FLORIDA CLAIMS ADJUSTER EXAM 2026/2027 | 206
Questions with 100% Correct Answers | Aligned with
Florida Statutes & DFS Regulations | Pass Guaranteed -
A+ Graded
Part One: Getting Licensed and Staying Compliant – Florida Insurance Regulations &
Adjuster Licensing
Q1: You’ve just accepted a position as a staff adjuster with a major Florida insurer
writing personal lines. Before you start handling claims, you need to verify your licensing
status. Under Florida law, which statement accurately describes the licensing
requirement for a company staff adjuster?
A. You must obtain an independent adjuster license within 30 days of hire regardless of
the company’s status
B. No individual license is required provided the insurance company holds a valid Florida
certificate of authority and you are a salaried employee [CORRECT]
C. You must pass the state adjuster exam and obtain a public adjuster license before
reviewing any claims
D. You only need a license if you handle commercial property claims exceeding
$100,000
Correct Answer: B
Rationale: Florida Statute 626.112 exempts salaried employees of licensed insurers
from individual adjuster licensing requirements. Independent adjusters (A) and public
adjusters (C) require individual licenses, but staff adjusters operate under the
company’s certificate of authority. The dollar threshold in (D) is fabricated.
Q2: Your colleague wants to start his own adjusting firm and handle claims for multiple
insurers after Hurricane Milton. He’s asking about the difference between an
independent adjuster and a public adjuster in Florida. Which distinction is legally
correct?
A. An independent adjuster represents the policyholder’s interests exclusively, while a
public adjuster represents the insurer
B. Both may charge the policyholder a percentage of the settlement for their services
,C. An independent adjuster is hired by and represents the insurance company, while a
public adjuster is hired by and represents the insured [CORRECT]
D. There is no legal distinction; the terms are interchangeable under Florida Statute 626
Correct Answer: C
Rationale: The fundamental distinction is representation: independent adjusters (IA
firms) work for insurers, while public adjusters (PAs) work for insureds and charge fees
(typically capped at 20% of the settlement, or 10% during a state of emergency). Option
A reverses the roles, and B is incorrect because independent adjusters cannot charge
policyholders fees.
Q3: You’re renewing your independent adjuster license next month. How many hours of
continuing education must you complete every two years to maintain your license in
good standing with the Florida Department of Financial Services?
A. 12 hours
B. 24 hours [CORRECT]
C. 40 hours
D. No continuing education is required for adjusters who maintain an error and
omissions policy
Correct Answer: B
Rationale: Florida Administrative Code 69O-220.003 requires 24 hours of approved
continuing education every two years for independent and public adjusters, including 2
hours of ethics and 10 hours of law updates. The "no CE" option in (D) is false.
Q4: A policyholder calls you six months after you closed her Hurricane Ian claim,
alleging you missed hidden mold damage. She’s threatening to report you to the
Department of Financial Services. Which statute specifically prohibits adjusters from
engaging in unfair claim settlement practices in Florida?
A. Florida Statute 627.70131 (the claim handling timeframes statute)
B. Florida Statute 626.9541 (the Unfair Insurance Trade Practices Act) [CORRECT]
C. Florida Statute 627.706 (the sinkhole statute)
D. Florida Statute 626.641 (which actually governs premium financing, not claim
practices)
Correct Answer: B
Rationale: F.S. 626.9541 enumerates unfair claim settlement practices, including
misrepresenting facts, failing to communicate, and denying claims without reasonable
,investigation. The statute numbers in (A) and (C) are real but address different topics
(timeframes and sinkholes, respectively), while (D) is a distractor referencing premium
financing.
Q5: You’re interviewing for an adjuster position and the employer mentions you’ll need
to get "appointed" once licensed. What does an appointment signify in the Florida
insurance regulatory framework?
A. A formal job offer letter from the hiring manager
B. A certification that you have passed the state bar exam
C. The authorization granted by an insurer to a licensed adjuster allowing them to act on
the insurer’s behalf [CORRECT]
D. A medical clearance certifying you can climb ladders safely
Correct Answer: C
Rationale: An appointment is the official authorization filed with the DFS by an insurer or
adjusting firm allowing a licensed adjuster to handle claims on their behalf. It is distinct
from employment (A) and has nothing to do with legal (B) or medical (D) certifications.
Q6: During a routine audit, the Department of Financial Services discovers you handled
15 claims for a Florida insurer despite your independent adjuster license having lapsed
two months prior. What is the potential civil penalty per violation for acting as an
adjuster without a valid license?
A. $100 per violation
B. Up to $1,000 per violation [CORRECT]
C. License suspension for exactly 30 days, but no monetary fine
D. The penalty is waived if no complaints were filed by policyholders
Correct Answer: B
Rationale: F.S. 626.112 and FAC 69O-220 authorize civil penalties up to $1,000 per
violation for unlicensed adjusting activity, plus potential criminal misdemeanor charges.
