Florida Certified Adjuster Practice Exam
2025/2026 Exam Questions and Answers
100% Guaranteed Success | Already
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Jane has $150,000 homeowners policy with a 3% percentage deductible.
One night, In oven fire destroys her kitchen, causing $50,000 in damage.
How much of the damage falls under Janes responsibility? - 🧠 ANSWER
✔✔$4,500
Xavier owns a small insurance company. Recently the company want to bid
to ensure a new housing development in Omaha, Nebraska. His company
can handle any claims that arise, but if a series of tornadoes were to tear
through the area and destroy the entire development, Xavier's company
would suffer financially. Which type of insure could help Xavier's company
protect itself the most from this potential loss? - 🧠 ANSWER ✔✔A re-
insurer
Which of the following situations does NOT involve an instance of "pure
risk?" - 🧠 ANSWER ✔✔Loss of money invested in the stock market
1
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
PRIVACY STATEMENT. ALL RIGHTS RESERVED
,Which of the following is an insurable risk? - 🧠 ANSWER ✔✔A football
stadium
A lightning strike causes one of those storage buildings on John's farm to
burn to the ground, added by the fuel tanks he kept in the building. John
knows he wasn't supposed to store any fuel in the building, so he kept that
piece of information to himself when he files a claim. John's ensure made
and I his claim based on his: - 🧠 ANSWER ✔✔Concealment
Chain shed burned to the ground during a tornado, when the Highwinds
break a wall of the shed, knocking over a lantern inside. What is the
proximate cause of the loss? - 🧠 ANSWER ✔✔Wind
Kevin plays in a brass band using two rare antique Alexander tubas. Since
they are no longer produced, the value of the tubas is difficult to determine.
Which type of policy would best indemnify Kevin in this event that his two
boys were damaged, lost, or stolen? - 🧠 ANSWER ✔✔Agreed value policy
Which settlement option is most often use when the claimant misses work
because of a bodily injury, but a settlement has not been reached? - 🧠
ANSWER ✔✔Advance payment settlement
2
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
PRIVACY STATEMENT. ALL RIGHTS RESERVED
,Adjuster Andy is trying to determine a final settlement amount for Stacy's
claim. Stacy's house was destroyed in a house fire and it will cost $185,000
to rebuild it. Stacy's homeowner policy has a limit of $178,000 and $1800
deductible. Typically, how much would adjuster Andy calculate Stacy's final
settlement amount to be - 🧠 ANSWER ✔✔$178,000
Stephanie is in the process of addressing George's auto claim. Currently
she is interviewing Shana, who witnessed George's accident and stopped
to help. In what stage of the claim process is Stephanie currently working?
- 🧠 ANSWER ✔✔Investigation
If a claimant has a history of similar claims, that could mean: - 🧠 ANSWER
✔✔It is important to investigate for fraud
If an insurer is unwilling to pay what the claimant is asking, the adjuster
must: - 🧠 ANSWER ✔✔Negotiate a settlement
An insurance adjuster acts as a fiduciary agent for her employer. Which of
the following statements is FALSE about the adjuster's role as a fiduciary
agent? - 🧠 ANSWER ✔✔The adjuster may not give the claimant materials
showing how he came up with the settlement amount
3
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
PRIVACY STATEMENT. ALL RIGHTS RESERVED
, A staff adjuster is a: - 🧠 ANSWER ✔✔Salaried employee working for only
one insurer
Marlene has been living in her $120,000 home for 31 years. Because she
has paid off the mortgage, she decides to save some money on her
monthly insurance premiums by reducing her homeowners coverage to
$40,000. After a severe hail storm totals her roof, her adjuster estimates
the damage at $12,000. Assuming the insure imposes the standard
coinsurance penalty, and ignoring the deductible, how much will Marlene
receive in the settlement amount? - 🧠 ANSWER ✔✔$5,000
Craig has an HO-3 policy covering his primary residence with a Coverage
A limit of $250,000, Coverage B limit of $25,000, and a Coverage C limit of
$150,000. Craig also has a cabin on the lake, which was burglarized. The
thieves stole much of the cabin's contents, for a total loss of $18,500.
Ignoring any deductibles, how much will Craig's HO-3 policy pay for this
claim? - 🧠 ANSWER ✔✔$15,000
Stan built a porch for his home three years ago at a cost of $10,000. The
value of the porch has depreciated by $6,000, and it would cost $12,000 to
replace it today. After Stan's porch burnt down during a BBQ today, how
4
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
PRIVACY STATEMENT. ALL RIGHTS RESERVED
2025/2026 Exam Questions and Answers
100% Guaranteed Success | Already
Rated A+
Jane has $150,000 homeowners policy with a 3% percentage deductible.
