Fall Semester 2026–2027 Florida 3-20 Public Adjuster License Updated
2026 | 190+ Questions and Answers | Florida 3-20 Public Adjuster
Licensing Exam Prep, Comprehensive Study Guide, Practice Exam, Test
Bank, Property Insurance, Insurance Claims Handling, Policy
Interpretation, Claims Investigation, Property Damage Assessment,
Florida Insurance Laws and Regulations, Ethics, Settlement Negotiations,
Licensing Review, Detailed Rationales and Complete Revision Material
Question 1: What is the minimum age requirement for an individual to apply for a
Florida 3-20 Public Adjuster license?
A. 18 years old
B. 21 years old
C. 25 years old
D. No age requirement
CORRECT ANSWER: A. 18 years old
Rationale: According to Florida Statute 626.865, a key qualification for a public adjuster
license is that the applicant must be a natural person at least 18 years of age .
Question 2: Under Florida law, what is the minimum surety bond amount a public
adjuster must maintain to be licensed?
A. $10,000
B. $25,000
C. $50,000
D. $100,000
CORRECT ANSWER: C. $50,000
Rationale: Florida law mandates that applicants for a public adjuster license must file a
bond with the Department in the amount of $50,000, conditioned for the faithful
performance of their duties .
Question 3: A licensed public adjuster in Florida must maintain their surety bond
unimpaired for how long after the expiration or termination of their license?
A. 6 months
B. 1 year
C. 2 years
D. 3 years
CORRECT ANSWER: B. 1 year
Rationale: Florida Statute 626.865 states that the bond must remain in effect for one
year after the expiration or termination of the license .
Question 4: What is the aggregate liability limit of the surety on a Florida public
adjuster's bond?
,A. An amount determined by the surety company
B. The total claims made against the adjuster
C. The amount of the bond, which is $50,000
D. An unlimited amount
CORRECT ANSWER: C. The amount of the bond, which is $50,000
Rationale: The aggregate liability of the surety for all damages sustained cannot exceed
the amount of the bond, which is $50,000 .
Question 5: In Florida, who is authorized to solicit business for a public adjuster?
A. Only the licensed public adjuster
B. Any unlicensed person hired by the firm
C. A licensed public adjuster or a licensed apprentice under direct supervision
D. Anyone who is not a licensed attorney
CORRECT ANSWER: C. A licensed public adjuster or a licensed apprentice under
direct supervision
Rationale: The solicitation of public adjusting business is considered a material part of
the business and requires licensure. It can only be engaged in by licensed public
adjusters or public adjuster apprentices under direct supervision .
Question 6: A public adjuster's advertisement must include which of the following?
A. The firm's logo and slogan
B. The full name and license number of the public adjuster who caused the ad to appear
C. A list of all previous claims settled
D. The name of the insurance company being represented
CORRECT ANSWER: B. The full name and license number of the public adjuster
who caused the ad to appear
Rationale: Per Florida Administrative Code 69B-220.051, any advertisement by a public
adjuster must include the full name and license number, as specified in Department
records, of the public adjuster who caused the advertisement to appear .
Question 7: According to Florida regulations, what term describes the act of
initiating contact to have a person enter into an agreement for adjusting services?
A. Claims management
B. Solicitation of public adjusting business
C. Loss prevention
D. Underwriting
CORRECT ANSWER: B. Solicitation of public adjusting business
Rationale: Solicitation is defined in the Florida Administrative Code as initiating contact
with any person to seek, cause, or attempt to have them enter an agreement engaging
the services of a public adjuster .
,Question 8: An unlicensed person may answer a telephone call at a public
adjusting firm's place of business, but they are prohibited from doing which of the
following?
A. Taking a message for a licensed adjuster
B. Explaining a public adjuster contract to a potential client
C. Scheduling an appointment for a licensed adjuster
D. Forwarding a claim file to an insurer
CORRECT ANSWER: B. Explaining a public adjuster contract to a potential client
Rationale: While unlicensed persons can handle administrative matters, they are
specifically prohibited from interpreting, analyzing, or explaining an insurance contract
or a public adjuster contract .
Question 9: A public adjuster must provide Form DFS-H1-1982, the Claim Process
Disclosure Form, to the insured at what point?
A. Before the insured executes the public adjuster contract
B. After the claim is settled
C. Only if the claim amount exceeds $10,000
D. When the claim is denied by the insurer
CORRECT ANSWER: A. Before the insured executes the public adjuster contract
Rationale: Pursuant to Section 626.8796, before an insured executes a contract with a
public adjuster, the adjuster must provide the Claim Process Disclosure Form to the
insured .
Question 10: An unlicensed spokesperson featured in a public adjuster's
advertisement must have what prominently disclosed?
