FLORIDA 3-20 PUBLIC ADJUSTER STATE LICENSING EXAMINATION 2026/2027 EDITION | DFS / PEARSON VUE
FLORIDA PUBLIC ADJUSTER STATE TEST
100 QUESTIONS | 100% CORRECT ANSWERS | 2026/2027 EDITION
Florida 3-20 Public Adjuster State Licensing Examination Preparation
Aligned with the Florida Department of Financial Services (DFS) Exam Content Outline, Florida Statute 626.854, Florida
Administrative Code Chapter 69B, and Public Adjuster Professional Standards (2026/2027 Edition).
Total Questions: 100 | Sections: 6 | Passing Score (Official Exam): 70% | Cognitive Mix: 25% Recall, 50% Application,
25% Analysis | Style: 70% Scenario-based, 30% Direct Knowledge
Instructions: Each question has four options (A–D). Only ONE option is correct. The correct answer is marked
*[CORRECT]* and is shown in bold. The line 'Correct Answer: X' follows each question, with a rationale
referencing Florida DFS regulations, Florida Statutes, and public adjusting standards. Read each question carefully,
particularly scenario-based questions where multiple facts may implicate different rules.
SECTION 1: LICENSING REQUIREMENTS & ELIGIBILITY
This section evaluates the candidate's mastery of Florida 3-20 Public Adjuster licensing prerequisites, including age
and citizenship requirements, the Florida principal place of business rule, the 24-hour pre-licensing education
requirement (with 3 hours of ethics and 3 hours of Florida law), the $50,000 surety bond payable to the Department of
Financial Services, the 12-month apprenticeship under a licensed public adjuster, biennial renewal by the last day of
the licensee's birth month in even-numbered years, and the 24-hour continuing-education requirement per compliance
period. Candidates should be prepared to apply these requirements to real-world scenarios involving incomplete
applications, defective bonds, lapsed CE, and apprenticeship supervision questions.
Q1 | Recall | Direct Knowledge
Q1: Under Florida law, what is the minimum age requirement for an applicant seeking a 3-20 Public Adjuster
license?
A. 16 years of age
B. 18 years of age *[CORRECT]*
C. 21 years of age
D. 25 years of age
Correct Answer: B
Rationale: Florida Department of Financial Services (DFS) requires every 3-20 Public Adjuster applicant to be at least 18
years old at the time of application. Options A (16) and C (21) reflect common misreadings of unrelated insurance or
contractual age thresholds; option D (25) has no statutory basis in Florida's adjuster licensing framework.
Aligned with F.S. 626.854 | F.A.C. Ch. 69B | DFS Public Adjuster Professional Standards Page 1
,FLORIDA 3-20 PUBLIC ADJUSTER STATE LICENSING EXAMINATION 2026/2027 EDITION | DFS / PEARSON VUE
Q2 | Recall | Direct Knowledge
Q2: Which of the following correctly describes the citizenship or work-authorization requirement for Florida
public adjuster applicants?
A. Applicants must be natural-born U.S. citizens only.
B. Applicants must be U.S. citizens or provide proof of legal work authorization. *[CORRECT]*
C. Applicants must hold a Florida-issued driver license as proof of citizenship.
D. Citizenship is not required as long as the applicant resides in Florida.
Correct Answer: B
Rationale: Florida DFS accepts either U.S. citizenship OR documented legal work authorization (such as a DHS-issued
employment authorization document) for licensure. Natural-born citizenship (A) is overbroad and exclusionary; a driver license
(C) establishes identity, not work authorization; and residency alone (D) does not satisfy federal work-authorization
requirements.
Q3 | Recall | Direct Knowledge
Q3: Where must a Florida-licensed public adjuster maintain a principal place of business?