The penalties are not waived by lack of complaints (D).
Q7: You receive a notice from the Florida Department of Financial Services stating that
your adjuster license is under investigation for alleged violations. Which of the following
constitutes grounds for license suspension or revocation under Florida law?
A. Paying a claim promptly within 48 hours of receiving the proof of loss
B. Providing the policyholder with a detailed coverage explanation
C. Conviction of a felony involving moral turpitude or insurance fraud [CORRECT]
, D. Attending an approved CE course on time
Correct Answer: C
Rationale: F.S. 626.611 lists grounds for disciplinary action, including felony convictions
involving moral turpitude, fraud, or dishonesty. Prompt payment (A) and customer
service (B) are expected duties, not violations.
Q8: You’re preparing to take the Florida adjuster licensing exam. Which of the following
topics is weighted most heavily on the current examination blueprint for independent
adjusters?
A. Advanced maritime salvage law
B. Florida-specific statutes, property coverages, and claim settlement practices
[CORRECT]
C. Federal securities regulations
D. International reinsurance treaty negotiation
Correct Answer: B
Rationale: The Florida 6-20 and 7-20 adjuster exams emphasize state-specific statutes
(F.S. 626, 627), property policy provisions, and ethical claim handling. Maritime law (A)
and securities (C) are not part of the adjuster curriculum.
Q9: A public adjuster approaches you at a storm site and offers to pay you $500 for
every claim you refer to his firm. He says this is standard practice to "help each other
out" after a hurricane. Under Florida law, this arrangement constitutes:
A. A legal marketing referral fee between licensed professionals
B. Rebating, which is prohibited under F.S. 626.9541 [CORRECT]
C. A valid deductible buy-back scheme
D. An acceptable catastrophe response protocol
Correct Answer: B
Rationale: Paying or offering to pay inducements for referrals (often called
"bird-dogging" fees) constitutes rebating or an unfair trade practice under F.S. 626.9541.
Public adjusters cannot pay third parties for referrals.
Q10: Your adjusting firm wants to operate under a "dba" (doing business as) name to
market services to Florida insurers. What is required regarding this trade name?
A. The trade name must be registered with the Florida Department of Financial Services
and cannot be deceptive or misleading [CORRECT]
B. Trade names are prohibited for adjusting firms; you must use only legal names
Questions with 100% Correct Answers | Aligned with
Florida Statutes & DFS Regulations | Pass Guaranteed -
A+ Graded
Part One: Getting Licensed and Staying Compliant – Florida Insurance Regulations &
Adjuster Licensing
Q1: You’ve just accepted a position as a staff adjuster with a major Florida insurer
writing personal lines. Before you start handling claims, you need to verify your licensing
status. Under Florida law, which statement accurately describes the licensing
requirement for a company staff adjuster?
A. You must obtain an independent adjuster license within 30 days of hire regardless of
the company’s status
B. No individual license is required provided the insurance company holds a valid Florida
certificate of authority and you are a salaried employee [CORRECT]
C. You must pass the state adjuster exam and obtain a public adjuster license before
reviewing any claims
D. You only need a license if you handle commercial property claims exceeding
$100,000
Correct Answer: B
Rationale: Florida Statute 626.112 exempts salaried employees of licensed insurers
from individual adjuster licensing requirements. Independent adjusters (A) and public
adjusters (C) require individual licenses, but staff adjusters operate under the
company’s certificate of authority. The dollar threshold in (D) is fabricated.
Q2: Your colleague wants to start his own adjusting firm and handle claims for multiple
insurers after Hurricane Milton. He’s asking about the difference between an
independent adjuster and a public adjuster in Florida. Which distinction is legally
correct?
A. An independent adjuster represents the policyholder’s interests exclusively, while a
public adjuster represents the insurer
B. Both may charge the policyholder a percentage of the settlement for their services
,C. An independent adjuster is hired by and represents the insurance company, while a
public adjuster is hired by and represents the insured [CORRECT]
D. There is no legal distinction; the terms are interchangeable under Florida Statute 626
Correct Answer: C
Rationale: The fundamental distinction is representation: independent adjusters (IA
firms) work for insurers, while public adjusters (PAs) work for insureds and charge fees
(typically capped at 20% of the settlement, or 10% during a state of emergency). Option
A reverses the roles, and B is incorrect because independent adjusters cannot charge
policyholders fees.
Q3: You’re renewing your independent adjuster license next month. How many hours of
continuing education must you complete every two years to maintain your license in
good standing with the Florida Department of Financial Services?
