Progressive Florida Claims Adjuster Exam
Questions and Answers 2025-2026( A+
GRADED 100% VERIFIED).
Claim - ANS-An assertion of an alleged legal right against a person, entity, company or insurer
that carries with it a demand for money as compensation for injuries or damage
What are you really buying when you purchase insurance? - ANS-Peace of mind
Why is insurance such a unique product? - ANS-It is a financial product. The purchase of a
promise base totally on trust that is absolutely essential in today's world.
First foremost and always what is an adjuster's most important objective in today's world of
insurance? - ANS-To help those who have been injured, or who have suffered a loss that is
covered by the insurance contract or for which an insured policy holder is responsible while at
the same time minimizing loss for the insured party and or carrier
In today's society, the most important factor in the purchase of insurance is - ANS-Trust
What would Joe do as an adjuster? - ANS-INVESTIGATE, EVALUATE, AND SETTLE
INSURANCE CLAIMS ON BEHALF OF AN INSURER OR INSURED.
Joe saw an ad in the paper..... difference between an adjuster who works in the healthcare
industry versus an adjuster in the property/casualty, insurance industry. What would you say? -
ANS-Healthcare adjusters are processors, who reimburse medical bills if they fall within a list of
approved conditions or treatment. A property/casualty adjuster evaluates a legal responsibilities,
determines what or how much is owed and pays or settles claims.
If Joe, where to go to work for an insurance company, what kind of adjuster with Joe be? -
ANS-A company/staff adjuster
Joe is really intrigued by his neighbors work and ask him who he works for. His neighbor told
him that he owns his own adjusting company and adjust claims are several different companies.
In other words he takes claim assignments from whoever calls. What kind of adjuster is he? -
ANS-An independent adjuster
,Joe's neighbor tells him that field adjusting is "the best job in the insurance industry". Joe
doesn't envision himself sitting behind a desk, so he is intrigued by this as well and white lines
of business business with Joe need to experience to have the greatest chance of getting a good
field adjusting job - ANS-Multi-line adjusting
Joe sister is a nurse who works in a nearby hospital. As he talks to her about his interest, she
asked him what type of adjusting she would be most qualified for if she were interested, which
kind of adjusting would present her with the greatest opportunity? What would you tell her? -
ANS-Worker's compensation
Joe's neighbor told him that he really prefers working with litigated claims dealing with the
lawyers, getting it in negotiations and going to depositions and trials. What kind of claims does
Joe's neighbor prefer? - ANS-Liability adjusting
If Joe, we're just strictly handle, hurricane tornado hellfire, and other claims of this nature, what
line of business would Joe be adjusting - ANS-Property
While driving home from an interview, Joe was rear ended. He's not injured so he makes a claim
against the other drivers insurance policy for damages to his vehicle. The person taking the
claim advises Joe that he will be contacted within 24 hours by an adjuster. From what type of
adjuster will Joe likely hear? - ANS-An auto physical damage adjuster
The claims manager told Joe a story of one of the best adjusters he had ever known, and how
he had been forced to fire the man because he just would not document to clean files with
ongoing status. What kind of responsibility did the adjuster fail to fulfill? - ANS-Communicating
and reporting
The claims manager then told Joe a story about one adjuster who made a deal with a body
shop to pay the adjuster $100 for every damaged automobile that he referred, referred for
repair. The adjuster is ultimately fired. What responsibility did that adjuster fail to fulfill? -
ANS-Fiduciary responsibility
The claims manager also told about a young adjuster who lost his temper and cursed out an
insured policyholder. He was arguing about a claim the adjuster has denied. The insured
policyholder sued the company and collected $50,000 for slander in the embarrassment caused
the insured what responsibility did that adjuster fail to fulfill? - ANS-Agency: the power to bind
Which of the following is NOT one of the basic adjusting functions? - ANS-Inspection
Which of the following best describes the functions of claims evaluation? - ANS-Establishing a
dollar value for a claim
In which of the following settlement types, would you pay what is owed and invite the claimant to
contact you with any further expenses or questions? - ANS-No release "walk away"
, True or false; an adjuster's claim file is considered "work product" and therefore confidential -
ANS-False
The main components of the investigative process are: - ANS-Inquiry verification and
comparison
The adjusters code of ethics starts with a basic premise, which states: - ANS-The work of
adjusting engages the public trust
Which of the following would not be a preferred claims practice or behavior under Florida's
unfair insurance, trade practices act? - ANS-Not responding to an insured's calls because you
haven't made up your mind yet
Upon conclusion of a claims, investigation and adjuster determines if there was no coverage in
effect for the loss and denies the claim. The adjuster later received notification that he in the
carrier being sued due to a violation of Florida's unfair insurance trade practices act. Which of
the following actions in the adjusters claim handling process would be considered a violation of
the act? - ANS-The adjuster inform the policyholders attorney of the denial over the phone,
closed the file and moved onto his next case
Which of the following is not one of the four critical elements of a contract - ANS-Written
evidence of the agreement and its terms.