A. The spokesperson's relationship to the firm owner
B. The spokesperson's years of experience in insurance
C. That the party is a paid spokesperson, is not licensed, and is endorsing a licensed
public adjuster
D. The spokesperson's home address
CORRECT ANSWER: C. That the party is a paid spokesperson, is not licensed, and is
endorsing a licensed public adjuster
Rationale: Advertisements using an unlicensed spokesperson must disclose that the
party is a paid or unpaid spokesperson, is not licensed, and is endorsing the services of
a licensed public adjuster .
Question 11: Which of the following is a required contract term for a Florida public
adjuster's contract?
A. The insured's social security number
B. A brief description of the loss
, C. The name of the adjuster's attorney
D. A statement waiving the insured's right to sue
CORRECT ANSWER: B. A brief description of the loss
Rationale: The Florida Administrative Code requires that public adjuster contracts
contain the address of the loss and a brief description of the loss .
Question 12: Who is authorized to execute a public adjuster services contract on
behalf of the firm?
A. A public adjuster apprentice
B. The insured
C. The licensed public adjuster
D. The insurer's claims representative
CORRECT ANSWER: C. The licensed public adjuster
Rationale: The contract for public adjuster services must be executed by the public
adjuster. A public adjuster apprentice is specifically prohibited from executing these
contracts .
Question 13: What is a public adjuster's legal obligation when the insurer makes an
offer to settle a claim?
A. Accept the offer immediately if it is within policy limits
B. Reject all offers until a lawsuit is filed
C. Not accept the settlement unless the terms are approved by the insured or claimant
D. Make the final decision on behalf of the insured
CORRECT ANSWER: C. Not accept the settlement unless the terms are approved by
the insured or claimant
Rationale: A public adjuster shall not accept a settlement of a claim unless the terms
and conditions of the settlement are approved by the insured or claimant .
Question 14: Under Florida law, the term "public adjuster" does NOT include which
of the following?
A. A person licensed in Florida as a public adjuster
B. A person licensed as a public adjuster in another state but not in Florida
C. A person licensed as a public adjuster apprentice in Florida
D. A person whose license is currently in good standing
CORRECT ANSWER: B. A person licensed as a public adjuster in another state but
not in Florida
Rationale: The Florida Administrative Code defines "Public adjuster" as those persons
currently licensed and appointed in good standing by the Department as a public
adjuster. It explicitly does not include persons licensed by other states but not by
Florida .
2026 | 190+ Questions and Answers | Florida 3-20 Public Adjuster
Licensing Exam Prep, Comprehensive Study Guide, Practice Exam, Test
Bank, Property Insurance, Insurance Claims Handling, Policy
Interpretation, Claims Investigation, Property Damage Assessment,
Florida Insurance Laws and Regulations, Ethics, Settlement Negotiations,
Licensing Review, Detailed Rationales and Complete Revision Material
Question 1: What is the minimum age requirement for an individual to apply for a
Florida 3-20 Public Adjuster license?
A. 18 years old
B. 21 years old
C. 25 years old
D. No age requirement
CORRECT ANSWER: A. 18 years old
Rationale: According to Florida Statute 626.865, a key qualification for a public adjuster
license is that the applicant must be a natural person at least 18 years of age .
Question 2: Under Florida law, what is the minimum surety bond amount a public
adjuster must maintain to be licensed?
A. $10,000
B. $25,000
C. $50,000
D. $100,000
CORRECT ANSWER: C. $50,000
Rationale: Florida law mandates that applicants for a public adjuster license must file a
bond with the Department in the amount of $50,000, conditioned for the faithful
performance of their duties .
Question 3: A licensed public adjuster in Florida must maintain their surety bond
unimpaired for how long after the expiration or termination of their license?
A. 6 months
B. 1 year
C. 2 years
D. 3 years
CORRECT ANSWER: B. 1 year
Rationale: Florida Statute 626.865 states that the bond must remain in effect for one
year after the expiration or termination of the license .
Question 4: What is the aggregate liability limit of the surety on a Florida public
adjuster's bond?
,A. An amount determined by the surety company
B. The total claims made against the adjuster
C. The amount of the bond, which is $50,000
D. An unlimited amount
CORRECT ANSWER: C. The amount of the bond, which is $50,000
Rationale: The aggregate liability of the surety for all damages sustained cannot exceed
the amount of the bond, which is $50,000 .
Question 5: In Florida, who is authorized to solicit business for a public adjuster?
A. Only the licensed public adjuster
B. Any unlicensed person hired by the firm
C. A licensed public adjuster or a licensed apprentice under direct supervision
D. Anyone who is not a licensed attorney
CORRECT ANSWER: C. A licensed public adjuster or a licensed apprentice under
direct supervision
Rationale: The solicitation of public adjusting business is considered a material part of
the business and requires licensure. It can only be engaged in by licensed public
adjusters or public adjuster apprentices under direct supervision .
