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Florida Claims Adjuster Exam COMPLETE Questions and
Verified Solutions Latest Update This Year
QUESTION: 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.
QUESTION: The Loss Settlement Valuation that subtracts an allowance for depreciation is
defined as?
A. Actual Cash Value
B. Replacement Cost
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C. "Old for New"
D. None of the Above - ANSWER-A. Actual Cash Value
QUESTION: A policy condition, either based on information in the insured's application or
inserted by the insurer, is defined as:
A. Warranty
B. Misrepresentation
C. Concealment
D. None of the Above - ANSWER-A. Warranty
QUESTION: The following are basic characteristics of a property or liability insurance contract,
except:
A. Personal Contract
B. Conditional Contract
C. Loss of Settlement Contract
D. Contract of Adhesion - ANSWER-C. Loss of Settlement Contract
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QUESTION: The Insurer's responsibility to pay for a property loss may be conditioned on the
insured having used reasonable means to avoid the loss, to protect the property against further
loss, and to give the insurer proof of the loss is defined as?
A. Conditional Contract
B. Adhesion Contract
C. Indemnity Contract
D. All of the Above - ANSWER-A. Conditional Contract
"may be conditioned"
QUESTION: Which of the following is not one of the "Thresholds" in the "No-Fault" law?
A. Death of the Insured
B. Temporary Injury of the Insured
C. A permanent loss of a bodily function
D. Permanent scarring on the face of the insured - ANSWER-B. Temporary Injury of the Insured
Also included: permanent injury other than scarring and disfigurement
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QUESTION: Under Mechanical Breakdown Coverage, new cars are eligible for service up to:
A. 36 Months/36,000 Miles
B. 24 Months/36,000 Miles
C. 12,000 Months/12,000 Miles
D. 12 Months/36,000 Miles - ANSWER-A. 36 Months/36,000 Miles
Used vehicles: 12 Months/12,000 Miles
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.
Florida Claims Adjuster Exam COMPLETE Questions and
Verified Solutions Latest Update This Year
QUESTION: 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.
QUESTION: The Loss Settlement Valuation that subtracts an allowance for depreciation is
defined as?
A. Actual Cash Value
B. Replacement Cost
, Page 2 of 88
C. "Old for New"
D. None of the Above - ANSWER-A. Actual Cash Value
QUESTION: A policy condition, either based on information in the insured's application or
inserted by the insurer, is defined as:
A. Warranty
B. Misrepresentation
C. Concealment
D. None of the Above - ANSWER-A. Warranty
QUESTION: The following are basic characteristics of a property or liability insurance contract,
except:
A. Personal Contract
B. Conditional Contract
C. Loss of Settlement Contract
D. Contract of Adhesion - ANSWER-C. Loss of Settlement Contract
, Page 3 of 88
QUESTION: The Insurer's responsibility to pay for a property loss may be conditioned on the
insured having used reasonable means to avoid the loss, to protect the property against further
loss, and to give the insurer proof of the loss is defined as?
A. Conditional Contract
B. Adhesion Contract
C. Indemnity Contract
D. All of the Above - ANSWER-A. Conditional Contract
"may be conditioned"
QUESTION: Which of the following is not one of the "Thresholds" in the "No-Fault" law?
A. Death of the Insured
B. Temporary Injury of the Insured
C. A permanent loss of a bodily function
D. Permanent scarring on the face of the insured - ANSWER-B. Temporary Injury of the Insured
Also included: permanent injury other than scarring and disfigurement
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QUESTION: Under Mechanical Breakdown Coverage, new cars are eligible for service up to:
A. 36 Months/36,000 Miles
B. 24 Months/36,000 Miles
C. 12,000 Months/12,000 Miles
D. 12 Months/36,000 Miles - ANSWER-A. 36 Months/36,000 Miles
Used vehicles: 12 Months/12,000 Miles
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.