A. 12 hours
B. 24 hours [CORRECT]
C. 40 hours
D. No continuing education is required for adjusters who maintain an error and
omissions policy
Correct Answer: B
Rationale: Florida Administrative Code 69O-220.003 requires 24 hours of approved
continuing education every two years for independent and public adjusters, including 2
hours of ethics and 10 hours of law updates. The "no CE" option in (D) is false.
Q4: A policyholder calls you six months after you closed her Hurricane Ian claim,
alleging you missed hidden mold damage. She’s threatening to report you to the
Department of Financial Services. Which statute specifically prohibits adjusters from
engaging in unfair claim settlement practices in Florida?
A. Florida Statute 627.70131 (the claim handling timeframes statute)
B. Florida Statute 626.9541 (the Unfair Insurance Trade Practices Act) [CORRECT]
C. Florida Statute 627.706 (the sinkhole statute)
D. Florida Statute 626.641 (which actually governs premium financing, not claim
practices)
Correct Answer: B
Rationale: F.S. 626.9541 enumerates unfair claim settlement practices, including
misrepresenting facts, failing to communicate, and denying claims without reasonable
,investigation. The statute numbers in (A) and (C) are real but address different topics
(timeframes and sinkholes, respectively), while (D) is a distractor referencing premium
financing.
Q5: You’re interviewing for an adjuster position and the employer mentions you’ll need
to get "appointed" once licensed. What does an appointment signify in the Florida
insurance regulatory framework?
A. A formal job offer letter from the hiring manager
B. A certification that you have passed the state bar exam
C. The authorization granted by an insurer to a licensed adjuster allowing them to act on
the insurer’s behalf [CORRECT]
D. A medical clearance certifying you can climb ladders safely
Correct Answer: C
Rationale: An appointment is the official authorization filed with the DFS by an insurer or
adjusting firm allowing a licensed adjuster to handle claims on their behalf. It is distinct
from employment (A) and has nothing to do with legal (B) or medical (D) certifications.
Q6: During a routine audit, the Department of Financial Services discovers you handled
15 claims for a Florida insurer despite your independent adjuster license having lapsed
two months prior. What is the potential civil penalty per violation for acting as an
adjuster without a valid license?
A. $100 per violation
B. Up to $1,000 per violation [CORRECT]
C. License suspension for exactly 30 days, but no monetary fine
D. The penalty is waived if no complaints were filed by policyholders
Correct Answer: B
Rationale: F.S. 626.112 and FAC 69O-220 authorize civil penalties up to $1,000 per
violation for unlicensed adjusting activity, plus potential criminal misdemeanor charges.
The penalties are not waived by lack of complaints (D).
Q7: You receive a notice from the Florida Department of Financial Services stating that
your adjuster license is under investigation for alleged violations. Which of the following
constitutes grounds for license suspension or revocation under Florida law?
A. Paying a claim promptly within 48 hours of receiving the proof of loss
B. Providing the policyholder with a detailed coverage explanation
C. Conviction of a felony involving moral turpitude or insurance fraud [CORRECT]
, D. Attending an approved CE course on time
Correct Answer: C
Rationale: F.S. 626.611 lists grounds for disciplinary action, including felony convictions
involving moral turpitude, fraud, or dishonesty. Prompt payment (A) and customer
service (B) are expected duties, not violations.
Q8: You’re preparing to take the Florida adjuster licensing exam. Which of the following
topics is weighted most heavily on the current examination blueprint for independent
adjusters?
A. Advanced maritime salvage law
B. Florida-specific statutes, property coverages, and claim settlement practices
[CORRECT]
C. Federal securities regulations
D. International reinsurance treaty negotiation
Correct Answer: B
Rationale: The Florida 6-20 and 7-20 adjuster exams emphasize state-specific statutes
(F.S. 626, 627), property policy provisions, and ethical claim handling. Maritime law (A)
and securities (C) are not part of the adjuster curriculum.
Q9: A public adjuster approaches you at a storm site and offers to pay you $500 for
every claim you refer to his firm. He says this is standard practice to "help each other
out" after a hurricane. Under Florida law, this arrangement constitutes:
A. A legal marketing referral fee between licensed professionals
B. Rebating, which is prohibited under F.S. 626.9541 [CORRECT]
C. A valid deductible buy-back scheme
D. An acceptable catastrophe response protocol
Correct Answer: B
Rationale: Paying or offering to pay inducements for referrals (often called
"bird-dogging" fees) constitutes rebating or an unfair trade practice under F.S. 626.9541.
Public adjusters cannot pay third parties for referrals.
Q10: Your adjusting firm wants to operate under a "dba" (doing business as) name to
market services to Florida insurers. What is required regarding this trade name?
A. The trade name must be registered with the Florida Department of Financial Services
and cannot be deceptive or misleading [CORRECT]
B. Trade names are prohibited for adjusting firms; you must use only legal names
