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2025 FLORIDA CLAIMS ADJUSTER EXAM LATEST
TEST BANK WITH 450 QUESTIONS AND CORRECT
VERIFIED ANSWERS/ FL CLAIMS ADJUSTERS TEST
2025/ FL GENERAL ADJUSTER
Maybe be awarded to punish the defendant -
...ANSWER...✓✓ Punitive Damages
Intangible such as pain suffering and mental anguish -
...ANSWER...✓✓ General Damages
Pays for medical lost wages and other losses that sire
from injury. - ...ANSWER...✓✓ Special Damages
The plaintiff is the party bringing the claim, has to provide
the evidence. - ...ANSWER...✓✓ Burden of proof
Third person responsible for negligence acts of another -
...ANSWER...✓✓ Imputed or Vacarious Negligence
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failure to exercise the degree of care a reasonable
person would use to protect other from risk. -
...ANSWER...✓✓ Negligence
Its a civil wrong arising from a contract for which money
damages may be had - ...ANSWER...✓✓ Tort
person seeking money for damages or other legal relief -
...ANSWER...✓✓ Civil Liability
That the Insure should not profit from the payment made
for loss. Ex: Cannot sue yourself. - ...ANSWER...✓✓
Principles of Indemnity
Economic loss that results from direct loss.
Ex: While out of business due to direct loss. -
...ANSWER...✓✓ Indirect Loss
Physical harm or damage to tangible property -
...ANSWER...✓✓ Direct Loss
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Increases the loss of peril. Ex: broken fire alarm -
...ANSWER...✓✓ Hazard
Is the event that might cause loss. Ex: windstorm and
earthquake. - ...ANSWER...✓✓ Peril
Defined land an anything permanently to the land -
...ANSWER...✓✓ Real Property
Proportion that limits bears to all limits that apply to the
loss. - ...ANSWER...✓✓ Pro rata policies
Pay equal pays share of loss but will not pay more than
its policy limits - ...ANSWER...✓✓ Equal share policies
Will not pay until all other policies that apply are
exhausted - ...ANSWER...✓✓ Excess policy
Payment by the insurance company is made to the
insured or others with an interest similar to the insured -
...ANSWER...✓✓ Property Insurance
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Temporary insurance is put into effect through -
...ANSWER...✓✓ Binders
include all of the usual terms, conditions, and exclusions
contained in a policy and no notice of cancellation or non-
renewal is required unless the binder has a term oh how
many days? - ...ANSWER...✓✓ 60 days
How many days to cancel a binder? - ...ANSWER...✓✓ 5
days
Payment will be made to the third-party or damage by
insured - ...ANSWER...✓✓ Liability Insurance
Evidence offered by the insured to support the claim for
damages. - ...ANSWER...✓✓ Proof of Loss
Duties that must be met following a loss - ...ANSWER...✓✓
Conditional Contracts
4 fundamental parts of liability and Property -
...ANSWER...✓✓ 1. Declaration
2025 FLORIDA CLAIMS ADJUSTER EXAM LATEST
TEST BANK WITH 450 QUESTIONS AND CORRECT
VERIFIED ANSWERS/ FL CLAIMS ADJUSTERS TEST
2025/ FL GENERAL ADJUSTER
Maybe be awarded to punish the defendant -
...ANSWER...✓✓ Punitive Damages
Intangible such as pain suffering and mental anguish -
...ANSWER...✓✓ General Damages
Pays for medical lost wages and other losses that sire
from injury. - ...ANSWER...✓✓ Special Damages
The plaintiff is the party bringing the claim, has to provide
the evidence. - ...ANSWER...✓✓ Burden of proof
Third person responsible for negligence acts of another -
...ANSWER...✓✓ Imputed or Vacarious Negligence
,2|Page
failure to exercise the degree of care a reasonable
person would use to protect other from risk. -
...ANSWER...✓✓ Negligence
Its a civil wrong arising from a contract for which money
damages may be had - ...ANSWER...✓✓ Tort
person seeking money for damages or other legal relief -
...ANSWER...✓✓ Civil Liability
That the Insure should not profit from the payment made
for loss. Ex: Cannot sue yourself. - ...ANSWER...✓✓
Principles of Indemnity
Economic loss that results from direct loss.
Ex: While out of business due to direct loss. -
...ANSWER...✓✓ Indirect Loss
Physical harm or damage to tangible property -
...ANSWER...✓✓ Direct Loss
,3|Page
Increases the loss of peril. Ex: broken fire alarm -
...ANSWER...✓✓ Hazard
Is the event that might cause loss. Ex: windstorm and
earthquake. - ...ANSWER...✓✓ Peril
Defined land an anything permanently to the land -
...ANSWER...✓✓ Real Property
Proportion that limits bears to all limits that apply to the
loss. - ...ANSWER...✓✓ Pro rata policies
Pay equal pays share of loss but will not pay more than
its policy limits - ...ANSWER...✓✓ Equal share policies
Will not pay until all other policies that apply are
exhausted - ...ANSWER...✓✓ Excess policy
Payment by the insurance company is made to the
insured or others with an interest similar to the insured -
...ANSWER...✓✓ Property Insurance
, 4|Page
Temporary insurance is put into effect through -
...ANSWER...✓✓ Binders
include all of the usual terms, conditions, and exclusions
contained in a policy and no notice of cancellation or non-
renewal is required unless the binder has a term oh how
many days? - ...ANSWER...✓✓ 60 days
How many days to cancel a binder? - ...ANSWER...✓✓ 5
days
Payment will be made to the third-party or damage by
insured - ...ANSWER...✓✓ Liability Insurance
Evidence offered by the insured to support the claim for
damages. - ...ANSWER...✓✓ Proof of Loss
Duties that must be met following a loss - ...ANSWER...✓✓
Conditional Contracts
4 fundamental parts of liability and Property -
...ANSWER...✓✓ 1. Declaration