A. Anywhere within the United States, regardless of state.
B. In any state that offers reciprocal licensing with Florida.
C. Within the State of Florida. *[CORRECT]*
D. Only in the county where the licensee resides.
Correct Answer: C
Rationale: Florida law requires the principal place of business to be physically located within the State of Florida, ensuring
DFS jurisdiction and consumer protection. Out-of-state offices (A, B) defeat regulatory oversight; option D's county-only
restriction (D) is narrower than the statute requires.
Q4 | Recall | Direct Knowledge
Q4: How many hours of approved pre-licensing education must a 3-20 Public Adjuster applicant complete
before sitting for the state examination?
A. 12 hours
B. 20 hours
C. 24 hours, including 3 hours of ethics and 3 hours of Florida law *[CORRECT]*
D. 40 hours, including 10 hours of ethics and 5 hours of Florida law
Correct Answer: C
Rationale: Florida mandates 24 hours of DFS-approved pre-licensing education, with mandatory sub-components of 3 hours in
ethics and 3 hours of Florida insurance law. Options A, B, and D misstate either the total hour count or the required ethics/law
sub-components.
Aligned with F.S. 626.854 | F.A.C. Ch. 69B | DFS Public Adjuster Professional Standards Page 2
,FLORIDA 3-20 PUBLIC ADJUSTER STATE LICENSING EXAMINATION 2026/2027 EDITION | DFS / PEARSON VUE
Q5 | Recall | Direct Knowledge
Q5: What surety bond amount is required of a Florida 3-20 Public Adjuster, and in whose favor must it be
written?
A. $25,000 bond in favor of the licensee's appointing insurer.
B. $50,000 bond in favor of the Florida Department of Financial Services. *[CORRECT]*
C. $100,000 bond in favor of the insured client.
D. $10,000 bond in favor of the Florida Insurance Guaranty Association.
Correct Answer: B
Rationale: Florida law requires a $50,000 surety bond written in favor of the Department of Financial Services, providing a
recovery source for any member of the public harmed by the adjuster's misconduct. Option A's amount is too low and the
beneficiary is wrong; C and D misstate both the amount and the obligee.
Q6 | Application | Scenario
Q6: Maria passes her 3-20 exam on March 1 and immediately opens a public adjusting firm. She has not yet
posted a surety bond. Her first client signs a contract the next week. Which statement is TRUE?
A. Maria may adjust the claim if she files a bond application within 30 days.
B. Maria may not lawfully act as a public adjuster until the $50,000 surety bond is posted and accepted by
DFS. *[CORRECT]*
C. Maria only needs the bond if her contingency fee exceeds 10%.
D. Maria may begin work after she emails DFS a letter of intent to obtain a bond.
Correct Answer: B
Rationale: An active $50,000 surety bond in favor of DFS is a condition precedent to engaging in public adjusting; without it,
the license is not in force and any contract is unenforceable. Options A and D unlawfully substitute intent for actual posting of
the bond; option C invents a non-existent fee trigger for bonding.
Q7 | Recall | Direct Knowledge
Q7: How long is the apprenticeship requirement for a new public adjuster applicant who has no prior adjusting
experience?
A. 3 months under any licensed insurance agent.
B. 6 months under a Florida-licensed 6-20 adjuster.
C. 12 months under a licensed public adjuster. *[CORRECT]*
D. 24 months under a Florida-licensed attorney.
Correct Answer: C
Rationale: Florida requires a 12-month apprenticeship under the direct supervision of a licensed public adjuster (3-20). Shorter
periods (A, B) and supervision by an attorney (D) do not satisfy the public-adjuster-specific mentorship requirement.
Aligned with F.S. 626.854 | F.A.C. Ch. 69B | DFS Public Adjuster Professional Standards Page 3
, FLORIDA 3-20 PUBLIC ADJUSTER STATE LICENSING EXAMINATION 2026/2027 EDITION | DFS / PEARSON VUE
Q8 | Application | Scenario
Q8: A newly licensed public adjuster apprentice wants to handle a large commercial loss on his own while his
supervising public adjuster is on vacation. The supervising adjuster gave verbal approval. What is the correct
analysis?
