3-20 Public Adjuster Exam 1 Florida 2026/2027 A+ Grade Practice Questions
and Answers
Coverage C in the Homeowners policy covers:
A) Dwelling
B) Other Structures
C) Personal Property
D) Loss of Use - (answer)C:
Coverage C in the Homeowners policy covers Personal Property.
A ________ Adjuster is any person who works on behalf of an insured in negotiating the settlement of
an insurance claim.
A) Company
B )Independent
C) Public
D) Personal - (answer)C:
A Public Adjuster is any person who works on behalf of an insured in negotiating the settlement of an
insurance claim.
A Public Adjuster shall not approach investigations, adjustments, and settlements in a manner
__________ to an insured.
A) favorable
B) beneficial
C) helpful
D) prejudicial - (answer)D:
A Public Adjuster shall not approach investigations, adjustments, and settlements in a manner prejudicial
to an insured.
,3-20 Public Adjuster Exam 1 Florida 2026/2027 A+ Grade Practice Questions
and Answers
Joe Insured received a claims check without an estimate or any written explanation as to the payment.
According to Joe's calculations, the insurance company has only paid about 60% of his claim. The one
thing Joe did see and did definitely notice is the words on the front and back of the insurance company's
check "FINAL RELEASE OF ALL CLAIMS".
A) fair is far, if Joe cashes the check then the claim is closed
B) the Final Release of All Claims statement is all Joe needs to know to settle his claim
C) the insurance company is required to provide Joe in writing the details of the settlement of his claim
including how and why he received a partial settlement of his claim
D) Joe should return the check and ask for the other 30% - (answer)C:
Failing to promptly provide a *reasonable* explanation in writing to the insured of the basis in the
insurance policy, in relation to the facts or applicable law, for denial of a claim, or for the offer of a
compromise settlement is considered an unfair or deceptive claims practice or act.
Bert of Bert's Better Lawns has given Bill Simmons a quote of $100 per month for Bill's lawn and
landscaping. Bill has accepted Better Lawns offer but advised Better Lawns he was only will to pay $95
per month. What is Bill's "acceptance" called?
A) An Offer
B) An Acceptance
C) Consideration
D) A Counter-Offer - (answer)D:
A counter-offer is an offer made in response to a previous offer by the other party during negotiations
for a final contract. ...Making a counter-offer automatically rejects the prior offer and requires an
acceptance under the terms of the counter-offer or there is no contract.
The claims __________ process is the natural interplay of the coverage determination and claims
investigation process which determines "how much" coverage is available, how much is payable; and to
whom. - (answer)The claims evaluation process is the natural interplay of the coverage determination
and claims investigation process which determines "how much" coverage is available, how much is
payable; and to whom.
,3-20 Public Adjuster Exam 1 Florida 2026/2027 A+ Grade Practice Questions
and Answers
The Commercial Builders Risk Coverage Form terminates
A) 90 days after construction is completed
B) When the property is sold, abandoned or ownership is transferred
C) 60 days after the building is occupied or put to its intended use
D) All of the above - (answer)D:
Builders Risk Coverage Form terminates: at policy expiration date; property is sold, abandoned or
ownership is transferred; 60 days after the building is occupied or put to its intended use; and 90 days
after construction is completed.
This coverage provides medical expenses for bodily injuries by accident irrespective of legal liability.
A) Admitted Aircraft Liability Coverage
B) Medical Payments
C) Aircraft Liability
D) None of these apply - (answer)B:
Medical Payments provides medical expenses for bodily injuries by accident irrespective of legal liability.
A _______ is an assertion of a right demanding a remedy or relief either as a matter of contract or law. -
(answer)A claim is an assertion of a right demanding a remedy or relief either as a matter of contract or
law.
In the Commercial Property Insurance policy form Building coverage includes materials, equipment, and
supplies within ____ feet of the premises.
A )50
B )100
, 3-20 Public Adjuster Exam 1 Florida 2026/2027 A+ Grade Practice Questions
and Answers
C )500
D )1000 - (answer)B:
Building coverage includes materials, equipment, and supplies within 100 feet of the premises.
Which of the following are eligible for a Citizen's Property Insurance policy?
A) Single-family homes
B) Condo unit owners
C) Mobile Homes
D) All of the above - (answer)D:
Read Section 16.2 for a complete review.
Generally speaking, to have the status to legally contract in Florida a person must be at least ___ years of
age.
A) 16
B) 18
C) 21
D) 25 - (answer)B:
Generally speaking, to have the status to legally contract in Florida a person must be at least 18 years of
age.
"A detailed, logical explanation of coverage, damages, and liability delivered to the claimant in a clear
and thoughtful manner" when making a settlement offer. What type of claims negotiator does this
describe?
