FL ADJUSTER EXAM (WEBCE) EXAM NEWEST 2026 ACTUAL EXAM| REAL EXAM WITH 250 QUESTIONS AND CORRECT ANSWERS (VERIFIED ANSWERS) ALREADY GRADED A+|| NEW!!

FL ADJUSTER EXAM (WEBCE) EXAM
NEWEST 2026 ACTUAL EXAM| REAL
EXAM WITH 250 QUESTIONS AND
CORRECT ANSWERS (VERIFIED
ANSWERS) ALREADY GRADED A+||
NEW!!
1. MalcolmmEnterprisesmsustainsmamseriousmfiremlossmtomitsmfactory.mOperationsmaremsuspend
edmformseveralmweeksmwhilemrepairsmaremmade.mDuringmthismtime,mMalcolmmEnterprisesmc
annotmproducemthemgoodsmtheymsellmandmwillmlosemconsiderablemincome.mHowmwouldmyou
mdescribemthemlossmofmincome?




A. proximatemloss
B. directmloss
C. coveredmloss
D. indirectmlossm-mCORRECTmANSWERmD.mindirectmloss



2. WhichmofmthemfollowingmismamrequirementmtomoperatemasmanminsurancemagencyminmFlorida
?



A. appointmentmofmatmleastmtwomagentsmtommanagemthemagency
B. obtainingmamlicensemormregistrationmfrommthemstate
C. submittingmanmapplicationmandmappointingmthemOfficemasmitsmagentmformservicemofm
process
D. havingmtransactedminsuranceminmFloridamformatmleastmtwomyearsmbeforemapplyingmfo
rmamlicensem-
mCORRECTmANSWERmB.mobtainingmamlicensemormregistrationmfrommthemstate




3. ThemDepartmentmcannotmsuspendmormrevokemanmadjuster'smlicensemformwhichmofmthemfollo
wingmreasons?

, A. failingmtommeetmprojectedmsalesmgoals
B. violatingmthemCodemofmEthics
C. engagingminmrebating
D. intentionallymviolatingmtheminsurancemlawsm-
mCORRECTmANSWERmA.mfailingmtommeetmprojectedmsalesmgoals




4. Howmdompublicmadjustersmprimarilymdiffermfrommstaffmormindependentmadjusters?



A. Publicmadjustersmrepresentminsureds,mwhilemothermadjustersmrepresentminsurers.
B. Publicmadjustersmaremgovernmentmemployees.
C. Publicmadjustersmworkmonlymwithmclaimsmbelowmamcertainmvalue.
D. Publicmadjustersmspecializeminmcertainmclaims.m-
mCORRECTmANSWERmA.mPublicmadjustersmrepresentminsureds,mwhilemothermadjuste


rsmrepresentminsurers.



5. Whichmofmthemfollowingmactivitiesmdoesmnotmviolatemtheminsurancemcode?



A. tellingmclientsmthatmanmagentmholdsmamcharteredmfinancialmconsultantm(ChFC)mdesig
nation
B. offeringmtomsharemamcommissionmifmamclientmbuysmseveralminsurancempolicies
C. chargingmamfeemthatmismmoremthanmthempremiummstatedminmthempolicy
D. tellingmclientsmthatmanmagentmismcertifiedmtomprovidemspecializedmfinancialmadvicemt
omseniormcitizensm-
mCORRECTmANSWERmA.mtellingmclientsmthatmanmagentmholdsmamcharteredmfinancialm


consultantm(ChFC)mdesignation



6. Amcustomermslipsmandmfallsmonmamwetmfloorminmamstore,mandmincursmdamagesmconsistingmofm
emergencymroommcharges,mdoctormbills,mX-
rays,mandmlostmearningsmfrommhermjobmwhenmshemcouldn'tmworkmformtwomweeks.mAllmofmth
esemaremexamplesmof:

, A. generalmdamages
B. punitivemdamages
C. specialmdamages
D. speculativemdamagesm-mCORRECTmANSWERmC.mspecialmdamages



7. Insurersmmustmkeepmrecordsmofmtheirminsurancemtransactionsmformhowmmanymyearsmaftermt
hemtransactionmwasmcompleted?



A. five
B. four
C. three
D. twom-mCORRECTmANSWERmA.mfive



8. Steammboilermexplosionsmaremcoveredmundermwhichmofmthemfollowingmtypesmofmpropertymi
nsurancempolicies?



A. mechanicalmbreakdownmpolicy
B. equipmentmbreakdownmpolicy
C. floodminsurancempolicy
D. ordinancemormlawmendorsementm-
mCORRECTmANSWERmB.mequipmentmbreakdownmpolicy




9. AmliabilitymadjustermhasmeachmofmthemfollowingmdutiesmEXCEPT:



A. tomprotectmtheminsured
B. tomtreatmthemclaimantmfairly
C. tomrepresentmtheminterestsmofmtheminsurer
D. tomprosecutemthempartymthatmcausedmthemlossm-
mCORRECTmANSWERmD.mtomprosecutemthempartymthatmcausedmthemloss

, 10. BBXmInsurersmterminatedmHenry'smappointmentmasmitsmadjustermonmDecemberm1.mHowmlo
ngmwillmHenrymremainmeligiblemtombemappointedmasmanmadjustermbymanotherminsurer?



A. 12mmonths
B. 24mmonths
C. 36mmonths
D. 48mmonthsm-mCORRECTmANSWERmD.m48mmonths



11. Tomavoidmthemappearancemofmpracticingmlaw,mamclaimsmadjuster'smcommunicationsmwithma
nminsuredmshouldmalwaysmbe



A. limitedmtominterpretationsmofmthempolicy
B. reviewedmbymanmattorney
C. limitedmtomthemwordingmofmthempolicy
D. supportedmbymreferencesmtomthemlawm-
mCORRECTmANSWERmC.mlimitedmtomthemwordingmofmthempolicy




12. Whenmdealingmwithminsurancempolicies,mamproducer'smfalsemstatementmofmmaterialmfactmism
calledma:



A. misrepresentation
B. fraudulentmrepresentation
C. actmofmconcealment
D. falsempromisem-mCORRECTmANSWERmA.mmisrepresentation



13. Insurancemcompaniesmandmpolicyholdersmrelymonmthemhonestymandmdisclosuresmofmthemot
hermpartymwhenmnegotiatingmthemsalemofminsurancempolicies,mwhichmismwhyminsurancempoli
ciesmaremconsideredmtombemcontractsmof:



A. actuarialmprinciples
B. utmostmgoodmfaith