FLORIDA CLAIMS ADJUSTER EXAM 6-20 ALL LINES
2026/2027 | 332 Questions Updated Review | All Lines
Adjuster License Prep | Pass Guaranteed - A+ Graded
Getting Started: Florida Insurance Rules and Your 6-20 License
This opening section covers the regulatory framework every Florida adjuster must
master—licensing requirements, appointments, continuing education, and the
distinctions between independent, company, and public adjusters.
Q1: You're reviewing an application for a 6-20 All-Lines Adjuster license. The applicant
holds a current Florida 2-20 General Lines (Property & Casualty) agent license.
According to Florida Statute 626.221, what is the correct processing determination?
A. The applicant must take the state examination because agent licenses do not qualify
for adjuster exemptions.
B. The applicant is exempt from the state examination and may proceed with licensure.
C. The applicant must first surrender their 2-20 license before applying for the 6-20.
D. The applicant qualifies only for a public adjuster license, not an all-lines license.
Correct Answer: B
Rationale: Florida Statute 626.221 specifically exempts holders of a General Lines
(Property & Casualty) license from the adjuster state examination. The 2-20 license
demonstrates sufficient competency in property and casualty principles. Option A is
,incorrect because agent licenses do qualify for this exemption. Option C is wrong
because holding multiple licenses is permitted (though one cannot hold both public and
all-lines simultaneously). Option D is incorrect because the 2-20 qualifies for all-lines
exemption, not public adjuster restriction.
Q2: Maria, a newly licensed 6-20 adjuster, wants to work for multiple insurance
companies handling hurricane claims. What arrangement best describes her situation
under Florida law?
A. She must become a public adjuster to represent multiple carriers.
B. She can work as a company employee adjuster for one carrier while freelancing for
others.
C. She may operate as an independent adjuster, either self-appointed or through an
adjusting firm.
D. She is limited to working for a single insurer until she completes her first year.
Correct Answer: C
Rationale: An independent adjuster is defined as a licensed all-lines adjuster who is
self-appointed or employed by a licensed adjusting firm, working on behalf of insurers to
ascertain and determine claim amounts. Option A confuses public adjusters (who
represent insureds, not insurers) with independent adjusters. Option B violates the
definition of company employee adjusters, who work exclusively for one insurer. Option
D describes a restriction that does not exist in Florida law.
Q3: Which of the following designations, when earned from an approved provider, will
exempt an applicant from the Florida 6-20 state examination?
A. Certified Insurance Counselor (CIC) from the National Alliance
,B. Associate in Risk Management (ARM) from the Insurance Institute of America
C. Accredited Claims Adjuster (ACA) from an accredited Florida postsecondary
institution
D. Certified Financial Planner (CFP) from the CFP Board
Correct Answer: C
Rationale: Florida Statute 626.221(j) specifically lists the Accredited Claims Adjuster
(ACA) from an accredited Florida postsecondary institution as an exam-exempting
designation. The CIC, ARM, and CFP are valuable credentials but are not among the
statutorily enumerated designations that waive the Florida adjuster examination
requirement.
Q4: A candidate for the 6-20 license asks about the continuing education requirements.
For an adjuster licensed less than six years, what is the biennial requirement?
A. 12 hours due by the end of the licensee's birth month
B. 20 hours due by the end of the licensee's birth month
C. 24 hours due by the end of the licensee's birth month
D. 40 hours due annually on the license anniversary date
Correct Answer: C
Rationale: Section 626.2815, Florida Statutes, requires adjusters licensed less than six
years to complete 24 hours of continuing education every two years, due by the end of
the licensee's birth month. Option B describes the requirement for adjusters with six or
more years of licensure. Options A and D describe non-existent requirements.
, Q5: An attorney licensed to practice law in Florida and in good standing with The Florida
Bar applies for a 6-20 adjuster license. Which statement is accurate?
A. The attorney is automatically granted a 6-20 license without application or fees.
B. The attorney is exempt from the licensing requirement entirely and needs no 6-20
license.
C. The attorney must apply and pay fees but is exempt from the state examination per
Section 626.860.
D. The attorney may only adjust claims for their own law firm's insurance clients.
Correct Answer: C
Rationale: Section 626.860 exempts Florida attorneys from the licensing requirement,
meaning they do not need a 6-20 to adjust claims. However, if they choose to apply for
the license, they are exempt from the state examination but must still complete the
application and pay fees. The exemption applies to the license requirement itself, not
just the exam. Option B is partially correct but misleading because the exemption
means they don't need the license at all, not that they get it automatically.
Q6: During a compliance audit, you discover an adjuster holding both a 6-20 All-Lines
license and a 3-20 Public Adjuster license. What does Florida law require?
A. Nothing; holding both licenses is permitted for experienced adjusters.
B. The adjuster must designate which license is "primary" for each claim.
C. The adjuster must surrender one license, as holding both simultaneously is
prohibited.