One night, In oven fire destroys her kitchen, causing $50,000 in damage.
How much of the damage falls under Janes responsibility? - 🧠 ANSWER
✔✔$4,500
Xavier owns a small insurance company. Recently the company want to bid
to ensure a new housing development in Omaha, Nebraska. His company
can handle any claims that arise, but if a series of tornadoes were to tear
through the area and destroy the entire development, Xavier's company
would suffer financially. Which type of insure could help Xavier's company
protect itself the most from this potential loss? - 🧠 ANSWER ✔✔A re-
insurer
Which of the following situations does NOT involve an instance of "pure
risk?" - 🧠 ANSWER ✔✔Loss of money invested in the stock market
1
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
PRIVACY STATEMENT. ALL RIGHTS RESERVED
,Which of the following is an insurable risk? - 🧠 ANSWER ✔✔A football
stadium
A lightning strike causes one of those storage buildings on John's farm to
burn to the ground, added by the fuel tanks he kept in the building. John
knows he wasn't supposed to store any fuel in the building, so he kept that
piece of information to himself when he files a claim. John's ensure made
and I his claim based on his: - 🧠 ANSWER ✔✔Concealment
Chain shed burned to the ground during a tornado, when the Highwinds
break a wall of the shed, knocking over a lantern inside. What is the
proximate cause of the loss? - 🧠 ANSWER ✔✔Wind
Kevin plays in a brass band using two rare antique Alexander tubas. Since
they are no longer produced, the value of the tubas is difficult to determine.
Which type of policy would best indemnify Kevin in this event that his two
boys were damaged, lost, or stolen? - 🧠 ANSWER ✔✔Agreed value policy
Which settlement option is most often use when the claimant misses work
because of a bodily injury, but a settlement has not been reached? - 🧠
ANSWER ✔✔Advance payment settlement
2
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
PRIVACY STATEMENT. ALL RIGHTS RESERVED
,Adjuster Andy is trying to determine a final settlement amount for Stacy's
claim. Stacy's house was destroyed in a house fire and it will cost $185,000
to rebuild it. Stacy's homeowner policy has a limit of $178,000 and $1800
deductible. Typically, how much would adjuster Andy calculate Stacy's final
settlement amount to be - 🧠 ANSWER ✔✔$178,000
Stephanie is in the process of addressing George's auto claim. Currently
she is interviewing Shana, who witnessed George's accident and stopped
to help. In what stage of the claim process is Stephanie currently working?
- 🧠 ANSWER ✔✔Investigation
If a claimant has a history of similar claims, that could mean: - 🧠 ANSWER
✔✔It is important to investigate for fraud
If an insurer is unwilling to pay what the claimant is asking, the adjuster
must: - 🧠 ANSWER ✔✔Negotiate a settlement
An insurance adjuster acts as a fiduciary agent for her employer. Which of
the following statements is FALSE about the adjuster's role as a fiduciary
agent? - 🧠 ANSWER ✔✔The adjuster may not give the claimant materials
showing how he came up with the settlement amount
3
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
PRIVACY STATEMENT. ALL RIGHTS RESERVED
, A staff adjuster is a: - 🧠 ANSWER ✔✔Salaried employee working for only
one insurer
Marlene has been living in her $120,000 home for 31 years. Because she
has paid off the mortgage, she decides to save some money on her
monthly insurance premiums by reducing her homeowners coverage to
$40,000. After a severe hail storm totals her roof, her adjuster estimates
the damage at $12,000. Assuming the insure imposes the standard
coinsurance penalty, and ignoring the deductible, how much will Marlene
receive in the settlement amount? - 🧠 ANSWER ✔✔$5,000
Craig has an HO-3 policy covering his primary residence with a Coverage
A limit of $250,000, Coverage B limit of $25,000, and a Coverage C limit of
$150,000. Craig also has a cabin on the lake, which was burglarized. The
thieves stole much of the cabin's contents, for a total loss of $18,500.
Ignoring any deductibles, how much will Craig's HO-3 policy pay for this
claim? - 🧠 ANSWER ✔✔$15,000
Stan built a porch for his home three years ago at a cost of $10,000. The
value of the porch has depreciated by $6,000, and it would cost $12,000 to
replace it today. After Stan's porch burnt down during a BBQ today, how
4
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
PRIVACY STATEMENT. ALL RIGHTS RESERVED
