2025–2026 | Florida 3-20 Public Adjuster License Exam Prep | Complete
Public Adjuster Certification Study Guide with Verified Exam Questions &
Answers, Detailed Rationales, Florida Statutes, Claims Handling, Ethics,
Policy Interpretation & Real-World Adjusting Scenarios
Question 1:
What is the primary role of a public adjuster in Florida?
A) To represent insurance companies in claims
B) To provide legal advice in insurance matters
C) To represent clients in the negotiation of insurance claims
D) To handle insurance premiums collection
CORRECT ANSWER: C
Rationale: A public adjuster represents the policyholder and assists them in negotiating
their insurance claims, ensuring that they receive the compensation they deserve.
Question 2:
Under Florida law, how long does a public adjuster have to submit an initial claim to
the insurer?
A) 60 days
B) 90 days
C) 120 days
D) 30 days
CORRECT ANSWER: B
Rationale: Florida law requires that public adjusters submit an initial claim to the
insurer within 90 days of the loss.
Question 3:
Which of the following must public adjusters disclose to their clients?
A) Their personal insurance history
B) Their fees and commission structure
C) The number of clients they currently represent
D) Previous claims they have handled
CORRECT ANSWER: B
Rationale: Public adjusters are required to provide a clear disclosure of their fees and
commission structure to ensure transparency in their dealings with clients.
Question 4:
,In Florida, a public adjuster cannot charge a fee based on which of the following?
A) Percentage of the settlement
B) Percentage of the policy limits
C) Hourly rate
D) Flat fee
CORRECT ANSWER: B
Rationale: It is prohibited for public adjusters to charge fees based on a percentage of
the policy limits rather than the settlement amount.
Question 5:
What is the maximum amount of time a public adjuster can retain information
related to a client's claim after the claim is settled?
A) 3 years
B) 5 years
C) 10 years
D) 1 year
CORRECT ANSWER: A
Rationale: Public adjusters must retain information related to a client's claim for a
minimum of three years after the claim is settled as part of their regulatory compliance.
Question 6:
Which document is required for a public adjuster to legally represent a client?
A) A letter of acknowledgment
B) A written contract
C) A verbal agreement
D) A power of attorney
CORRECT ANSWER: B
Rationale: A public adjuster must have a written contract with the client that outlines
the scope of services and fee arrangements, ensuring both parties understand the
terms of representation.
Question 7:
What is the maximum fee a public adjuster can charge in Florida based on the
settlement amount?
A) 10%
B) 20%
, C) 15%
D) 25%
CORRECT ANSWER: B
Rationale: Florida law caps the fee for public adjusters at 20% of the settlement
amount, ensuring that clients are not overcharged for services.
Question 8:
When representing a homeowner for a property damage claim, what is a public
adjuster’s duty regarding the claim submission?
A) To file the claim without informing the client
B) To assist the client in preparing and filing the claim
C) To refuse to file claims with certain insurers
D) To prepare the claim only after client payment
CORRECT ANSWER: B
Rationale: A public adjuster's primary duty is to assist the client in preparing and filing
their claim accurately to maximize their reimbursement.
Question 9:
Which of the following constitutes a conflict of interest for a public adjuster?
A) Working with another public adjuster
B) Representing both the insurer and the insured on the same claim
C) Filing claims in multiple counties
D) Assisting in the claims processing
CORRECT ANSWER: B
Rationale: Representing both parties creates a conflict of interest, as the adjuster's
duty to each party would compromise their ability to act impartially.
Question 10:
In what situation is a public adjuster allowed to charge an upfront fee?
A) For initial consultations
B) For non-contingent fee agreements
C) For filing the claim
D) For submitting documentation
CORRECT ANSWER: B
Rationale: Public adjusters may charge upfront fees only if they have a non-contingent
fee agreement, where payment is not based on the claim outcome.
Public Adjuster Certification Study Guide with Verified Exam Questions &
Answers, Detailed Rationales, Florida Statutes, Claims Handling, Ethics,
Policy Interpretation & Real-World Adjusting Scenarios
Question 1:
What is the primary role of a public adjuster in Florida?
A) To represent insurance companies in claims
B) To provide legal advice in insurance matters
C) To represent clients in the negotiation of insurance claims
D) To handle insurance premiums collection
CORRECT ANSWER: C
Rationale: A public adjuster represents the policyholder and assists them in negotiating
their insurance claims, ensuring that they receive the compensation they deserve.
Question 2:
Under Florida law, how long does a public adjuster have to submit an initial claim to
the insurer?
A) 60 days
B) 90 days
C) 120 days
D) 30 days
CORRECT ANSWER: B
Rationale: Florida law requires that public adjusters submit an initial claim to the
insurer within 90 days of the loss.
Question 3:
Which of the following must public adjusters disclose to their clients?
A) Their personal insurance history
B) Their fees and commission structure
C) The number of clients they currently represent
D) Previous claims they have handled
CORRECT ANSWER: B
Rationale: Public adjusters are required to provide a clear disclosure of their fees and
commission structure to ensure transparency in their dealings with clients.
Question 4:
,In Florida, a public adjuster cannot charge a fee based on which of the following?
A) Percentage of the settlement
B) Percentage of the policy limits
C) Hourly rate
D) Flat fee
CORRECT ANSWER: B
Rationale: It is prohibited for public adjusters to charge fees based on a percentage of
the policy limits rather than the settlement amount.
Question 5:
What is the maximum amount of time a public adjuster can retain information
related to a client's claim after the claim is settled?
A) 3 years
B) 5 years
C) 10 years
D) 1 year
CORRECT ANSWER: A
Rationale: Public adjusters must retain information related to a client's claim for a
minimum of three years after the claim is settled as part of their regulatory compliance.
Question 6:
Which document is required for a public adjuster to legally represent a client?
A) A letter of acknowledgment
B) A written contract
C) A verbal agreement
D) A power of attorney
CORRECT ANSWER: B
Rationale: A public adjuster must have a written contract with the client that outlines
the scope of services and fee arrangements, ensuring both parties understand the
terms of representation.
Question 7:
What is the maximum fee a public adjuster can charge in Florida based on the
settlement amount?
A) 10%
B) 20%
, C) 15%
D) 25%
CORRECT ANSWER: B
Rationale: Florida law caps the fee for public adjusters at 20% of the settlement
amount, ensuring that clients are not overcharged for services.
Question 8:
When representing a homeowner for a property damage claim, what is a public
adjuster’s duty regarding the claim submission?
A) To file the claim without informing the client
B) To assist the client in preparing and filing the claim
C) To refuse to file claims with certain insurers
D) To prepare the claim only after client payment
CORRECT ANSWER: B
Rationale: A public adjuster's primary duty is to assist the client in preparing and filing
their claim accurately to maximize their reimbursement.
Question 9:
Which of the following constitutes a conflict of interest for a public adjuster?
A) Working with another public adjuster
B) Representing both the insurer and the insured on the same claim
C) Filing claims in multiple counties
D) Assisting in the claims processing
CORRECT ANSWER: B
Rationale: Representing both parties creates a conflict of interest, as the adjuster's
duty to each party would compromise their ability to act impartially.
Question 10:
In what situation is a public adjuster allowed to charge an upfront fee?
A) For initial consultations
B) For non-contingent fee agreements
C) For filing the claim
D) For submitting documentation
CORRECT ANSWER: B
Rationale: Public adjusters may charge upfront fees only if they have a non-contingent
fee agreement, where payment is not based on the claim outcome.
