FLORIDA PUBLIC ADJUSTER STATE TEST QUESTIONS
WITH DETAILED VERIFIED ANSWERS (100% CORRECT
ANSWERS) /2026ALREADY GRADED A+
Florida No-Fault Tort Exemption - CORRECT ANSWERS Those who comply with the law are granted limited immunity from suits of others through PIP
coverage.
4 Exceptions to Tort Exemption(Threshold of No-Fault) - CORRECT ANSWERS 1. Significant and Permanent loss of bodily function.
2.Permanent injury other than scarring and disfigurement.
3.Significant and Permanent scarring or disfigurement.
4.Death
What does NFIP stand for? - CORRECT ANSWERS National Flood Insurance Program
Form SR-22 - CORRECT ANSWERS Drivers Convicted of DUI or a traffic felony over the prior 3 years are required to have 100/300/50 coverage or a
certificate of self insurance of $350,000.
Contents of a CGL Contract - CORRECT ANSWERS 1.Declarations Form
2.Common Policy Conditions Form
3. One of:
A.Occurrence Form
B.Claims Made Form
4.Nuclear Energy Liability Exclusion Endorsement.
Declarations of a CGL Contract(4) - CORRECT ANSWERS 1.Named Insured(including address)
2.Policy Period
3.Premium
4.Limits of Coverage
7 Common CGL Conditions - CORRECT ANSWERS 1.Cancellation(30 Days by insurer option, 10 Days By no payment).
2.Changes
3.Examination of Books
4.Inspections and Surveys
5.Premiums
, 6.Transfer
7.Nuclear Endorsement
CGL Coverage A - CORRECT ANSWERS Bodily Injury and Property Damage Insuring Agreement
The 3 Conditions that define work as "completed" - CORRECT ANSWERS 1.When all work called for in the contract is completed.
2.When all work to be done at the site has been completed if one contract calls for work at more than one site.
3.When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor.
Occurance - CORRECT ANSWERS An accident, including continuous or repeated exposure to substantially the same general harmful conditions.
accident - CORRECT ANSWERS Sudden, unexpected event
The Difference between "Occurance" and "Claims Made" CGL Coverages - CORRECT ANSWERS The Coverage Trigger:
The Occurance Form applies to BI and PD regardless of any later time at which the claim is made.
The Claims-Made Form applies only to BI and PD that occurs on or after the "Retro-Active date"
Retro-Active Date - CORRECT ANSWERS The date on which the coverage legally began.
Basic Extended Reporting Period for CGL - CORRECT ANSWERS 60 Days after expiration
Why is the term "Coverage Trigger" misleading? - CORRECT ANSWERS Because it intends to refer to the time period during which the insurance contract
is in effect.
Umbrella - CORRECT ANSWERS Covers Excessive Liability
A Homeowners Policy consists of(3 components): - CORRECT ANSWERS 1.Declarations
2.One of 6 Homeowners forms
3.Mandatory and optional endorsements
If a unit is co-owned, May one co-owner be insured as the renter(HO-4)? - CORRECT ANSWERS Yes
What are the two main divisions of a Home Owners Form? - CORRECT ANSWERS Section I-Property
WITH DETAILED VERIFIED ANSWERS (100% CORRECT
ANSWERS) /2026ALREADY GRADED A+
Florida No-Fault Tort Exemption - CORRECT ANSWERS Those who comply with the law are granted limited immunity from suits of others through PIP
coverage.
4 Exceptions to Tort Exemption(Threshold of No-Fault) - CORRECT ANSWERS 1. Significant and Permanent loss of bodily function.
2.Permanent injury other than scarring and disfigurement.
3.Significant and Permanent scarring or disfigurement.
4.Death
What does NFIP stand for? - CORRECT ANSWERS National Flood Insurance Program
Form SR-22 - CORRECT ANSWERS Drivers Convicted of DUI or a traffic felony over the prior 3 years are required to have 100/300/50 coverage or a
certificate of self insurance of $350,000.
Contents of a CGL Contract - CORRECT ANSWERS 1.Declarations Form
2.Common Policy Conditions Form
3. One of:
A.Occurrence Form
B.Claims Made Form
4.Nuclear Energy Liability Exclusion Endorsement.
Declarations of a CGL Contract(4) - CORRECT ANSWERS 1.Named Insured(including address)
2.Policy Period
3.Premium
4.Limits of Coverage
7 Common CGL Conditions - CORRECT ANSWERS 1.Cancellation(30 Days by insurer option, 10 Days By no payment).
2.Changes
3.Examination of Books
4.Inspections and Surveys
5.Premiums
, 6.Transfer
7.Nuclear Endorsement
CGL Coverage A - CORRECT ANSWERS Bodily Injury and Property Damage Insuring Agreement
The 3 Conditions that define work as "completed" - CORRECT ANSWERS 1.When all work called for in the contract is completed.
2.When all work to be done at the site has been completed if one contract calls for work at more than one site.
3.When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor.
Occurance - CORRECT ANSWERS An accident, including continuous or repeated exposure to substantially the same general harmful conditions.
accident - CORRECT ANSWERS Sudden, unexpected event
The Difference between "Occurance" and "Claims Made" CGL Coverages - CORRECT ANSWERS The Coverage Trigger:
The Occurance Form applies to BI and PD regardless of any later time at which the claim is made.
The Claims-Made Form applies only to BI and PD that occurs on or after the "Retro-Active date"
Retro-Active Date - CORRECT ANSWERS The date on which the coverage legally began.
Basic Extended Reporting Period for CGL - CORRECT ANSWERS 60 Days after expiration
Why is the term "Coverage Trigger" misleading? - CORRECT ANSWERS Because it intends to refer to the time period during which the insurance contract
is in effect.
Umbrella - CORRECT ANSWERS Covers Excessive Liability
A Homeowners Policy consists of(3 components): - CORRECT ANSWERS 1.Declarations
2.One of 6 Homeowners forms
3.Mandatory and optional endorsements
If a unit is co-owned, May one co-owner be insured as the renter(HO-4)? - CORRECT ANSWERS Yes
What are the two main divisions of a Home Owners Form? - CORRECT ANSWERS Section I-Property