An insurance policy is often referred to as a contract of adhesion. This means: - ANS-If any of
the wording or language in the policy is vague or ambiguous, if the meaning of the wording is
difficult to understand or interpret, or if what is written can be interpreted to have different
meanings, the law is well settled that the interpretation shall be in favor of the party who did not
control its terms...in this case, the policyholder.
Breach of contract to buy a carrier or it's adjusters, through non-payment, or noncompliance
with policy requirements, could have which of the following consequences for a carrier: - ANS-If
found guilty of a breach of contract, the carrier could be punished with a bad faith verdict that
would cost it millions of dollars
Which of the following is not a fundamental part of an insurance policy: - ANS-endorsement
Which of the following is one of the duties of an insured following a loss? - ANS-giving prompt
notice of loss to the insurer
What is the difference between a peril and a hazard? - ANS-Apparel is a cause of loss like fire.
A hazard is a condition that exist beforehand that increases the likelihood of such a loss like a
messy store room or garage that contains lots of toxic chemicals, oily rags etc
Questions and Answers 2025-2026( A+
GRADED 100% VERIFIED).
Claim - ANS-An assertion of an alleged legal right against a person, entity, company or insurer
that carries with it a demand for money as compensation for injuries or damage
What are you really buying when you purchase insurance? - ANS-Peace of mind
Why is insurance such a unique product? - ANS-It is a financial product. The purchase of a
promise base totally on trust that is absolutely essential in today's world.
First foremost and always what is an adjuster's most important objective in today's world of
insurance? - ANS-To help those who have been injured, or who have suffered a loss that is
covered by the insurance contract or for which an insured policy holder is responsible while at
the same time minimizing loss for the insured party and or carrier
In today's society, the most important factor in the purchase of insurance is - ANS-Trust
What would Joe do as an adjuster? - ANS-INVESTIGATE, EVALUATE, AND SETTLE
INSURANCE CLAIMS ON BEHALF OF AN INSURER OR INSURED.
Joe saw an ad in the paper..... difference between an adjuster who works in the healthcare
industry versus an adjuster in the property/casualty, insurance industry. What would you say? -
ANS-Healthcare adjusters are processors, who reimburse medical bills if they fall within a list of
approved conditions or treatment. A property/casualty adjuster evaluates a legal responsibilities,
determines what or how much is owed and pays or settles claims.
If Joe, where to go to work for an insurance company, what kind of adjuster with Joe be? -
ANS-A company/staff adjuster
Joe is really intrigued by his neighbors work and ask him who he works for. His neighbor told
him that he owns his own adjusting company and adjust claims are several different companies.
