Florida Claims Adjuster Exam

Florida Claims Adjuster Exam | 2026 Latest
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Frankvownedvavhomevthatvwasvdestroyedvbyvavhurricane.vBothvABCvandvXYZvBanksvwerevlistedvasv
additionalvinterestsvonvhisvhomeownervpolicy.vThevinsurancevcompanyvwillvmakevavpaymentvto:v
A.vThevfirstvmortgagee,vABC
B.vThevInsured
C.vJointlyvtovABCvandvXYZ
D.vAllvlistedvinterestsv-vCorrectvAnswer:vvD.vAllvlistedvinterests
Remembervthatvthevinsurervisvnotvresponsiblevtovknowvthevdegreesvofvinterest.vInvtheveventvofvavl
oss,vonevpaymentvisvmadevbyvthevinsurervandvitvisvupvtovthevadditionalvinterestsvonvworkingvoutvt
heirvshare.
Insurancevappliesvseparatelyvtoveachvinsuredvasvifvothervinsuredsvdidvnotvexist.vThisvisvdefinedvas:
A.vSeverability
B.vConditional
C.vWarranty
D.vNonevofvthevabovev-vCorrectvAnswer:vvA.vSeverability
Propertyvinsurancevpoliciesvusuallyvcontainva(n)v__________vclause,vstatingvthevinsuredvcannotvd
umpvdamagedvpropertyvonvthevinsurervandvdemandvitsvfullvvalue:
A.vProvRata
B.vAbandonment
C.vLiberalization
D.vAllvofvthevabovev-vCorrectvAnswer:vvB.vAbandonment
A(n)v__________visvonevwhereinveconomicvlossvwouldvbevsufferedvfromvanvadversevhappeningvto
vthevsubject:


A.vConditionalvContract
B.vPersonalvContract
C.vEconomicvContract
D.vInsurablevInterestv-vCorrectvAnswer:vvD.vInsurablevInterest

,Statesvthatvifvthevinsurervadoptsvavrevisionvwhichvwouldvbroadenvcoveragevwithoutvadditionalvpr
emiumvwithinvsomevperiodvofvtimevpriorvtovthevpolicyvperiodvorvduringvthevpolicyvperiod,vthevins
uredvreceivesvthevbenefitvofvsuchvbroadenedvcoverage.
A.vCancellationvClause
B.vPolicyvPeriod
C.vProvRata
D.vLiberalizationv-vCorrectvAnswer:vvD.vLiberalization
Thevtimevframevisvtypicallyv60vdays.
Thev__________vstatesvthatvwhenvtherevisvanvunbrokenvconnectionvbetweenvanvoccurrencevandv
damagevthatvgrowsvoutvofvthevoccurrence,vthenvthevresultantvdamagevisvallvavpartvofvthevoccurre
nce.
A.vDoctrinevofvProximatevCause
B.vDoctrinevofvPerilsv&vHazards
C.vInsurancevPolicyvHandbook
D.vDoctrinevofvPropertyvInsurancev-vCorrectvAnswer:vvA.vDoctrinevofvProximatevCause
Forvexample,vifvavpropertyvinsurancevpolicyvcoversvthevperilvofvfirevbutvfurthervdamagevisvcausedv
byvsmoke,vwatervusedvtovextinguish,vandvthevprocessvofvmovingvpropertyvawayv-
vfirevisvconsideredvtovbevthev*proximatevcause*vofvallvofvthevdamage.


