FLORIDA CLAIMS ADJUSTER LATEST 2026 MAIN FINAL
PAPER QUESTIONS AND ANSWERS GRADED A+
✔✔The following are basic characteristics of a property or liability insurance contract,
except:
A. Personal Contract
B. Conditional Contract
C. Loss of Settlement Contract
D. Contract of Adhesion - ✔✔C. Loss of Settlement Contract
✔✔The Insurer's responsibility to pay for a property loss may be conditioned on the
insured having used reasonable means to avoid the loss, to protect the property against
further loss, and to give the insurer proof of the loss is defined as?
A. Conditional Contract
B. Adhesion Contract
C. Indemnity Contract
D. All of the Above - ✔✔A. Conditional Contract
"may be conditioned"
✔✔Which of the following is not one of the "Thresholds" in the "No-Fault" law?
A. Death of the Insured
B. Temporary Injury of the Insured
C. A permanent loss of a bodily function
D. Permanent scarring on the face of the insured - ✔✔B. Temporary Injury of the
Insured
Also included: permanent injury other than scarring and disfigurement
✔✔Under Mechanical Breakdown Coverage, new cars are eligible for service up to:
A. 36 Months/36,000 Miles
B. 24 Months/36,000 Miles
C. 12,000 Months/12,000 Miles
D. 12 Months/36,000 Miles - ✔✔A. 36 Months/36,000 Miles
Used vehicles: 12 Months/12,000 Miles
✔✔If financial responsibility doesn't exist at the time of an accident, which of the
following things must happen to avoid penalties?
A. The legally valid claims of others must be satisfied (up to 10/20/10)
B. The owner and operator must provide certification of future responsibility for future
accidents
C. Both A & B
D. None of the Above - ✔✔C. Both A & B
✔✔As to required proof for future accidents by purchase of auto liability insurance, the
insurer must make a filing (Form SR-22) certifying that coverage is in effect, and this
certification must remain on file for __________ years:
,A. 1
B. 3
C. 4
D. 2 - ✔✔B. 3
✔✔The Business Automobile Policy includes all of the following coverage forms except:
A. The Garage Coverage Form
B. The Trailer Interchange Coverage Form
C. The Truckers Coverage Form
D. The Business Auto Coverage Form - ✔✔B. The Trailer Interchange Coverage Form
✔✔Personal Injury Protection, or PIP, has a __________ per person, per accident limit.
A. 10,000
B. 20,000
C. 1,000
D. Depends on the damaged property - ✔✔A. 10,000
✔✔Used to insure businesses engaged in selling, servicing, repairing, parking or storing
automobiles:
A. Servicing Coverage Form
B. Garage Coverage Form
C. Truckers Coverage Form
D. None of the Above - ✔✔B. Garage Coverage Form
✔✔The following examples are referred to as __________ liability limits: 25/50/25 or
10/20/10.
A. Split
B. Single
C. Straight
D. None of the Above - ✔✔A. Split
10/20/10 =
10,000 per person injured
20,000 all injuries combined
10,000 property damage
Example of straight liability limit = $30,000
✔✔Jeremy has a not at fault accident. If he has PIP with a $1,000 deductible, how
much can he expect his PIP coverage to pay toward his medical bills that total $3,000?
A. $1,600
B. $1,000
C. $2,400
D. $3,000 - ✔✔A. $1,600
3000 (bills) - 1000 (deductible) =
2000 x .80 (eighty percent)
,✔✔Frank has a not-at-fault accident, he has basic PIP, no deductible and Med pay of
$5,000. How much will his Med Pay contribute to medical bills of $15,000?
A. $15,000
B. $5,000
C. $3,000
D. $0, Frank is not-at-fault - ✔✔B. $5,000
Medical Payment limits apply per person; Frank will receive full amount towards medical
bills.
✔✔Which of the following is not one of the rating factors for a Homeowner's Policy?
A. Type of Construction
B. Location of Risk
C. Age & Gender of Insured
D. Proximity to Fire Department - ✔✔C. Age & Gender of Insured
✔✔On a Homeowner's Policy, covers items that are not permanently attached to the
dwelling. This is defined as:
A. Other Structures
B. Excess Structures
C. Personal Property
D. Dwelling - ✔✔A. Other Structures
Examples include sheds, fences, pool houses, detached car ports, etc.
✔✔A lender has an insurable interest in a home and finds protection in the:
A. Loss Payee Clause
B. Mortgagee Clause
C. Lender Clause
D. Additional Insured Clause - ✔✔B. Mortgagee Clause
Mortgagee - Homeowner's policy
Loss Payee - Automobile policy
✔✔Which of the following forms is "all-risk" on the dwelling policy?
