Florida 4-40 Customer Representative (CIR) License - English Exam (2026)
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Jesse's home is worth $200,000 and he has a homeowners policy with a $160,000 limit. After a covered
loss, Jesse is left with a total of $10,000 in damages. Assuming the insurer requires the standard 80%
level of insurance for coinsurance purposes, and ignoring any deductibles, how much will Jesse receive in
indemnification? - (ANSWER)10,000
A power surge sparks a small electrical fire in an office building. The electrical fire triggers the automatic
sprinkler system. The water from the sprinklers soaks the carpets and shorts-out all the computers,
causing thousands of dollars in damage. What is the proximate cause of the loss? - (ANSWER)The power
surge
Which of the following statements is NOT true of an insurance adjuster? - (ANSWER)An insurance
adjuster receives her authority to sell products on behalf of the insurer through a written contract.
Samantha, an agent for NED Insurance, routinely misrepresents policy provisions or fails to bring them
up at all in her sales discussions with potential clients in an effort to make more sales. All of the following
statements are likely true, EXCEPT: - (ANSWER)Samantha is fulfilling her fiduciary duty to NED Insurance
by selling more policies.
After her business suffered damage in a fire, Jane filed a claim with Acme Insurance, which dispatched
Bob to adjust it, even though he was not allowed to adjust commercial claims. He investigated Jane's
losses and submitted his estimate to Acme Insurance, which issued her a settlement check based on that
estimate. Bob had _______ because Acme Insurance accepted his estimate and paid Jane's claim. -
(ANSWER)apparent authority
Which of the following was NOT a major benefit of The My Safe Florida Home Program? -
(ANSWER)Disaster preparedness education
Sam, who has a typical HO-3 policy, is forced to evacuate his home by civil authorities due to rising flood
waters in his neighborhood. It takes a month before Sam is allowed to come back to his home. During
this time, he has spent $3,000 in hotel expenses, on top of his monthly mortgage payment of $850.
When he files a claim, how much will Sam receive under Coverage D - Loss of Use? - (ANSWER)$0
,Florida 4-40 Customer Representative (CIR) License - English Exam (2026)
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Anton is purchasing homeowner's insurance for his new house. He wants to make sure his policy offers
the BEST coverage available. Which policy should Anton choose? - (ANSWER)HO-5
Sally has an HO-3 policy on her $150,000 home in the country. One day, a bear breaks down Sally's back
door to get into her kitchen for a snack. When Sally comes home to find the damage, she files a claim
with her insurance company. Will the damage to Sally's home be covered, and why or why not? -
(ANSWER)Yes. The HO-3 is an open-peril policy, without an exclusion for wildlife.
John moved out of his house and put it up for sale three months ago. While he was waiting for the house
to sell, John's plumbing pipes froze and burst in the icy temperatures, which eventually led to water
damaging the cabinetry and hardwood floors. Which of the following statements would most likely be
TRUE? - (ANSWER)Although John's house was still covered under an HO-3, the damage would not be
covered because he didn't shut off the water supply.
Craig has an HO-3 policy covering his primary residence with a Coverage A limit of $250,000, Coverage B
limit of $25,000, and a Coverage C limit of $150,000. Craig also has a cabin on the lake, which was
burglarized. The thieves stole much of the cabin's contents, for a total loss of $18,500. Ignoring any
deductibles, how much will Craig's HO-3 policy pay for this claim? - (ANSWER)$15,000
Which of the following is TRUE concerning a Business Owners Policy? - (ANSWER)A business owners
policy offers liability protection.
Liability coverage in a BOP is provided on: - (ANSWER)an occurrence basis, only.