ThevLossvSettlementvValuationvthatvsubtractsvanvallowancevforvdepreciationvisvdefinedvas?
A.vActualvCashvValue
B.vReplacementvCost
C.v"OldvforvNew"
D.vNonevofvthevAbovev-vCorrectvAnswer:vvA.vActualvCashvValue
Avpolicyvcondition,veithervbasedvonvinformationvinvthevinsured'svapplicationvorvinsertedvbyvthevin
surer,visvdefinedvas:
A.vWarranty
B.vMisrepresentation
C.vConcealment
D.vNonevofvthevAbovev-vCorrectvAnswer:vvA.vWarranty

,Thevfollowingvarevbasicvcharacteristicsvofvavpropertyvorvliabilityvinsurancevcontract,vexcept:
A.vPersonalvContract
B.vConditionalvContract
C.vLossvofvSettlementvContract
D.vContractvofvAdhesionv-vCorrectvAnswer:vvC.vLossvofvSettlementvContract
ThevInsurer'svresponsibilityvtovpayvforvavpropertyvlossvmayvbevconditionedvonvthevinsuredvhavingv
usedvreasonablevmeansvtovavoidvthevloss,vtovprotectvthevpropertyvagainstvfurthervloss,vandvtovgiv
evthevinsurervproofvofvthevlossvisvdefinedvas?
A.vConditionalvContract
B.vAdhesionvContract
C.vIndemnityvContract
D.vAllvofvthevAbovev-vCorrectvAnswer:vvA.vConditionalvContract
"mayvbevconditioned"
Whichvofvthevfollowingvisvnotvonevofvthev"Thresholds"vinvthev"No-Fault"vlaw?
A.vDeathvofvthevInsured
B.vTemporaryvInjuryvofvthevInsured
C.vAvpermanentvlossvofvavbodilyvfunction
D.vPermanentvscarringvonvthevfacevofvthevinsuredv-
vCorrectvAnswer:vvB.vTemporaryvInjuryvofvthevInsured


Alsovincluded:vpermanentvinjuryvothervthanvscarringvandvdisfigurement
UndervMechanicalvBreakdownvCoverage,vnewvcarsvareveligiblevforvservicevupvto:
A.v36vMonths/36,000vMiles
B.v24vMonths/36,000vMiles
C.v12,000vMonths/12,000vMiles
D.v12vMonths/36,000vMilesv-vCorrectvAnswer:vvA.v36vMonths/36,000vMiles
Usedvvehicles:v12vMonths/12,000vMiles
Ifvfinancialvresponsibilityvdoesn'tvexistvatvthevtimevofvanvaccident,vwhichvofvthevfollowingvthingsv
mustvhappenvtovavoidvpenalties?

, A.vThevlegallyvvalidvclaimsvofvothersvmustvbevsatisfiedv(upvtov10/20/10)
B.vThevownervandvoperatorvmustvprovidevcertificationvofvfuturevresponsibilityvforvfuturevaccident
s
C.vBothvAv&vB
D.vNonevofvthevAbovev-vCorrectvAnswer:vvC.vBothvAv&vB
Asvtovrequiredvproofvforvfuturevaccidentsvbyvpurchasevofvautovliabilityvinsurance,vthevinsurervmus
tvmakevavfilingv(FormvSR-
22)vcertifyingvthatvcoveragevisvinveffect,vandvthisvcertificationvmustvremainvonvfilevforv__________
vyears:v


A.v1
B.v3
C.v4
D.v2v-vCorrectvAnswer:vvB.v3
ThevBusinessvAutomobilevPolicyvincludesvallvofvthevfollowingvcoveragevformsvexcept:
A.vThevGaragevCoveragevForm
B.vThevTrailervInterchangevCoveragevForm
C.vThevTruckersvCoveragevForm
D.vThevBusinessvAutovCoveragevFormv-
vCorrectvAnswer:vvB.vThevTrailervInterchangevCoveragevForm


PersonalvInjuryvProtection,vorvPIP,vhasvav__________vpervperson,vpervaccidentvlimit.
A.v10,000
B.v20,000
C.v1,000
D.vDependsvonvthevdamagedvpropertyv-vCorrectvAnswer:vvA.v10,000
Usedvtovinsurevbusinessesvengagedvinvselling,vservicing,vrepairing,vparkingvorvstoringvautomobile
s:
A.vServicingvCoveragevForm
B.vGaragevCoveragevForm
C.vTruckersvCoveragevForm