Florida Claims Adjuster Actual Exam | Complete
Study Guide with 100% Correct Answers | Florida
All-Lines Adjuster License Examination
SECTION 1: FLORIDA INSURANCE REGULATIONS & STATUTES
1. Under Florida Statute 626.112, an individual acting as an adjuster without proper
licensure commits which offense?
A) A first-degree misdemeanor
B) A third-degree felony
C) A second-degree misdemeanor
D) An administrative violation punishable by fine only
Correct Answer: B
Explanation: Section 626.112(3), F.S., establishes that acting as an adjuster without a
license is a third-degree felony. Florida strictly regulates public adjusting as well as
independent and staff adjusting operations.
2. Which of the following individuals is EXEMPT from Florida adjuster licensing
requirements under Chapter 626, F.S.?
A) A resident attorney adjusting claims incident to law practice
B) An independent adjuster handling claims for three different insurers
C) A salaried employee of an insurer handling claims exclusively for that employer
,D) A public adjuster representing insureds for compensation
Correct Answer: C
Explanation: Section 626.112(3)(a), F.S., exempts salaried employees of insurers who
adjust claims solely for their employer. All other options require licensure—attorneys
acting as adjusters (not incident to law practice), independents handling claims for
compensation, and public adjusters all require licenses.
3. The Florida Department of Financial Services requires adjusters to complete
continuing education (CE) requirements biennially. How many total CE hours are
required, and how many must be in ethics?
A) 20 hours total; 3 hours ethics
B) 24 hours total; 5 hours ethics
C) 30 hours total; 5 hours ethics
D) 15 hours total; 2 hours ethics
Correct Answer: B
Explanation: Florida adjusters must complete 24 hours of CE every 2 years, including 5
hours of ethics instruction, as mandated by DFS rules. Failure to complete CE results in
license expiration.
4. An insurer in Florida must acknowledge receipt of a claim within how many days
under Section 627.351(6)(s), F.S. (applicable to Citizens Property Insurance
Corporation)?
A) 10 calendar days
B) 30 calendar days
C) 14 calendar days
,D) 7 business days
Correct Answer: A
Explanation: Section 627.351(6)(s), F.S., requires acknowledgment within 10 days. While
this statute specifically addresses Citizens, Florida's prompt pay regulations (Chapter
627) generally require acknowledgment within 14 days for most carriers, though
specific timeframes vary by statute.
5. Under Section 626.854, F.S., a public adjuster may not charge a fee exceeding what
percentage of the claim settlement amount for a reopened or supplemental claim?
A) 10%
B) 15%
C) 20%
D) 25%
Correct Answer: C
Explanation: Section 626.854(6), F.S., caps public adjuster fees at 20% of the claim
settlement for reopened or supplemental claims. For new claims made during a state of
emergency declared by the Governor, the cap is 10%.
6. Which of the following constitutes an unfair claims settlement practice under Section
626.9541, F.S. (Unfair Insurance Trade Practices)?
A) Refusing to pay a claim after three proof of loss submissions
B) Failing to acknowledge and act reasonably promptly upon communications regarding
claims
C) Requesting a recorded statement from the insured
D) Denying a claim based on a policy exclusion clearly stated in the contract
, Correct Answer: B
Explanation: Section 626.9541(1)(i), F.S., specifically prohibits "Failing to acknowledge
and act reasonably promptly upon communications with respect to claims." While
insurers may request recorded statements and deny claims based on valid exclusions,
they must act promptly and reasonably.
7. A Florida insurer must pay or deny a claim within ____ days after receiving a properly
executed proof of loss under Section 627.70131, F.S.
A) 30
B) 60
C) 90
D) 120
Correct Answer: C
Explanation: Section 627.70131(2)(a), F.S., requires payment or denial within 90 days of
receiving a properly executed proof of loss for property insurance claims. This is
Florida's "prompt pay" requirement for property claims.
8. Under Florida law, an insurance adjuster's license may be revoked for which of the
following actions?
