Page 1 of 56
FLORIDA ADJUSTER EXAM COVERING ALL ACTUAL
PRACTICE QUESTIONS ANSWERED CORRECTLY
RECENT VERSION 2025 BEST GRADE 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
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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
FLORIDA ADJUSTER EXAM COVERING ALL ACTUAL
PRACTICE QUESTIONS ANSWERED CORRECTLY
RECENT VERSION 2025 BEST GRADE 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
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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
