Florida Claims Adjuster Exam Ques ons and answers
|Updated 2026
Frank owned a home that was destroyed by a hurricane. Both ABC and XYZ Banks were listed
as addi onal interests on his homeowner policy. The insurance company will make a
payment to:
A. The first mortgagee, ABC
B. The Insured
C. Jointly to ABC and XYZ
D. All listed interests
D. All listed interests
Remember that the insurer is not responsible to know the degrees of interest. In the event
of a loss, one payment is made by the insurer and it is up to the addi onal interests on
working out their share.
Insurance applies separately to each insured as if other insureds did not exist. This is defined
as:
A. Severability
B. Condi onal
C. Warranty
D. None of the above
A. Severability
Property insurance policies usually contain a(n) __________ clause, sta ng the insured
cannot dump damaged property on the insurer and demand its full value:
A. Pro Rata
B. Abandonment
C. Liberaliza on
D. All of the above
B. Abandonment
A(n) __________ is one wherein economic loss would be suffered from an adverse
happening to the subject:
A. Condi onal Contract
B. Personal Contract
C. Economic Contract
D. Insurable Interest
D. Insurable Interest
,States that if the insurer adopts a revision which would broaden coverage without addi onal
premium within some period of me prior to the policy period or during the policy period,
the insured receives the benefit of such broadened coverage.
A. Cancella on Clause
B. Policy Period
C. Pro Rata
D. Liberaliza on
D. Liberaliza on
The me frame is typically 60 days.
The __________ states that when there is an unbroken connec on between an occurrence
and damage that grows out of the occurrence, then the resultant damage is all a part of the
occurrence.
A. Doctrine of Proximate Cause
B. Doctrine of Perils & Hazards
C. Insurance Policy Handbook
D. Doctrine of Property Insurance
A. Doctrine of Proximate Cause
For example, if a property insurance policy covers the peril of fire but further damage is
caused by smoke, water used to ex nguish, and the process of moving property away - fire is
considered to be the proximate cause of all of the damage.
The Loss Se;lement Valua on that subtracts an allowance for deprecia on is defined as?
A. Actual Cash Value
B. Replacement Cost
C. "Old for New"
D. None of the Above
A. Actual Cash Value
A policy condi on, either based on informa on in the insured's applica on or inserted by
the insurer, is defined as:
A. Warranty
B. Misrepresenta on
C. Concealment
D. None of the Above
A. Warranty
The following are basic characteris cs of a property or liability insurance contract, except:
A. Personal Contract
B. Condi onal Contract
,C. Loss of Se;lement Contract
D. Contract of Adhesion
C. Loss of Se;lement Contract
The Insurer's responsibility to pay for a property loss may be condi oned on the insured
having used reasonable means to avoid the loss, to protect the property against further loss,
and to give the insurer proof of the loss is defined as?
A. Condi onal Contract
B. Adhesion Contract
C. Indemnity Contract
D. All of the Above
A. Condi onal Contract
"may be condi oned"
Which of the following is not one of the "Thresholds" in the "No-Fault" law?
A. Death of the Insured
B. Temporary Injury of the Insured
C. A permanent loss of a bodily func on
D. Permanent scarring on the face of the insured
B. Temporary Injury of the Insured
Also included: permanent injury other than scarring and disfigurement
Under Mechanical Breakdown Coverage, new cars are eligible for service up to:
A. 36 Months/36,000 Miles
B. 24 Months/36,000 Miles
C. 12,000 Months/12,000 Miles
D. 12 Months/36,000 Miles
A. 36 Months/36,000 Miles
Used vehicles: 12 Months/12,000 Miles
If financial responsibility doesn't exist at the me of an accident, which of the following
things must happen to avoid penal es?
A. The legally valid claims of others must be sa sfied (up to 10/20/10)
B. The owner and operator must provide cer fica on of future responsibility for future
accidents
C. Both A & B
D. None of the Above
C. Both A & B
As to required proof for future accidents by purchase of auto liability insurance, the insurer
must make a filing (Form SR-22) cer fying that coverage is in effect, and this cer fica on
, must remain on file for __________ years:
A. 1
B. 3
C. 4
D. 2
B. 3
The Business Automobile Policy includes all of the following coverage forms except:
A. The Garage Coverage Form
B. The Trailer Interchange Coverage Form
C. The Truckers Coverage Form
D. The Business Auto Coverage Form
B. The Trailer Interchange Coverage Form
Personal Injury Protec on, or PIP, has a __________ per person, per accident limit.
A. 10,000
B. 20,000
C. 1,000
D. Depends on the damaged property
A. 10,000
Used to insure businesses engaged in selling, servicing, repairing, parking or storing
automobiles:
A. Servicing Coverage Form
B. Garage Coverage Form
C. Truckers Coverage Form
D. None of the Above
B. Garage Coverage Form
The following examples are referred to as __________ liability limits: 25/50/25 or 10/20/10.