A self-interested negotiator
B) hard-headed and hard-nosed negotiator
and Answers
Coverage C in the Homeowners policy covers:
A) Dwelling
B) Other Structures
C) Personal Property
D) Loss of Use - (answer)C:
Coverage C in the Homeowners policy covers Personal Property.
A ________ Adjuster is any person who works on behalf of an insured in negotiating the settlement of
an insurance claim.
A) Company
B )Independent
C) Public
D) Personal - (answer)C:
A Public Adjuster is any person who works on behalf of an insured in negotiating the settlement of an
insurance claim.
A Public Adjuster shall not approach investigations, adjustments, and settlements in a manner
__________ to an insured.
A) favorable
B) beneficial
C) helpful
D) prejudicial - (answer)D:
A Public Adjuster shall not approach investigations, adjustments, and settlements in a manner prejudicial
to an insured.
,3-20 Public Adjuster Exam 1 Florida 2026/2027 A+ Grade Practice Questions
and Answers
Joe Insured received a claims check without an estimate or any written explanation as to the payment.
According to Joe's calculations, the insurance company has only paid about 60% of his claim. The one
thing Joe did see and did definitely notice is the words on the front and back of the insurance company's
check "FINAL RELEASE OF ALL CLAIMS".
A) fair is far, if Joe cashes the check then the claim is closed
B) the Final Release of All Claims statement is all Joe needs to know to settle his claim
C) the insurance company is required to provide Joe in writing the details of the settlement of his claim
including how and why he received a partial settlement of his claim
D) Joe should return the check and ask for the other 30% - (answer)C:
Failing to promptly provide a *reasonable* explanation in writing to the insured of the basis in the
insurance policy, in relation to the facts or applicable law, for denial of a claim, or for the offer of a
compromise settlement is considered an unfair or deceptive claims practice or act.
Bert of Bert's Better Lawns has given Bill Simmons a quote of $100 per month for Bill's lawn and
landscaping. Bill has accepted Better Lawns offer but advised Better Lawns he was only will to pay $95
per month. What is Bill's "acceptance" called?
A) An Offer
B) An Acceptance
C) Consideration
D) A Counter-Offer - (answer)D:
A counter-offer is an offer made in response to a previous offer by the other party during negotiations
for a final contract. ...Making a counter-offer automatically rejects the prior offer and requires an
acceptance under the terms of the counter-offer or there is no contract.
The claims __________ process is the natural interplay of the coverage determination and claims
investigation process which determines "how much" coverage is available, how much is payable; and to
whom. - (answer)The claims evaluation process is the natural interplay of the coverage determination
and claims investigation process which determines "how much" coverage is available, how much is
payable; and to whom.
,3-20 Public Adjuster Exam 1 Florida 2026/2027 A+ Grade Practice Questions
and Answers
The Commercial Builders Risk Coverage Form terminates
A) 90 days after construction is completed
B) When the property is sold, abandoned or ownership is transferred
C) 60 days after the building is occupied or put to its intended use
D) All of the above - (answer)D:
Builders Risk Coverage Form terminates: at policy expiration date; property is sold, abandoned or
ownership is transferred; 60 days after the building is occupied or put to its intended use; and 90 days
after construction is completed.
This coverage provides medical expenses for bodily injuries by accident irrespective of legal liability.
A) Admitted Aircraft Liability Coverage
B) Medical Payments
C) Aircraft Liability
D) None of these apply - (answer)B:
Medical Payments provides medical expenses for bodily injuries by accident irrespective of legal liability.
A _______ is an assertion of a right demanding a remedy or relief either as a matter of contract or law. -
(answer)A claim is an assertion of a right demanding a remedy or relief either as a matter of contract or
law.
In the Commercial Property Insurance policy form Building coverage includes materials, equipment, and
supplies within ____ feet of the premises.
A )50
B )100
, 3-20 Public Adjuster Exam 1 Florida 2026/2027 A+ Grade Practice Questions
and Answers
C )500
D )1000 - (answer)B:
Building coverage includes materials, equipment, and supplies within 100 feet of the premises.
Which of the following are eligible for a Citizen's Property Insurance policy?
A) Single-family homes
B) Condo unit owners
C) Mobile Homes
D) All of the above - (answer)D:
Read Section 16.2 for a complete review.
Generally speaking, to have the status to legally contract in Florida a person must be at least ___ years of
age.
A) 16
B) 18
C) 21
D) 25 - (answer)B:
Generally speaking, to have the status to legally contract in Florida a person must be at least 18 years of
age.
"A detailed, logical explanation of coverage, damages, and liability delivered to the claimant in a clear
and thoughtful manner" when making a settlement offer. What type of claims negotiator does this
describe?
A self-interested negotiator
B) hard-headed and hard-nosed negotiator