Question 6: A public adjuster's advertisement must include which of the following?
A. The firm's logo and slogan
B. The full name and license number of the public adjuster who caused the ad to appear
C. A list of all previous claims settled
D. The name of the insurance company being represented
CORRECT ANSWER: B. The full name and license number of the public adjuster
who caused the ad to appear
Rationale: Per Florida Administrative Code 69B-220.051, any advertisement by a public
adjuster must include the full name and license number, as specified in Department
records, of the public adjuster who caused the advertisement to appear .
Question 7: According to Florida regulations, what term describes the act of
initiating contact to have a person enter into an agreement for adjusting services?
A. Claims management
B. Solicitation of public adjusting business
C. Loss prevention
D. Underwriting
CORRECT ANSWER: B. Solicitation of public adjusting business
Rationale: Solicitation is defined in the Florida Administrative Code as initiating contact
with any person to seek, cause, or attempt to have them enter an agreement engaging
the services of a public adjuster .
,Question 8: An unlicensed person may answer a telephone call at a public
adjusting firm's place of business, but they are prohibited from doing which of the
following?
A. Taking a message for a licensed adjuster
B. Explaining a public adjuster contract to a potential client
C. Scheduling an appointment for a licensed adjuster
D. Forwarding a claim file to an insurer
CORRECT ANSWER: B. Explaining a public adjuster contract to a potential client
Rationale: While unlicensed persons can handle administrative matters, they are
specifically prohibited from interpreting, analyzing, or explaining an insurance contract
or a public adjuster contract .
Question 9: A public adjuster must provide Form DFS-H1-1982, the Claim Process
Disclosure Form, to the insured at what point?
A. Before the insured executes the public adjuster contract
B. After the claim is settled
C. Only if the claim amount exceeds $10,000
D. When the claim is denied by the insurer
CORRECT ANSWER: A. Before the insured executes the public adjuster contract
Rationale: Pursuant to Section 626.8796, before an insured executes a contract with a
public adjuster, the adjuster must provide the Claim Process Disclosure Form to the
insured .
Question 10: An unlicensed spokesperson featured in a public adjuster's
advertisement must have what prominently disclosed?
A. The spokesperson's relationship to the firm owner
B. The spokesperson's years of experience in insurance
C. That the party is a paid spokesperson, is not licensed, and is endorsing a licensed
public adjuster
D. The spokesperson's home address
CORRECT ANSWER: C. That the party is a paid spokesperson, is not licensed, and is
endorsing a licensed public adjuster
Rationale: Advertisements using an unlicensed spokesperson must disclose that the
party is a paid or unpaid spokesperson, is not licensed, and is endorsing the services of
a licensed public adjuster .
Question 11: Which of the following is a required contract term for a Florida public
adjuster's contract?
A. The insured's social security number
B. A brief description of the loss
, C. The name of the adjuster's attorney
D. A statement waiving the insured's right to sue
CORRECT ANSWER: B. A brief description of the loss
Rationale: The Florida Administrative Code requires that public adjuster contracts
contain the address of the loss and a brief description of the loss .
Question 12: Who is authorized to execute a public adjuster services contract on
behalf of the firm?
A. A public adjuster apprentice
B. The insured
C. The licensed public adjuster
D. The insurer's claims representative
CORRECT ANSWER: C. The licensed public adjuster
Rationale: The contract for public adjuster services must be executed by the public
adjuster. A public adjuster apprentice is specifically prohibited from executing these
contracts .
Question 13: What is a public adjuster's legal obligation when the insurer makes an
offer to settle a claim?
A. Accept the offer immediately if it is within policy limits
B. Reject all offers until a lawsuit is filed
C. Not accept the settlement unless the terms are approved by the insured or claimant
D. Make the final decision on behalf of the insured
CORRECT ANSWER: C. Not accept the settlement unless the terms are approved by
the insured or claimant
Rationale: A public adjuster shall not accept a settlement of a claim unless the terms
and conditions of the settlement are approved by the insured or claimant .
Question 14: Under Florida law, the term "public adjuster" does NOT include which
of the following?
A. A person licensed in Florida as a public adjuster
B. A person licensed as a public adjuster in another state but not in Florida
C. A person licensed as a public adjuster apprentice in Florida
D. A person whose license is currently in good standing
CORRECT ANSWER: B. A person licensed as a public adjuster in another state but
not in Florida
Rationale: The Florida Administrative Code defines "Public adjuster" as those persons
currently licensed and appointed in good standing by the Department as a public
adjuster. It explicitly does not include persons licensed by other states but not by
Florida .