A. Split
B. Single
C. Straight
D. None of the Above
A. Split
10/20/10 =
10,000 per person injured
20,000 all injuries combined
10,000 property damage
Example of straight liability limit = $30,000
|Updated 2026
Frank owned a home that was destroyed by a hurricane. Both ABC and XYZ Banks were listed
as addi onal interests on his homeowner policy. The insurance company will make a
payment to:
A. The first mortgagee, ABC
B. The Insured
C. Jointly to ABC and XYZ
D. All listed interests
D. All listed interests
Remember that the insurer is not responsible to know the degrees of interest. In the event
of a loss, one payment is made by the insurer and it is up to the addi onal interests on
working out their share.
Insurance applies separately to each insured as if other insureds did not exist. This is defined
as:
A. Severability
B. Condi onal
C. Warranty
D. None of the above
A. Severability
Property insurance policies usually contain a(n) __________ clause, sta ng the insured
cannot dump damaged property on the insurer and demand its full value:
A. Pro Rata
B. Abandonment
C. Liberaliza on
D. All of the above
B. Abandonment
A(n) __________ is one wherein economic loss would be suffered from an adverse
happening to the subject:
A. Condi onal Contract
B. Personal Contract
C. Economic Contract
D. Insurable Interest
D. Insurable Interest
,States that if the insurer adopts a revision which would broaden coverage without addi onal
premium within some period of me prior to the policy period or during the policy period,
the insured receives the benefit of such broadened coverage.
A. Cancella on Clause
B. Policy Period
C. Pro Rata
D. Liberaliza on
D. Liberaliza on
The me frame is typically 60 days.
The __________ states that when there is an unbroken connec on between an occurrence
and damage that grows out of the occurrence, then the resultant damage is all a part of the
occurrence.
A. Doctrine of Proximate Cause
B. Doctrine of Perils & Hazards
C. Insurance Policy Handbook
D. Doctrine of Property Insurance
A. Doctrine of Proximate Cause
For example, if a property insurance policy covers the peril of fire but further damage is
caused by smoke, water used to ex nguish, and the process of moving property away - fire is
considered to be the proximate cause of all of the damage.
The Loss Se;lement Valua on that subtracts an allowance for deprecia on is defined as?
A. Actual Cash Value
B. Replacement Cost
C. "Old for New"
D. None of the Above
A. Actual Cash Value
A policy condi on, either based on informa on in the insured's applica on or inserted by
the insurer, is defined as:
A. Warranty
B. Misrepresenta on
C. Concealment
D. None of the Above
A. Warranty
The following are basic characteris cs of a property or liability insurance contract, except:
A. Personal Contract
B. Condi onal Contract
,C. Loss of Se;lement Contract
D. Contract of Adhesion
C. Loss of Se;lement Contract
The Insurer's responsibility to pay for a property loss may be condi oned on the insured
having used reasonable means to avoid the loss, to protect the property against further loss,
and to give the insurer proof of the loss is defined as?
A. Condi onal Contract
B. Adhesion Contract
C. Indemnity Contract
D. All of the Above
A. Condi onal Contract
"may be condi oned"
Which of the following is not one of the "Thresholds" in the "No-Fault" law?
A. Death of the Insured
B. Temporary Injury of the Insured
C. A permanent loss of a bodily func on
D. Permanent scarring on the face of the insured
B. Temporary Injury of the Insured
Also included: permanent injury other than scarring and disfigurement
Under Mechanical Breakdown Coverage, new cars are eligible for service up to:
A. 36 Months/36,000 Miles
B. 24 Months/36,000 Miles
C. 12,000 Months/12,000 Miles
D. 12 Months/36,000 Miles
A. 36 Months/36,000 Miles
Used vehicles: 12 Months/12,000 Miles
If financial responsibility doesn't exist at the me of an accident, which of the following
things must happen to avoid penal es?
A. The legally valid claims of others must be sa sfied (up to 10/20/10)
B. The owner and operator must provide cer fica on of future responsibility for future
accidents
C. Both A & B
D. None of the Above
C. Both A & B
As to required proof for future accidents by purchase of auto liability insurance, the insurer
must make a filing (Form SR-22) cer fying that coverage is in effect, and this cer fica on
, must remain on file for __________ years:
A. 1
B. 3
C. 4
D. 2
B. 3
The Business Automobile Policy includes all of the following coverage forms except:
A. The Garage Coverage Form
B. The Trailer Interchange Coverage Form
C. The Truckers Coverage Form
D. The Business Auto Coverage Form
B. The Trailer Interchange Coverage Form
Personal Injury Protec on, or PIP, has a __________ per person, per accident limit.
A. 10,000
B. 20,000
C. 1,000
D. Depends on the damaged property
A. 10,000
Used to insure businesses engaged in selling, servicing, repairing, parking or storing
automobiles:
A. Servicing Coverage Form
B. Garage Coverage Form
C. Truckers Coverage Form
D. None of the Above
B. Garage Coverage Form
The following examples are referred to as __________ liability limits: 25/50/25 or 10/20/10.
A. Split
B. Single
C. Straight
D. None of the Above
A. Split
10/20/10 =
10,000 per person injured
20,000 all injuries combined
10,000 property damage
Example of straight liability limit = $30,000