Diana is insured under a DP-2 policy with the following coverage limits: Coverage A - $150,000, Coverage
B - $15,000, and Coverage C - $25,000. She and her fiancé have planned a destination wedding, but their
hotel catches fire shortly after their arrival. Smoke from the fire damages all of their belongings,
including Diana's $4,000 wedding dress. Diana's loss totals $5,200. When she files a claim with her
insurance company, how much can she expect to receive for this loss under her DP-2 (ignoring any
deductible)? - (ANSWER)$2,500
, Florida 4-40 Customer Representative (CIR) License - English Exam (2026)
UPDATE Verified Questions And Answers | With 100% Correct Answers
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Which of the following may be covered under a DP-3? - (ANSWER)Flood
Which of the following would be covered under Coverage A in a dwelling policy? - (ANSWER)Damage to
the land
Farmer Scott owns a farm and raises goats, producing a lot of manure. Occasionally, after a strong rain,
some of the waste washes into a nearby river. Which insurance coverage can protect Scott from any
liability caused by the goat waste runoff? - (ANSWER)Farm Pollution Liability
Phil runs a locomotive repair business, which is insured under a commercial property policy. One night,
some blasting powder is accidentally ignited and blows a crowbar through one of the engines. No one is
hurt, but the locomotive is severely damaged. Which coverage option may help cover the cost of
repairing the engine from this unfortunate event? - (ANSWER)Legal Liability Coverage
Which of the following events would trigger the end to a commercial property Builders Risk Coverage
Form? - (ANSWER)The building is accepted by the purchaser.
Larry owns a restaurant downtown and employs his cousin Vinny as one of the line cooks. Vinny is a
rather careless individual, and one night he leaves the stove on, leaking gas throughout the kitchen.
When the ice machine turns on, it sparks a massive explosion. Which condition in Larry's commercial
property policy indicates that he may be covered for this loss? - (ANSWER)Control of Property
Scott lived in a mobile home before it was completely destroyed in a recent flood. The mobile home is
large enough to qualify for a special loss settlement under his flood policy, which has a limit of $28,000.
Before the flood, the mobile home was worth $15,000, but it would cost $25,700 to buy a new one
today. How much indemnification will Scott receive for this loss? - (ANSWER)$22,500
DEC Construction was hired to completely renovate Randall's department store. DEC Construction is in
charge of the project, but hires Mac Electric (an independent contractor) to complete the electrical
portion of the job and requires Mac to buy Owners & Contractors Protective Liability coverage as a
UPDATE Verified Questions And Answers | With 100% Correct Answers
graded A+ Guaranteed Success!!
Jesse's home is worth $200,000 and he has a homeowners policy with a $160,000 limit. After a covered
loss, Jesse is left with a total of $10,000 in damages. Assuming the insurer requires the standard 80%
level of insurance for coinsurance purposes, and ignoring any deductibles, how much will Jesse receive in
indemnification? - (ANSWER)10,000
A power surge sparks a small electrical fire in an office building. The electrical fire triggers the automatic
sprinkler system. The water from the sprinklers soaks the carpets and shorts-out all the computers,
causing thousands of dollars in damage. What is the proximate cause of the loss? - (ANSWER)The power
surge
Which of the following statements is NOT true of an insurance adjuster? - (ANSWER)An insurance
adjuster receives her authority to sell products on behalf of the insurer through a written contract.
Samantha, an agent for NED Insurance, routinely misrepresents policy provisions or fails to bring them
up at all in her sales discussions with potential clients in an effort to make more sales. All of the following
statements are likely true, EXCEPT: - (ANSWER)Samantha is fulfilling her fiduciary duty to NED Insurance
by selling more policies.
After her business suffered damage in a fire, Jane filed a claim with Acme Insurance, which dispatched
Bob to adjust it, even though he was not allowed to adjust commercial claims. He investigated Jane's
losses and submitted his estimate to Acme Insurance, which issued her a settlement check based on that
estimate. Bob had _______ because Acme Insurance accepted his estimate and paid Jane's claim. -
(ANSWER)apparent authority
Which of the following was NOT a major benefit of The My Safe Florida Home Program? -
(ANSWER)Disaster preparedness education
Sam, who has a typical HO-3 policy, is forced to evacuate his home by civil authorities due to rising flood
waters in his neighborhood. It takes a month before Sam is allowed to come back to his home. During
this time, he has spent $3,000 in hotel expenses, on top of his monthly mortgage payment of $850.
When he files a claim, how much will Sam receive under Coverage D - Loss of Use? - (ANSWER)$0
,Florida 4-40 Customer Representative (CIR) License - English Exam (2026)
UPDATE Verified Questions And Answers | With 100% Correct Answers
graded A+ Guaranteed Success!!