A. The apprentice may handle the claim because verbal consent is sufficient.
B. The apprentice may not handle the claim independently; apprenticeship requires direct supervision by the
licensed public adjuster. *[CORRECT]*
C. The apprentice may handle the claim if he secures a separate $25,000 bond.
D. The apprentice may handle the claim only if the client waives supervision in writing.
Correct Answer: B
Rationale: Florida apprenticeship rules require direct supervision by the licensed public adjuster of record; verbal consent or
client waivers do not satisfy statutory supervision. The apprentice cannot independently bind the firm or the client. Options A,
C, and D all improperly dilute the supervision standard.
Q9 | Recall | Direct Knowledge
Q9: Public adjuster license renewal in Florida occurs on what schedule?
A. Annually, on January 1.
B. Biennially, by the last day of the licensee's birth month in even-numbered years. *[CORRECT]*
C. Biennially, by the last day of the licensee's birth month in odd-numbered years.
D. Triennially, on the anniversary of original licensure.
Correct Answer: B
Rationale: Florida public adjuster licenses renew biennially (every two years) on the last day of the licensee's birth month, but
only in even-numbered years. Options A and D misstate the cycle; option C incorrectly shifts to odd-numbered years.
Q10 | Recall | Direct Knowledge
Q10: How many hours of continuing education must a licensed Florida public adjuster complete each biennial
compliance period?
A. 12 hours, all elective.
B. 24 hours, including ethics and Florida law components. *[CORRECT]*
C. 30 hours, including 5 hours of ethics only.
D. 15 hours, with no mandatory sub-components.
Correct Answer: B
Rationale: Florida requires 24 hours of CE every two years, with mandated ethics and Florida law components to reinforce the
licensee's professional obligations. Options A, C, and D either misstate the total hours or omit mandatory sub-components.
Aligned with F.S. 626.854 | F.A.C. Ch. 69B | DFS Public Adjuster Professional Standards Page 4
FLORIDA PUBLIC ADJUSTER STATE TEST
100 QUESTIONS | 100% CORRECT ANSWERS | 2026/2027 EDITION
Florida 3-20 Public Adjuster State Licensing Examination Preparation
Aligned with the Florida Department of Financial Services (DFS) Exam Content Outline, Florida Statute 626.854, Florida
Administrative Code Chapter 69B, and Public Adjuster Professional Standards (2026/2027 Edition).
Total Questions: 100 | Sections: 6 | Passing Score (Official Exam): 70% | Cognitive Mix: 25% Recall, 50% Application,
25% Analysis | Style: 70% Scenario-based, 30% Direct Knowledge
Instructions: Each question has four options (A–D). Only ONE option is correct. The correct answer is marked
*[CORRECT]* and is shown in bold. The line 'Correct Answer: X' follows each question, with a rationale
referencing Florida DFS regulations, Florida Statutes, and public adjusting standards. Read each question carefully,
particularly scenario-based questions where multiple facts may implicate different rules.
SECTION 1: LICENSING REQUIREMENTS & ELIGIBILITY
This section evaluates the candidate's mastery of Florida 3-20 Public Adjuster licensing prerequisites, including age
and citizenship requirements, the Florida principal place of business rule, the 24-hour pre-licensing education
requirement (with 3 hours of ethics and 3 hours of Florida law), the $50,000 surety bond payable to the Department of
Financial Services, the 12-month apprenticeship under a licensed public adjuster, biennial renewal by the last day of
the licensee's birth month in even-numbered years, and the 24-hour continuing-education requirement per compliance
period. Candidates should be prepared to apply these requirements to real-world scenarios involving incomplete
applications, defective bonds, lapsed CE, and apprenticeship supervision questions.
Q1 | Recall | Direct Knowledge
Q1: Under Florida law, what is the minimum age requirement for an applicant seeking a 3-20 Public Adjuster
license?
