ANSWERS | LATEST g g g




Edward is a member of the Knights of Columbus, a religious gro
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up dedicated to voluntary service to the benefit of society. He als
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o recently purchased a $100,000 life insurance policy from the or
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ganization. This was possible because the Knights of Columbus i
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s:
a fraternal benefit society
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Jason's auto policy states that the insurer may cancel coverage if
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a premium is more than 30 days late. However, Jason is currently
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more than 30 days late, and has been so five times in the last year,
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and his insurer has done nothing about it. When Jason gets into an
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accident and files a claim, which of the following is most likely t
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o happen?
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The insurer will pay the claim because of the implied waiver th
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ey have made by not cancelling Jason's policy the previous tim
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es he was late with his payments
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,When a faulty electrode in a children's toy is recalled by ABC To
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ymakers Inc., it is a costly endeavor. Especially since ABC Toym
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akers Inc.'s base insurance policy doesn't cover product recalls.
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Which excess liability coverage could help pay for losses associa
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ted with the recall?
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A. Follow Form Policy
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B. Product Recall Policy
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C. Stand Alone Policy
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D. Umbrella Policy
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D. Umbrella Policy
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While Andrea was grocery shopping in BB Mart, the large Dairy
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sign fell off the wall and landed on her. Because of her extensive i
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njuries, Andrea sued BB Mart and was awarded
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$375,000 in damages. BB Mart's Commercial General Liability
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policy has a general aggregate limit of $1,000,000 and a per occ
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urrence limit of $300,000. What is the per occurrence limit after
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this claim is settled?
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$300,000




Randy owns a clothing store. One day, he notices a shady charact
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er with a backpack who is hanging around acting nervous. Randy
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becomes suspicious and approaches the
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,young man. As the boy makes an effort to avoid him, Randy grab
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s his arm and detains him until the police arrive. Not finding any
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stolen merchandise, the police let the boy go. Two weeks later Ra
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ndy is notified that he will be sued for violation of the young man'
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s civil rights. This is an example of what type of personal injury c
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overed under Randy's Commercial General Liability policy?
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False Arrest, Detention, or Imprisonment.
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The "Consent to Settle" clause in the Professional Liability polic
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y is best described as:
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a clause that requires the insured's approval before the insurance
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company discusses settlement options with a claimant.
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Medical payments coverage in a Farm policy includes all of the f
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ollowing EXCEPT: g




A. libel or slander.
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B. funeral costs.
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C. hospital benefits.
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D. dental benefits.
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A. libel or slander.
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, In order to set a yield guarantee for Maren's policy, Maren's agent
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will need a record of the last four years of her crop yields. This re
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cord is called: g g




an Actual Production History.
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Farmer Jane had an MPCI policy in place when her wheat field
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was ruined by a hail storm. Jane promptly plowed up the wheat a
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nd planted a cover crop. Two days later she filed a claim with her
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insurer. The claim was denied. What might be the reason for the
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denial?
Jane did not leave samples of the destroyed crop for the adjuster t
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o examine.
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Which Farm policy would cover animal waste overflow and che
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mical spills? g




Farm Pollution Liabilityg g




Which of the following statements about MPCI insurance is FAL
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SE?