In other words he takes claim assignments from whoever calls. What kind of adjuster is he? -
ANS-An independent adjuster
,Joe's neighbor tells him that field adjusting is "the best job in the insurance industry". Joe
doesn't envision himself sitting behind a desk, so he is intrigued by this as well and white lines
of business business with Joe need to experience to have the greatest chance of getting a good
field adjusting job - ANS-Multi-line adjusting
Joe sister is a nurse who works in a nearby hospital. As he talks to her about his interest, she
asked him what type of adjusting she would be most qualified for if she were interested, which
kind of adjusting would present her with the greatest opportunity? What would you tell her? -
ANS-Worker's compensation
Joe's neighbor told him that he really prefers working with litigated claims dealing with the
lawyers, getting it in negotiations and going to depositions and trials. What kind of claims does
Joe's neighbor prefer? - ANS-Liability adjusting
If Joe, we're just strictly handle, hurricane tornado hellfire, and other claims of this nature, what
line of business would Joe be adjusting - ANS-Property
While driving home from an interview, Joe was rear ended. He's not injured so he makes a claim
against the other drivers insurance policy for damages to his vehicle. The person taking the
claim advises Joe that he will be contacted within 24 hours by an adjuster. From what type of
adjuster will Joe likely hear? - ANS-An auto physical damage adjuster
The claims manager told Joe a story of one of the best adjusters he had ever known, and how
he had been forced to fire the man because he just would not document to clean files with
ongoing status. What kind of responsibility did the adjuster fail to fulfill? - ANS-Communicating
and reporting
The claims manager then told Joe a story about one adjuster who made a deal with a body
shop to pay the adjuster $100 for every damaged automobile that he referred, referred for
repair. The adjuster is ultimately fired. What responsibility did that adjuster fail to fulfill? -
ANS-Fiduciary responsibility
The claims manager also told about a young adjuster who lost his temper and cursed out an
insured policyholder. He was arguing about a claim the adjuster has denied. The insured
policyholder sued the company and collected $50,000 for slander in the embarrassment caused
the insured what responsibility did that adjuster fail to fulfill? - ANS-Agency: the power to bind
Which of the following is NOT one of the basic adjusting functions? - ANS-Inspection
Which of the following best describes the functions of claims evaluation? - ANS-Establishing a
dollar value for a claim
In which of the following settlement types, would you pay what is owed and invite the claimant to
contact you with any further expenses or questions? - ANS-No release "walk away"
, True or false; an adjuster's claim file is considered "work product" and therefore confidential -
ANS-False
The main components of the investigative process are: - ANS-Inquiry verification and
comparison
The adjusters code of ethics starts with a basic premise, which states: - ANS-The work of
adjusting engages the public trust
Which of the following would not be a preferred claims practice or behavior under Florida's
unfair insurance, trade practices act? - ANS-Not responding to an insured's calls because you
haven't made up your mind yet
Upon conclusion of a claims, investigation and adjuster determines if there was no coverage in
effect for the loss and denies the claim. The adjuster later received notification that he in the
carrier being sued due to a violation of Florida's unfair insurance trade practices act. Which of
the following actions in the adjusters claim handling process would be considered a violation of
the act? - ANS-The adjuster inform the policyholders attorney of the denial over the phone,
closed the file and moved onto his next case
Which of the following is not one of the four critical elements of a contract - ANS-Written
evidence of the agreement and its terms.
An insurance policy is often referred to as a contract of adhesion. This means: - ANS-If any of
the wording or language in the policy is vague or ambiguous, if the meaning of the wording is
difficult to understand or interpret, or if what is written can be interpreted to have different
meanings, the law is well settled that the interpretation shall be in favor of the party who did not
control its terms...in this case, the policyholder.
Breach of contract to buy a carrier or it's adjusters, through non-payment, or noncompliance
with policy requirements, could have which of the following consequences for a carrier: - ANS-If
found guilty of a breach of contract, the carrier could be punished with a bad faith verdict that
would cost it millions of dollars
Which of the following is not a fundamental part of an insurance policy: - ANS-endorsement
Which of the following is one of the duties of an insured following a loss? - ANS-giving prompt
notice of loss to the insurer
What is the difference between a peril and a hazard? - ANS-Apparel is a cause of loss like fire.
A hazard is a condition that exist beforehand that increases the likelihood of such a loss like a
messy store room or garage that contains lots of toxic chemicals, oily rags etc