A) Settling a claim for less than the policy limit when damages support the lower
amount
B) Recommending a specific contractor to an insured
C) Failing to maintain required CE credits
D) All of the above
Correct Answer: C
Study Guide with 100% Correct Answers | Florida
All-Lines Adjuster License Examination
SECTION 1: FLORIDA INSURANCE REGULATIONS & STATUTES
1. Under Florida Statute 626.112, an individual acting as an adjuster without proper
licensure commits which offense?
A) A first-degree misdemeanor
B) A third-degree felony
C) A second-degree misdemeanor
D) An administrative violation punishable by fine only
Correct Answer: B
Explanation: Section 626.112(3), F.S., establishes that acting as an adjuster without a
license is a third-degree felony. Florida strictly regulates public adjusting as well as
independent and staff adjusting operations.
2. Which of the following individuals is EXEMPT from Florida adjuster licensing
requirements under Chapter 626, F.S.?
A) A resident attorney adjusting claims incident to law practice
B) An independent adjuster handling claims for three different insurers
C) A salaried employee of an insurer handling claims exclusively for that employer
,D) A public adjuster representing insureds for compensation
Correct Answer: C
Explanation: Section 626.112(3)(a), F.S., exempts salaried employees of insurers who
adjust claims solely for their employer. All other options require licensure—attorneys
acting as adjusters (not incident to law practice), independents handling claims for
compensation, and public adjusters all require licenses.
3. The Florida Department of Financial Services requires adjusters to complete
continuing education (CE) requirements biennially. How many total CE hours are
required, and how many must be in ethics?
A) 20 hours total; 3 hours ethics
B) 24 hours total; 5 hours ethics
C) 30 hours total; 5 hours ethics
D) 15 hours total; 2 hours ethics
Correct Answer: B
Explanation: Florida adjusters must complete 24 hours of CE every 2 years, including 5
hours of ethics instruction, as mandated by DFS rules. Failure to complete CE results in
license expiration.
4. An insurer in Florida must acknowledge receipt of a claim within how many days
under Section 627.351(6)(s), F.S. (applicable to Citizens Property Insurance
Corporation)?
A) 10 calendar days
B) 30 calendar days
C) 14 calendar days
,D) 7 business days
Correct Answer: A
Explanation: Section 627.351(6)(s), F.S., requires acknowledgment within 10 days. While
this statute specifically addresses Citizens, Florida's prompt pay regulations (Chapter
627) generally require acknowledgment within 14 days for most carriers, though
specific timeframes vary by statute.
5. Under Section 626.854, F.S., a public adjuster may not charge a fee exceeding what
percentage of the claim settlement amount for a reopened or supplemental claim?
A) 10%
B) 15%
C) 20%
D) 25%
Correct Answer: C
Explanation: Section 626.854(6), F.S., caps public adjuster fees at 20% of the claim
settlement for reopened or supplemental claims. For new claims made during a state of
emergency declared by the Governor, the cap is 10%.
6. Which of the following constitutes an unfair claims settlement practice under Section
626.9541, F.S. (Unfair Insurance Trade Practices)?
A) Refusing to pay a claim after three proof of loss submissions
B) Failing to acknowledge and act reasonably promptly upon communications regarding
claims
C) Requesting a recorded statement from the insured
D) Denying a claim based on a policy exclusion clearly stated in the contract
, Correct Answer: B
Explanation: Section 626.9541(1)(i), F.S., specifically prohibits "Failing to acknowledge
and act reasonably promptly upon communications with respect to claims." While
insurers may request recorded statements and deny claims based on valid exclusions,
they must act promptly and reasonably.
7. A Florida insurer must pay or deny a claim within ____ days after receiving a properly
executed proof of loss under Section 627.70131, F.S.
A) 30
B) 60
C) 90
D) 120
Correct Answer: C
Explanation: Section 627.70131(2)(a), F.S., requires payment or denial within 90 days of
receiving a properly executed proof of loss for property insurance claims. This is
Florida's "prompt pay" requirement for property claims.
8. Under Florida law, an insurance adjuster's license may be revoked for which of the
following actions?
A) Settling a claim for less than the policy limit when damages support the lower
amount
B) Recommending a specific contractor to an insured
C) Failing to maintain required CE credits
D) All of the above
Correct Answer: C
