FLORIDA CLAIMS ADJUSTER EXAM 2026/2027 | 206
Questions with 100% Correct Answers | DFS Standards
Aligned | Complete Licensing Prep | Pass Guaranteed - A+
Graded
Part One: Florida Insurance Regulations & Adjuster Licensing
(40 Questions)
Q1: A Florida resident wants to become an independent adjuster handling claims for
multiple insurance companies. What is the required surety bond amount for the license
application?
A. $1,000
B. $5,000 [CORRECT]
C. $10,000
D. $25,000
Correct Answer: B
Rationale: Florida Statute 626.112 requires a $5,000 surety bond for independent
adjuster applicants to protect the public from potential misconduct. Public adjusters
require a $10,000 bond (Option C), while company staff adjusters don't require a bond.
Options A and D are incorrect amounts.
,Q2: An adjuster's license is set to expire on April 30, 2027. How many hours of
continuing education must be completed before renewal, and what specific content is
required?
A. 12 hours total, all general credits
B. 24 hours including 5 hours of ethics or law [CORRECT]
C. 30 hours with 10 hours of Florida-specific perils
D. No continuing education required for adjusters
Correct Answer: B
Rationale: Florida requires 24 hours of CE per biennium (every 2 years) for adjuster
license renewal, including at least 5 hours specifically in ethics, law, or professional
standards. Options A understates the requirement. Option C overstates it. Option D is
incorrect—adjusters must complete CE.
Q3: An unlicensed individual investigates a property damage claim and negotiates
settlement with the insurer on behalf of the policyholder. Which Florida statute makes
this a criminal offense?
A. F.S. 624.401 (Insurance Code violations)
B. F.S. 626.112 (Licensing of adjusters) [CORRECT]
C. F.S. 627.736 (PIP requirements)
D. F.S. 440.02 (Workers' compensation definitions)
Correct Answer: B
,Rationale: F.S. 626.112 prohibits unlicensed adjusting—it's a third-degree felony in
Florida to act as an adjuster without proper licensure. Option A is the general insurance
code. Option C governs auto injury benefits. Option D covers workers' comp.
Q4: A newly licensed independent adjuster receives her license on June 1, 2026. When
must she complete her first continuing education requirements?
A. By June 1, 2027
B. By her first renewal date (birth month in 2027 or as specified by license cycle)
[CORRECT]
C. No CE required for first year
D. By December 31, 2026
Correct Answer: B
Rationale: CE must be completed by the license expiration/renewal date, which typically
follows the adjuster's birth month biennially. The first renewal cycle determines the
initial deadline. Options A, C, and D don't align with Florida's biennial renewal system
tied to birth months.
Q5: An insurance company wants to authorize a licensed adjuster to handle their claims
in Florida. What is this formal authorization called?
A. Certification
B. Appointment [CORRECT]
C. Endorsement
, D. Accreditation
Correct Answer: B
Rationale: An appointment is the formal authorization from an insurer allowing a
licensed adjuster to handle claims on their behalf, filed with the Florida DFS. Options A,
C, and D describe other credentialing processes but not the specific insurance term.
Q6: A company staff adjuster employed by a single insurer needs to handle claims in
Florida. What license is required?
A. Independent adjuster license with $5,000 bond
B. Public adjuster license with $10,000 bond
C. Company staff adjuster license (no bond required) [CORRECT]
D. No license required for employees
Correct Answer: C
Rationale: Company staff adjusters (employed by a single insurer or managing general
agent) require a staff adjuster license but don't need a surety bond since they're
supervised by the employer. Options A and B are for other adjuster types. Option D is
incorrect—all adjusters need licensure.
Q7: An adjuster moves from Georgia to Florida and wants to continue adjusting claims.
What must occur regarding licensure?
A. Georgia license automatically transfers
Questions with 100% Correct Answers | DFS Standards
Aligned | Complete Licensing Prep | Pass Guaranteed - A+
Graded
Part One: Florida Insurance Regulations & Adjuster Licensing
(40 Questions)
Q1: A Florida resident wants to become an independent adjuster handling claims for
multiple insurance companies. What is the required surety bond amount for the license
application?
A. $1,000
B. $5,000 [CORRECT]
C. $10,000
D. $25,000
Correct Answer: B
Rationale: Florida Statute 626.112 requires a $5,000 surety bond for independent
adjuster applicants to protect the public from potential misconduct. Public adjusters
require a $10,000 bond (Option C), while company staff adjusters don't require a bond.
Options A and D are incorrect amounts.
,Q2: An adjuster's license is set to expire on April 30, 2027. How many hours of
continuing education must be completed before renewal, and what specific content is
required?
A. 12 hours total, all general credits
B. 24 hours including 5 hours of ethics or law [CORRECT]
C. 30 hours with 10 hours of Florida-specific perils
D. No continuing education required for adjusters
Correct Answer: B
Rationale: Florida requires 24 hours of CE per biennium (every 2 years) for adjuster
license renewal, including at least 5 hours specifically in ethics, law, or professional
standards. Options A understates the requirement. Option C overstates it. Option D is
incorrect—adjusters must complete CE.
Q3: An unlicensed individual investigates a property damage claim and negotiates
settlement with the insurer on behalf of the policyholder. Which Florida statute makes
this a criminal offense?
A. F.S. 624.401 (Insurance Code violations)
B. F.S. 626.112 (Licensing of adjusters) [CORRECT]
C. F.S. 627.736 (PIP requirements)
D. F.S. 440.02 (Workers' compensation definitions)
Correct Answer: B
,Rationale: F.S. 626.112 prohibits unlicensed adjusting—it's a third-degree felony in
Florida to act as an adjuster without proper licensure. Option A is the general insurance
code. Option C governs auto injury benefits. Option D covers workers' comp.
Q4: A newly licensed independent adjuster receives her license on June 1, 2026. When
must she complete her first continuing education requirements?
A. By June 1, 2027
B. By her first renewal date (birth month in 2027 or as specified by license cycle)
[CORRECT]
C. No CE required for first year
D. By December 31, 2026
Correct Answer: B
Rationale: CE must be completed by the license expiration/renewal date, which typically
follows the adjuster's birth month biennially. The first renewal cycle determines the
initial deadline. Options A, C, and D don't align with Florida's biennial renewal system
tied to birth months.
Q5: An insurance company wants to authorize a licensed adjuster to handle their claims
in Florida. What is this formal authorization called?
A. Certification
B. Appointment [CORRECT]
C. Endorsement
, D. Accreditation
Correct Answer: B
Rationale: An appointment is the formal authorization from an insurer allowing a
licensed adjuster to handle claims on their behalf, filed with the Florida DFS. Options A,
C, and D describe other credentialing processes but not the specific insurance term.
Q6: A company staff adjuster employed by a single insurer needs to handle claims in
Florida. What license is required?
A. Independent adjuster license with $5,000 bond
B. Public adjuster license with $10,000 bond
C. Company staff adjuster license (no bond required) [CORRECT]
D. No license required for employees
Correct Answer: C
Rationale: Company staff adjusters (employed by a single insurer or managing general
agent) require a staff adjuster license but don't need a surety bond since they're
supervised by the employer. Options A and B are for other adjuster types. Option D is
incorrect—all adjusters need licensure.
Q7: An adjuster moves from Georgia to Florida and wants to continue adjusting claims.
What must occur regarding licensure?
A. Georgia license automatically transfers