Anton is purchasing homeowner's insurance for his new house. He wants to make sure his policy offers
the BEST coverage available. Which policy should Anton choose? - (ANSWER)HO-5
Sally has an HO-3 policy on her $150,000 home in the country. One day, a bear breaks down Sally's back
door to get into her kitchen for a snack. When Sally comes home to find the damage, she files a claim
with her insurance company. Will the damage to Sally's home be covered, and why or why not? -
(ANSWER)Yes. The HO-3 is an open-peril policy, without an exclusion for wildlife.
John moved out of his house and put it up for sale three months ago. While he was waiting for the house
to sell, John's plumbing pipes froze and burst in the icy temperatures, which eventually led to water
damaging the cabinetry and hardwood floors. Which of the following statements would most likely be
TRUE? - (ANSWER)Although John's house was still covered under an HO-3, the damage would not be
covered because he didn't shut off the water supply.
Craig has an HO-3 policy covering his primary residence with a Coverage A limit of $250,000, Coverage B
limit of $25,000, and a Coverage C limit of $150,000. Craig also has a cabin on the lake, which was
burglarized. The thieves stole much of the cabin's contents, for a total loss of $18,500. Ignoring any
deductibles, how much will Craig's HO-3 policy pay for this claim? - (ANSWER)$15,000
Which of the following is TRUE concerning a Business Owners Policy? - (ANSWER)A business owners
policy offers liability protection.
Liability coverage in a BOP is provided on: - (ANSWER)an occurrence basis, only.
Diana is insured under a DP-2 policy with the following coverage limits: Coverage A - $150,000, Coverage
B - $15,000, and Coverage C - $25,000. She and her fiancé have planned a destination wedding, but their
hotel catches fire shortly after their arrival. Smoke from the fire damages all of their belongings,
including Diana's $4,000 wedding dress. Diana's loss totals $5,200. When she files a claim with her
insurance company, how much can she expect to receive for this loss under her DP-2 (ignoring any
deductible)? - (ANSWER)$2,500
, Florida 4-40 Customer Representative (CIR) License - English Exam (2026)
UPDATE Verified Questions And Answers | With 100% Correct Answers
graded A+ Guaranteed Success!!
Which of the following may be covered under a DP-3? - (ANSWER)Flood
Which of the following would be covered under Coverage A in a dwelling policy? - (ANSWER)Damage to
the land
Farmer Scott owns a farm and raises goats, producing a lot of manure. Occasionally, after a strong rain,
some of the waste washes into a nearby river. Which insurance coverage can protect Scott from any
liability caused by the goat waste runoff? - (ANSWER)Farm Pollution Liability
Phil runs a locomotive repair business, which is insured under a commercial property policy. One night,
some blasting powder is accidentally ignited and blows a crowbar through one of the engines. No one is
hurt, but the locomotive is severely damaged. Which coverage option may help cover the cost of
repairing the engine from this unfortunate event? - (ANSWER)Legal Liability Coverage
Which of the following events would trigger the end to a commercial property Builders Risk Coverage
Form? - (ANSWER)The building is accepted by the purchaser.
Larry owns a restaurant downtown and employs his cousin Vinny as one of the line cooks. Vinny is a
rather careless individual, and one night he leaves the stove on, leaking gas throughout the kitchen.
When the ice machine turns on, it sparks a massive explosion. Which condition in Larry's commercial
property policy indicates that he may be covered for this loss? - (ANSWER)Control of Property
Scott lived in a mobile home before it was completely destroyed in a recent flood. The mobile home is
large enough to qualify for a special loss settlement under his flood policy, which has a limit of $28,000.
Before the flood, the mobile home was worth $15,000, but it would cost $25,700 to buy a new one
today. How much indemnification will Scott receive for this loss? - (ANSWER)$22,500
DEC Construction was hired to completely renovate Randall's department store. DEC Construction is in
charge of the project, but hires Mac Electric (an independent contractor) to complete the electrical
portion of the job and requires Mac to buy Owners & Contractors Protective Liability coverage as a
