Florida Claims Adjuster
Mock Exam
2026
Questions and Answers
(A+ Grade Guarantee)
2026
, Florida Claims Adjuster Exam
Study online at https://quizlet.com/_4osxr3
1. Frank owned a home that was destroyed by a hurri- D. All listed interests
cane. Both ABC and XYZ Banks were listed as addition- Remember that the insur-
al interests on his homeowner policy. The insurance er is not responsible to
company will make a payment to: know the degrees of inter-
A. The first mortgagee, ABC est. In the event of a loss,
B. The Insured one payment is made by
C. Jointly to ABC and XYZ the insurer and it is up to
D. All listed interests the additional interests on
working out their share.
2. Insurance applies separately to each insured as if oth- A. Severability
er insureds did not exist. This is defined as:
A. Severability
B. Conditional
C. Warranty
D. None of the above
3. Property insurance policies usually contain a(n) B. Abandonment
__________ clause, stating the insured cannot dump
damaged property on the insurer and demand its full
value:
A. Pro Rata
B. Abandonment
C. Liberalization
D. All of the above
4. A(n) __________ is one wherein economic loss would be D. Insurable Interest
suffered from an adverse happening to the subject:
A. Conditional Contract
B. Personal Contract
C. Economic Contract
D. Insurable Interest
2026
, Florida Claims Adjuster Exam
Study online at https://quizlet.com/_4osxr3
5. States that if the insurer adopts a revision which would D. Liberalization
broaden coverage without additional premium within The time frame is typically
some period of time prior to the policy period or dur- 60 days.
ing the policy period, the insured receives the benefit
of such broadened coverage.
A. Cancellation Clause
B. Policy Period
C. Pro Rata
D. Liberalization
6. The __________ states that when there is an unbroken A. Doctrine of Proximate
connection between an occurrence and damage that Cause
grows out of the occurrence, then the resultant dam- For example, if a proper-
age is all a part of the occurrence. ty insurance policy covers
A. Doctrine of Proximate Cause the peril of fire but fur-
B. Doctrine of Perils & Hazards ther damage is caused by
C. Insurance Policy Handbook smoke, water used to ex-
D. Doctrine of Property Insurance tinguish, and the process
of moving property away -
fire is considered to be the
*proximate cause* of all of
the damage.
7. The Loss Settlement Valuation that subtracts an al- A. Actual Cash Value
lowance for depreciation is defined as?
A. Actual Cash Value
B. Replacement Cost
C. "Old for New"
D. None of the Above
8. A policy condition, either based on information in the A. Warranty
insured's application or inserted by the insurer, is de-
2026
, Florida Claims Adjuster Exam
Study online at https://quizlet.com/_4osxr3
fined as:
A. Warranty
B. Misrepresentation
C. Concealment
D. None of the Above
9. The following are basic characteristics of a property or C. Loss of Settlement Con-
liability insurance contract, except: tract
A. Personal Contract
B. Conditional Contract
C. Loss of Settlement Contract
D. Contract of Adhesion
10. The Insurer's responsibility to pay for a property loss A. Conditional Contract
may be conditioned on the insured having used rea- "may be conditioned"
sonable means to avoid the loss, to protect the prop-
erty against further loss, and to give the insurer proof
of the loss is defined as?
A. Conditional Contract
B. Adhesion Contract
C. Indemnity Contract
D. All of the Above
11. Which of the following is not one of the "Thresholds" B. Temporary Injury of the
in the "No-Fault" law? Insured
A. Death of the Insured Also included: permanent
B. Temporary Injury of the Insured injury other than scarring
C. A permanent loss of a bodily function and disfigurement
D. Permanent scarring on the face of the insured
12. Under Mechanical Breakdown Coverage, new cars are A. 36 Months/36,000
eligible for service up to: Miles
A. 36 Months/36,000 Miles
2026
Mock Exam
2026
Questions and Answers
(A+ Grade Guarantee)
2026
, Florida Claims Adjuster Exam
Study online at https://quizlet.com/_4osxr3
1. Frank owned a home that was destroyed by a hurri- D. All listed interests
cane. Both ABC and XYZ Banks were listed as addition- Remember that the insur-
al interests on his homeowner policy. The insurance er is not responsible to
company will make a payment to: know the degrees of inter-
A. The first mortgagee, ABC est. In the event of a loss,
B. The Insured one payment is made by
C. Jointly to ABC and XYZ the insurer and it is up to
D. All listed interests the additional interests on
working out their share.
2. Insurance applies separately to each insured as if oth- A. Severability
er insureds did not exist. This is defined as:
A. Severability
B. Conditional
C. Warranty
D. None of the above
3. Property insurance policies usually contain a(n) B. Abandonment
__________ clause, stating the insured cannot dump
damaged property on the insurer and demand its full
value:
A. Pro Rata
B. Abandonment
C. Liberalization
D. All of the above
4. A(n) __________ is one wherein economic loss would be D. Insurable Interest
suffered from an adverse happening to the subject:
A. Conditional Contract
B. Personal Contract
C. Economic Contract
D. Insurable Interest
2026
, Florida Claims Adjuster Exam
Study online at https://quizlet.com/_4osxr3
5. States that if the insurer adopts a revision which would D. Liberalization
broaden coverage without additional premium within The time frame is typically
some period of time prior to the policy period or dur- 60 days.
ing the policy period, the insured receives the benefit
of such broadened coverage.
A. Cancellation Clause
B. Policy Period
C. Pro Rata
D. Liberalization
6. The __________ states that when there is an unbroken A. Doctrine of Proximate
connection between an occurrence and damage that Cause
grows out of the occurrence, then the resultant dam- For example, if a proper-
age is all a part of the occurrence. ty insurance policy covers
A. Doctrine of Proximate Cause the peril of fire but fur-
B. Doctrine of Perils & Hazards ther damage is caused by
C. Insurance Policy Handbook smoke, water used to ex-
D. Doctrine of Property Insurance tinguish, and the process
of moving property away -
fire is considered to be the
*proximate cause* of all of
the damage.
7. The Loss Settlement Valuation that subtracts an al- A. Actual Cash Value
lowance for depreciation is defined as?
A. Actual Cash Value
B. Replacement Cost
C. "Old for New"
D. None of the Above
8. A policy condition, either based on information in the A. Warranty
insured's application or inserted by the insurer, is de-
2026
, Florida Claims Adjuster Exam
Study online at https://quizlet.com/_4osxr3
fined as:
A. Warranty
B. Misrepresentation
C. Concealment
D. None of the Above
9. The following are basic characteristics of a property or C. Loss of Settlement Con-
liability insurance contract, except: tract
A. Personal Contract
B. Conditional Contract
C. Loss of Settlement Contract
D. Contract of Adhesion
10. The Insurer's responsibility to pay for a property loss A. Conditional Contract
may be conditioned on the insured having used rea- "may be conditioned"
sonable means to avoid the loss, to protect the prop-
erty against further loss, and to give the insurer proof
of the loss is defined as?
A. Conditional Contract
B. Adhesion Contract
C. Indemnity Contract
D. All of the Above
11. Which of the following is not one of the "Thresholds" B. Temporary Injury of the
in the "No-Fault" law? Insured
A. Death of the Insured Also included: permanent
B. Temporary Injury of the Insured injury other than scarring
C. A permanent loss of a bodily function and disfigurement
D. Permanent scarring on the face of the insured
12. Under Mechanical Breakdown Coverage, new cars are A. 36 Months/36,000
eligible for service up to: Miles
A. 36 Months/36,000 Miles
2026