A. 16 years of age
B. 18 years of age *[CORRECT]*
C. 21 years of age
D. 25 years of age
Correct Answer: B
Rationale: Florida Department of Financial Services (DFS) requires every 3-20 Public Adjuster applicant to be at least 18
years old at the time of application. Options A (16) and C (21) reflect common misreadings of unrelated insurance or
contractual age thresholds; option D (25) has no statutory basis in Florida's adjuster licensing framework.
Aligned with F.S. 626.854 | F.A.C. Ch. 69B | DFS Public Adjuster Professional Standards Page 1
,FLORIDA 3-20 PUBLIC ADJUSTER STATE LICENSING EXAMINATION 2026/2027 EDITION | DFS / PEARSON VUE
Q2 | Recall | Direct Knowledge
Q2: Which of the following correctly describes the citizenship or work-authorization requirement for Florida
public adjuster applicants?
A. Applicants must be natural-born U.S. citizens only.
B. Applicants must be U.S. citizens or provide proof of legal work authorization. *[CORRECT]*
C. Applicants must hold a Florida-issued driver license as proof of citizenship.
D. Citizenship is not required as long as the applicant resides in Florida.
Correct Answer: B
Rationale: Florida DFS accepts either U.S. citizenship OR documented legal work authorization (such as a DHS-issued
employment authorization document) for licensure. Natural-born citizenship (A) is overbroad and exclusionary; a driver license
(C) establishes identity, not work authorization; and residency alone (D) does not satisfy federal work-authorization
requirements.
Q3 | Recall | Direct Knowledge
Q3: Where must a Florida-licensed public adjuster maintain a principal place of business?
A. Anywhere within the United States, regardless of state.
B. In any state that offers reciprocal licensing with Florida.
C. Within the State of Florida. *[CORRECT]*
D. Only in the county where the licensee resides.
Correct Answer: C
Rationale: Florida law requires the principal place of business to be physically located within the State of Florida, ensuring
DFS jurisdiction and consumer protection. Out-of-state offices (A, B) defeat regulatory oversight; option D's county-only
restriction (D) is narrower than the statute requires.
Q4 | Recall | Direct Knowledge
Q4: How many hours of approved pre-licensing education must a 3-20 Public Adjuster applicant complete
before sitting for the state examination?
A. 12 hours
B. 20 hours
C. 24 hours, including 3 hours of ethics and 3 hours of Florida law *[CORRECT]*
D. 40 hours, including 10 hours of ethics and 5 hours of Florida law
Correct Answer: C
Rationale: Florida mandates 24 hours of DFS-approved pre-licensing education, with mandatory sub-components of 3 hours in
ethics and 3 hours of Florida insurance law. Options A, B, and D misstate either the total hour count or the required ethics/law
sub-components.
Aligned with F.S. 626.854 | F.A.C. Ch. 69B | DFS Public Adjuster Professional Standards Page 2
,FLORIDA 3-20 PUBLIC ADJUSTER STATE LICENSING EXAMINATION 2026/2027 EDITION | DFS / PEARSON VUE
Q5 | Recall | Direct Knowledge
Q5: What surety bond amount is required of a Florida 3-20 Public Adjuster, and in whose favor must it be
written?
A. $25,000 bond in favor of the licensee's appointing insurer.
B. $50,000 bond in favor of the Florida Department of Financial Services. *[CORRECT]*
C. $100,000 bond in favor of the insured client.
D. $10,000 bond in favor of the Florida Insurance Guaranty Association.
Correct Answer: B
Rationale: Florida law requires a $50,000 surety bond written in favor of the Department of Financial Services, providing a
recovery source for any member of the public harmed by the adjuster's misconduct. Option A's amount is too low and the
beneficiary is wrong; C and D misstate both the amount and the obligee.
