FLORIDA 6 20 ALL LINES ADJUSTER
INSURANCE POLICY ANALYSIS RISK
ASSESSMENT TOOLKIT 2026 GRADED A+
◉ T/F: Insurance agents' responsibilities include all of the following:
Selling the policy
Analyzing the risk
Underwriting the policy
Defining the coverage
Delivering the policy.
Answer: True
◉ The adjuster confirms ___________ under an issued policy, and
investigates, evaluates, inspects, and estimates damage to property..
Answer: coverage
◉ T/F: An adjuster needs to be able to talk with agents, insured
parties, claimants, and witnesses while under potentially stressful
situations and conditions. Adjusters write reports explaining
decisions made and negotiate claim settlements with their insured,
,claimants and attorneys. They participate in mediation and
arbitration cases. Sometimes, adjusters have to testify in court..
Answer: True
◉ T/F: An independent adjuster is a licensed adjuster not within the
state that he or she works in. An independent adjuster can be hired
by an insurance company to represent the interest of that company.
An assignment for an independent adjuster can be short or long
term and could be to carry out certain parts of the claims process or
handle the entire process through to the conclusion of claims..
Answer: False
An independent adjuster is a licensed adjuster within the state that
he or she works in. An independent adjuster can be hired by an
insurance company to represent the interest of that company. An
assignment for an independent adjuster can be short or long term
and could be to carry out certain parts of the claims process or
handle the entire process through to the conclusion of claims.
◉ T/F: The independent adjuster is not self-employed and is not
affiliated with either insurers or bureaus..
Answer: False
The independent adjuster IS self-employed and is not affiliated with
either insurers or bureaus.
, ◉ T/F: A public adjuster contracts with and is an advocate for the
named insured..
Answer: True
◉ T/F: The policyholder typically pays the public adjuster a
percentage of the claim payment received. Claims for personal,
business, and auto property damages are the only types of claims a
public adjuster can work..
Answer: True
◉ T/F: A licensed public adjuster is the only other party besides an
attorney who can legally represent the rights of an insured during
the claims process..
Answer: True
◉ T/F: A company or staff adjuster is hired to work for and is not
paid by an insurance company and can only represent the interests
of the company. A company adjuster works inside and outside an
office..
Answer: False
A company or staff adjuster is hired to work for and IS paid by an
insurance company and can only represent the interests of the
company. A company adjuster works inside and outside an office.
INSURANCE POLICY ANALYSIS RISK
ASSESSMENT TOOLKIT 2026 GRADED A+
◉ T/F: Insurance agents' responsibilities include all of the following:
Selling the policy
Analyzing the risk
Underwriting the policy
Defining the coverage
Delivering the policy.
Answer: True
◉ The adjuster confirms ___________ under an issued policy, and
investigates, evaluates, inspects, and estimates damage to property..
Answer: coverage
◉ T/F: An adjuster needs to be able to talk with agents, insured
parties, claimants, and witnesses while under potentially stressful
situations and conditions. Adjusters write reports explaining
decisions made and negotiate claim settlements with their insured,
,claimants and attorneys. They participate in mediation and
arbitration cases. Sometimes, adjusters have to testify in court..
Answer: True
◉ T/F: An independent adjuster is a licensed adjuster not within the
state that he or she works in. An independent adjuster can be hired
by an insurance company to represent the interest of that company.
An assignment for an independent adjuster can be short or long
term and could be to carry out certain parts of the claims process or
handle the entire process through to the conclusion of claims..
Answer: False
An independent adjuster is a licensed adjuster within the state that
he or she works in. An independent adjuster can be hired by an
insurance company to represent the interest of that company. An
assignment for an independent adjuster can be short or long term
and could be to carry out certain parts of the claims process or
handle the entire process through to the conclusion of claims.
◉ T/F: The independent adjuster is not self-employed and is not
affiliated with either insurers or bureaus..
Answer: False
The independent adjuster IS self-employed and is not affiliated with
either insurers or bureaus.
, ◉ T/F: A public adjuster contracts with and is an advocate for the
named insured..
Answer: True
◉ T/F: The policyholder typically pays the public adjuster a
percentage of the claim payment received. Claims for personal,
business, and auto property damages are the only types of claims a
public adjuster can work..
Answer: True
◉ T/F: A licensed public adjuster is the only other party besides an
attorney who can legally represent the rights of an insured during
the claims process..
Answer: True
◉ T/F: A company or staff adjuster is hired to work for and is not
paid by an insurance company and can only represent the interests
of the company. A company adjuster works inside and outside an
office..
Answer: False
A company or staff adjuster is hired to work for and IS paid by an
insurance company and can only represent the interests of the
company. A company adjuster works inside and outside an office.
