Spring Semester February 2026 Florida 3-20 Public Adjuster Exam Prep
| Property & Casualty Insurance Licensing, Florida State Laws &
Regulations, Claims Adjusting, Risk Assessment, Ethics, Policy Analysis,
NGN-Style Practice Questions & Licensing Exam Success Guide
, Question 1
What is the primary role of a public adjuster in the insurance claims process?
A) To represent the insurance company
B) To represent policyholders
C) To negotiate with insurance regulators
D) To assess property value
Correct Answer: B) To represent policyholders
Rationale:
Public adjusters are licensed professionals who advocate for policyholders during the
claims process. Their primary duty is to ensure that policyholders receive a fair
settlement from their insurance companies. Unlike insurance adjusters who work for
the insurance company, public adjusters focus on maximizing the claim payout for the
insured.
Question 2
Which of the following is NOT a component of the adjuster's compensation?
A) A flat fee
B) A percentage of the claim amount
C) Commissions on sales of insurance
D) An hourly rate
Correct Answer: C) Commissions on sales of insurance
Rationale:
Public adjusters typically earn compensation through flat fees, percentages of the
settlement amount, or hourly rates for their work. They do not earn commissions on
sales of insurance policies, as their role is to assist claimants rather than sell insurance.
Question 3
Under Florida law, how long does a policyholder have to file a claim after a loss
occurs?
A) 60 days
B) 90 days
C) 1 year
D) 2 years
Correct Answer: D) 2 years
Rationale:
In Florida, policyholders typically have up to two years from the date of loss to file a
| Property & Casualty Insurance Licensing, Florida State Laws &
Regulations, Claims Adjusting, Risk Assessment, Ethics, Policy Analysis,
NGN-Style Practice Questions & Licensing Exam Success Guide
, Question 1
What is the primary role of a public adjuster in the insurance claims process?
A) To represent the insurance company
B) To represent policyholders
C) To negotiate with insurance regulators
D) To assess property value
Correct Answer: B) To represent policyholders
Rationale:
Public adjusters are licensed professionals who advocate for policyholders during the
claims process. Their primary duty is to ensure that policyholders receive a fair
settlement from their insurance companies. Unlike insurance adjusters who work for
the insurance company, public adjusters focus on maximizing the claim payout for the
insured.
Question 2
Which of the following is NOT a component of the adjuster's compensation?
A) A flat fee
B) A percentage of the claim amount
C) Commissions on sales of insurance
D) An hourly rate
Correct Answer: C) Commissions on sales of insurance
Rationale:
Public adjusters typically earn compensation through flat fees, percentages of the
settlement amount, or hourly rates for their work. They do not earn commissions on
sales of insurance policies, as their role is to assist claimants rather than sell insurance.
Question 3
Under Florida law, how long does a policyholder have to file a claim after a loss
occurs?
A) 60 days
B) 90 days
C) 1 year
D) 2 years
Correct Answer: D) 2 years
Rationale:
In Florida, policyholders typically have up to two years from the date of loss to file a