Q6 | Application | Scenario
Q6: Maria passes her 3-20 exam on March 1 and immediately opens a public adjusting firm. She has not yet
posted a surety bond. Her first client signs a contract the next week. Which statement is TRUE?
A. Maria may adjust the claim if she files a bond application within 30 days.
B. Maria may not lawfully act as a public adjuster until the $50,000 surety bond is posted and accepted by
DFS. *[CORRECT]*
C. Maria only needs the bond if her contingency fee exceeds 10%.
D. Maria may begin work after she emails DFS a letter of intent to obtain a bond.
Correct Answer: B
Rationale: An active $50,000 surety bond in favor of DFS is a condition precedent to engaging in public adjusting; without it,
the license is not in force and any contract is unenforceable. Options A and D unlawfully substitute intent for actual posting of
the bond; option C invents a non-existent fee trigger for bonding.
Q7 | Recall | Direct Knowledge
Q7: How long is the apprenticeship requirement for a new public adjuster applicant who has no prior adjusting
experience?
A. 3 months under any licensed insurance agent.
B. 6 months under a Florida-licensed 6-20 adjuster.
C. 12 months under a licensed public adjuster. *[CORRECT]*
D. 24 months under a Florida-licensed attorney.
Correct Answer: C
Rationale: Florida requires a 12-month apprenticeship under the direct supervision of a licensed public adjuster (3-20). Shorter
periods (A, B) and supervision by an attorney (D) do not satisfy the public-adjuster-specific mentorship requirement.
Aligned with F.S. 626.854 | F.A.C. Ch. 69B | DFS Public Adjuster Professional Standards Page 3
, FLORIDA 3-20 PUBLIC ADJUSTER STATE LICENSING EXAMINATION 2026/2027 EDITION | DFS / PEARSON VUE
Q8 | Application | Scenario
Q8: A newly licensed public adjuster apprentice wants to handle a large commercial loss on his own while his
supervising public adjuster is on vacation. The supervising adjuster gave verbal approval. What is the correct
analysis?
A. The apprentice may handle the claim because verbal consent is sufficient.
B. The apprentice may not handle the claim independently; apprenticeship requires direct supervision by the
licensed public adjuster. *[CORRECT]*
C. The apprentice may handle the claim if he secures a separate $25,000 bond.
D. The apprentice may handle the claim only if the client waives supervision in writing.
Correct Answer: B
Rationale: Florida apprenticeship rules require direct supervision by the licensed public adjuster of record; verbal consent or
client waivers do not satisfy statutory supervision. The apprentice cannot independently bind the firm or the client. Options A,
C, and D all improperly dilute the supervision standard.
Q9 | Recall | Direct Knowledge
Q9: Public adjuster license renewal in Florida occurs on what schedule?
A. Annually, on January 1.
B. Biennially, by the last day of the licensee's birth month in even-numbered years. *[CORRECT]*
C. Biennially, by the last day of the licensee's birth month in odd-numbered years.
D. Triennially, on the anniversary of original licensure.
Correct Answer: B
Rationale: Florida public adjuster licenses renew biennially (every two years) on the last day of the licensee's birth month, but
only in even-numbered years. Options A and D misstate the cycle; option C incorrectly shifts to odd-numbered years.
Q10 | Recall | Direct Knowledge
Q10: How many hours of continuing education must a licensed Florida public adjuster complete each biennial
compliance period?
A. 12 hours, all elective.
B. 24 hours, including ethics and Florida law components. *[CORRECT]*
C. 30 hours, including 5 hours of ethics only.
D. 15 hours, with no mandatory sub-components.
Correct Answer: B
Rationale: Florida requires 24 hours of CE every two years, with mandated ethics and Florida law components to reinforce the
licensee's professional obligations. Options A, C, and D either misstate the total hours or omit mandatory sub-components.
Aligned with F.S. 626.854 | F.A.C. Ch. 69B | DFS Public Adjuster Professional Standards Page 4