D. The adjuster may keep both licenses but cannot adjust claims for six months.
2026/2027 | 332 Questions Updated Review | All Lines
Adjuster License Prep | Pass Guaranteed - A+ Graded
Getting Started: Florida Insurance Rules and Your 6-20 License
This opening section covers the regulatory framework every Florida adjuster must
master—licensing requirements, appointments, continuing education, and the
distinctions between independent, company, and public adjusters.
Q1: You're reviewing an application for a 6-20 All-Lines Adjuster license. The applicant
holds a current Florida 2-20 General Lines (Property & Casualty) agent license.
According to Florida Statute 626.221, what is the correct processing determination?
A. The applicant must take the state examination because agent licenses do not qualify
for adjuster exemptions.
B. The applicant is exempt from the state examination and may proceed with licensure.
C. The applicant must first surrender their 2-20 license before applying for the 6-20.
D. The applicant qualifies only for a public adjuster license, not an all-lines license.
Correct Answer: B
Rationale: Florida Statute 626.221 specifically exempts holders of a General Lines
(Property & Casualty) license from the adjuster state examination. The 2-20 license
demonstrates sufficient competency in property and casualty principles. Option A is
,incorrect because agent licenses do qualify for this exemption. Option C is wrong
because holding multiple licenses is permitted (though one cannot hold both public and
all-lines simultaneously). Option D is incorrect because the 2-20 qualifies for all-lines
exemption, not public adjuster restriction.
Q2: Maria, a newly licensed 6-20 adjuster, wants to work for multiple insurance
companies handling hurricane claims. What arrangement best describes her situation
under Florida law?
A. She must become a public adjuster to represent multiple carriers.
B. She can work as a company employee adjuster for one carrier while freelancing for
others.
C. She may operate as an independent adjuster, either self-appointed or through an
adjusting firm.
D. She is limited to working for a single insurer until she completes her first year.
Correct Answer: C
Rationale: An independent adjuster is defined as a licensed all-lines adjuster who is
self-appointed or employed by a licensed adjusting firm, working on behalf of insurers to
ascertain and determine claim amounts. Option A confuses public adjusters (who
represent insureds, not insurers) with independent adjusters. Option B violates the
definition of company employee adjusters, who work exclusively for one insurer. Option
D describes a restriction that does not exist in Florida law.
Q3: Which of the following designations, when earned from an approved provider, will
exempt an applicant from the Florida 6-20 state examination?
A. Certified Insurance Counselor (CIC) from the National Alliance
,B. Associate in Risk Management (ARM) from the Insurance Institute of America
C. Accredited Claims Adjuster (ACA) from an accredited Florida postsecondary
institution
D. Certified Financial Planner (CFP) from the CFP Board
Correct Answer: C
Rationale: Florida Statute 626.221(j) specifically lists the Accredited Claims Adjuster
(ACA) from an accredited Florida postsecondary institution as an exam-exempting
designation. The CIC, ARM, and CFP are valuable credentials but are not among the
statutorily enumerated designations that waive the Florida adjuster examination
requirement.
Q4: A candidate for the 6-20 license asks about the continuing education requirements.
For an adjuster licensed less than six years, what is the biennial requirement?
A. 12 hours due by the end of the licensee's birth month
B. 20 hours due by the end of the licensee's birth month
C. 24 hours due by the end of the licensee's birth month
D. 40 hours due annually on the license anniversary date
Correct Answer: C
Rationale: Section 626.2815, Florida Statutes, requires adjusters licensed less than six
years to complete 24 hours of continuing education every two years, due by the end of
the licensee's birth month. Option B describes the requirement for adjusters with six or
more years of licensure. Options A and D describe non-existent requirements.
, Q5: An attorney licensed to practice law in Florida and in good standing with The Florida
Bar applies for a 6-20 adjuster license. Which statement is accurate?
A. The attorney is automatically granted a 6-20 license without application or fees.
B. The attorney is exempt from the licensing requirement entirely and needs no 6-20
license.
C. The attorney must apply and pay fees but is exempt from the state examination per
Section 626.860.
D. The attorney may only adjust claims for their own law firm's insurance clients.
Correct Answer: C
Rationale: Section 626.860 exempts Florida attorneys from the licensing requirement,
meaning they do not need a 6-20 to adjust claims. However, if they choose to apply for
the license, they are exempt from the state examination but must still complete the
application and pay fees. The exemption applies to the license requirement itself, not
just the exam. Option B is partially correct but misleading because the exemption
means they don't need the license at all, not that they get it automatically.
Q6: During a compliance audit, you discover an adjuster holding both a 6-20 All-Lines
license and a 3-20 Public Adjuster license. What does Florida law require?
A. Nothing; holding both licenses is permitted for experienced adjusters.
B. The adjuster must designate which license is "primary" for each claim.
C. The adjuster must surrender one license, as holding both simultaneously is
prohibited.
D. The adjuster may keep both licenses but cannot adjust claims for six months.