A. DP-1, or the Basic Form
B. DP-2, or the Broad
C. DP-3, or the Special Form
D. None of the Above - ✔✔C. DP-3, or the Special Form
✔✔When the basic liability limits provided by the policy are insufficient for an insureds
needs, two coverage forms are used to provide the additional amounts of coverage:
A. Excess Liability
B. Umbrella
C. Both A & B
D. None of the Above - ✔✔C. Both A & B
, ✔✔Which of the following is not covered under Coverage C, Personal Property?
A. A fire breaks out in the residence and an overnight guest loses his clothes in the fire
B. A fish dies because he has been left alone for a week without food
C. The insureds daughters tennis racket is stolen from her locker
D. The insureds suitcase and clothing, valued at $1,500, are stolen from his hotel -
✔✔B. A fish dies because he has been left alone for a week without food
Animals are listed as an "exclusion" under a Homeowner's policy.
✔✔All of the following are eligible for a Homeowner's Policy, except?
A. An apartment tenant
B. A condominium owner
C. Four-family dwelling owner-occupant
D. A business condo owned by a local insurance company - ✔✔D. A business condo
owned by a local insurance company
Commercial property is not eligible for a Homeowner's policy.
✔✔Which of the following are characteristics of Homeowner's Insurance?
A. Protects against economic loss to residences and household property and legal
liabilities
B. Owner-occupants of 1-4 family dwellings
C. Renters who maintain residential occupancy in any type of building
D. All of the Above - ✔✔D. All of the Above
Also included: personal, non-business risk, no more than 2 roomers/boarders,
condominium unit owners and cooperative apartment occupants
✔✔Jeremy owns a home that is recently damaged due to a hurricane. The repair
estimate is averaged at $25,000 and Jeremy decides to stay in a hotel because most of
the damage is to his bedroom and kitchen. Under a Homeowner's Policy, what
coverage will pay for the hotel room bill?
A. Fair Rental Value
B. Value Obligation
C. Loss of Use
D. Insurers Duties - ✔✔C. Loss of Use
The insurer will pay any necessary and reasonable expenses associated with a daily
living routine.
✔✔An insured who wishes to purchase flood insurance, but is located in a moderate or
low risk flood zone may do so by purchasing a:
A. Preferred Risk Flood Policy
B. Standard Flood Policy
C. Universal Flood Insurance
D. None of the Above - ✔✔A. Preferred Risk Flood Policy
Although Flood Insurance is provided by the Federal Government, those who are not in
a "flood zone" may purchase a preferred risk policy to cover them for a flood claim.
PAPER QUESTIONS AND ANSWERS GRADED A+
✔✔The following are basic characteristics of a property or liability insurance contract,
except:
A. Personal Contract
B. Conditional Contract
C. Loss of Settlement Contract
D. Contract of Adhesion - ✔✔C. Loss of Settlement Contract
✔✔The Insurer's responsibility to pay for a property loss may be conditioned on the
insured having used reasonable means to avoid the loss, to protect the property against
further loss, and to give the insurer proof of the loss is defined as?
A. Conditional Contract
B. Adhesion Contract
C. Indemnity Contract
D. All of the Above - ✔✔A. Conditional Contract
"may be conditioned"
✔✔Which of the following is not one of the "Thresholds" in the "No-Fault" law?
A. Death of the Insured
B. Temporary Injury of the Insured
C. A permanent loss of a bodily function
D. Permanent scarring on the face of the insured - ✔✔B. Temporary Injury of the
Insured
Also included: permanent injury other than scarring and disfigurement
✔✔Under Mechanical Breakdown Coverage, new cars are eligible for service up to:
A. 36 Months/36,000 Miles
B. 24 Months/36,000 Miles
C. 12,000 Months/12,000 Miles
D. 12 Months/36,000 Miles - ✔✔A. 36 Months/36,000 Miles
Used vehicles: 12 Months/12,000 Miles
✔✔If financial responsibility doesn't exist at the time of an accident, which of the
following things must happen to avoid penalties?
A. The legally valid claims of others must be satisfied (up to 10/20/10)
B. The owner and operator must provide certification of future responsibility for future
accidents
C. Both A & B
D. None of the Above - ✔✔C. Both A & B
✔✔As to required proof for future accidents by purchase of auto liability insurance, the
insurer must make a filing (Form SR-22) certifying that coverage is in effect, and this
certification must remain on file for __________ years:
,A. 1
B. 3
C. 4
D. 2 - ✔✔B. 3
✔✔The Business Automobile Policy includes all of the following coverage forms except:
A. The Garage Coverage Form
B. The Trailer Interchange Coverage Form
C. The Truckers Coverage Form
D. The Business Auto Coverage Form - ✔✔B. The Trailer Interchange Coverage Form
✔✔Personal Injury Protection, or PIP, has a __________ per person, per accident limit.
A. 10,000
B. 20,000
C. 1,000
D. Depends on the damaged property - ✔✔A. 10,000
✔✔Used to insure businesses engaged in selling, servicing, repairing, parking or storing
automobiles:
A. Servicing Coverage Form
B. Garage Coverage Form
C. Truckers Coverage Form
D. None of the Above - ✔✔B. Garage Coverage Form
✔✔The following examples are referred to as __________ liability limits: 25/50/25 or
10/20/10.
A. Split
B. Single
C. Straight
D. None of the Above - ✔✔A. Split
10/20/10 =
10,000 per person injured
20,000 all injuries combined
10,000 property damage
Example of straight liability limit = $30,000
✔✔Jeremy has a not at fault accident. If he has PIP with a $1,000 deductible, how
much can he expect his PIP coverage to pay toward his medical bills that total $3,000?
A. $1,600
B. $1,000
C. $2,400
D. $3,000 - ✔✔A. $1,600
3000 (bills) - 1000 (deductible) =
2000 x .80 (eighty percent)
,✔✔Frank has a not-at-fault accident, he has basic PIP, no deductible and Med pay of
$5,000. How much will his Med Pay contribute to medical bills of $15,000?
A. $15,000
B. $5,000
C. $3,000
D. $0, Frank is not-at-fault - ✔✔B. $5,000
Medical Payment limits apply per person; Frank will receive full amount towards medical
bills.
✔✔Which of the following is not one of the rating factors for a Homeowner's Policy?
A. Type of Construction
B. Location of Risk
C. Age & Gender of Insured
D. Proximity to Fire Department - ✔✔C. Age & Gender of Insured
✔✔On a Homeowner's Policy, covers items that are not permanently attached to the
dwelling. This is defined as:
A. Other Structures
B. Excess Structures
C. Personal Property
D. Dwelling - ✔✔A. Other Structures
Examples include sheds, fences, pool houses, detached car ports, etc.
✔✔A lender has an insurable interest in a home and finds protection in the:
A. Loss Payee Clause
B. Mortgagee Clause
C. Lender Clause
D. Additional Insured Clause - ✔✔B. Mortgagee Clause
Mortgagee - Homeowner's policy
Loss Payee - Automobile policy
✔✔Which of the following forms is "all-risk" on the dwelling policy?
A. DP-1, or the Basic Form
B. DP-2, or the Broad
C. DP-3, or the Special Form
D. None of the Above - ✔✔C. DP-3, or the Special Form
✔✔When the basic liability limits provided by the policy are insufficient for an insureds
needs, two coverage forms are used to provide the additional amounts of coverage:
A. Excess Liability
B. Umbrella
C. Both A & B
D. None of the Above - ✔✔C. Both A & B
, ✔✔Which of the following is not covered under Coverage C, Personal Property?
A. A fire breaks out in the residence and an overnight guest loses his clothes in the fire
B. A fish dies because he has been left alone for a week without food
C. The insureds daughters tennis racket is stolen from her locker
D. The insureds suitcase and clothing, valued at $1,500, are stolen from his hotel -
✔✔B. A fish dies because he has been left alone for a week without food
Animals are listed as an "exclusion" under a Homeowner's policy.
✔✔All of the following are eligible for a Homeowner's Policy, except?
A. An apartment tenant
B. A condominium owner
C. Four-family dwelling owner-occupant
D. A business condo owned by a local insurance company - ✔✔D. A business condo
owned by a local insurance company
Commercial property is not eligible for a Homeowner's policy.
✔✔Which of the following are characteristics of Homeowner's Insurance?
A. Protects against economic loss to residences and household property and legal
liabilities
B. Owner-occupants of 1-4 family dwellings
C. Renters who maintain residential occupancy in any type of building
D. All of the Above - ✔✔D. All of the Above
Also included: personal, non-business risk, no more than 2 roomers/boarders,
condominium unit owners and cooperative apartment occupants
✔✔Jeremy owns a home that is recently damaged due to a hurricane. The repair
estimate is averaged at $25,000 and Jeremy decides to stay in a hotel because most of
the damage is to his bedroom and kitchen. Under a Homeowner's Policy, what
coverage will pay for the hotel room bill?
A. Fair Rental Value
B. Value Obligation
C. Loss of Use
D. Insurers Duties - ✔✔C. Loss of Use
The insurer will pay any necessary and reasonable expenses associated with a daily
living routine.
✔✔An insured who wishes to purchase flood insurance, but is located in a moderate or
low risk flood zone may do so by purchasing a:
A. Preferred Risk Flood Policy
B. Standard Flood Policy
C. Universal Flood Insurance
D. None of the Above - ✔✔A. Preferred Risk Flood Policy
Although Flood Insurance is provided by the Federal Government, those who are not in
a "flood zone" may purchase a preferred risk policy to cover them for a flood claim.
