Florida 6-20 All-Lines Adjuster 2026/2027 | Florida
All-Lines Adjuster License Exam Study Guide &
Practice Questions | 6-20 Adjuster Exam Prep,
Property & Casualty Claims, Florida Insurance
Laws, Claims Handling & Detailed Rationales
Question 1: Which of the following best defines the term "adjuster"
under Florida law?
A. A person who sells insurance policies on behalf of an insurer.
B. A public adjuster as defined in s. 626.854 or an all-lines adjuster as
defined in s. 626.8548.
C. A customer representative who handles policyholder inquiries.
D. A managing general agent who underwrites policies.
CORRECT ANSWER: B. A public adjuster as defined in s. 626.854 or
an all-lines adjuster as defined in s. 626.8548.
Rationale: Florida Statutes s. 626.015(2) explicitly defines "adjuster" as a
public adjuster under s. 626.854 or an all-lines adjuster under s. 626.8548.
This definition distinguishes adjusters from agents, customer
representatives, and managing general agents.
Question 2: Under Florida Administrative Code Rule 69B-220.201, a
breach of any ethical requirement constitutes what?
A. A criminal misdemeanor.
B. An unfair claims settlement practice.
C. A felony offense.
D. A minor infraction with no penalty.
CORRECT ANSWER: B. An unfair claims settlement practice.
Rationale: Rule 69B-220.201(2)(b) states that a breach of any provision of
the ethical requirements rule constitutes an unfair claims settlement
practice. This designation carries significant regulatory consequences for
the licensee.
Question 3: An adjuster discovers that a claimant is represented by
an attorney. According to Florida ethics rules, the adjuster should:
A. Negotiate directly with the claimant to expedite settlement.
B. Contact the attorney to negotiate settlement.
C. Ignore the representation if the claim is under $10,000.
D. Ask the claimant to dismiss the attorney.
,CORRECT ANSWER: B. Contact the attorney to negotiate
settlement.
Rationale: Rule 69B-220.201(3)(g) prohibits an adjuster from negotiating or
effecting settlement directly or indirectly with any third-party claimant
represented by an attorney if the adjuster has knowledge of such
representation, except with the consent of the attorney.
Question 4: Which of the following is NOT a ground for compulsory
refusal, suspension, or revocation of an adjuster's license under
Florida law?
A. Fraudulent or dishonest practices.
B. Misappropriation of funds.
C. Failing to meet continuing education requirements.
D. Demonstrating competence in claims handling.
CORRECT ANSWER: D. Demonstrating competence in claims
handling.
Rationale: Demonstrating competence is a positive attribute, not a ground
for disciplinary action. Florida Statutes s. 626.611 lists specific violations
including fraudulent practices, misappropriation, and failure to comply with
continuing education requirements as grounds for compulsory action.
Question 5: An all-lines adjuster in Florida is licensed to adjust
which types of claims?
A. Only property claims.
B. Only casualty claims.
C. Property, casualty, and other lines of insurance claims.
D. Only workers' compensation claims.
CORRECT ANSWER: C. Property, casualty, and other lines of
insurance claims.
Rationale: The all-lines adjuster license (6-20) authorizes the licensee to
adjust claims across multiple lines of insurance, including property, casualty,
and other lines, unlike limited licenses that restrict the adjuster to specific
claim types.
Question 6: When an adjuster lacks competence or knowledge
regarding the terms of a particular insurance coverage, the adjuster
should:
,A. Proceed with the adjustment and learn as they go.
B. Decline the assignment unless they can become competent and
knowledgeable.
C. Rely entirely on the insurer's interpretation.
D. Delegate all decisions to the claimant.
CORRECT ANSWER: B. Decline the assignment unless they can
become competent and knowledgeable.
Rationale: Rule 69B-220.201(3)(k) prohibits an adjuster from undertaking
the adjustment of any claim concerning which the adjuster is not currently
competent and knowledgeable as to the terms and conditions of the
insurance coverage or which otherwise exceeds the adjuster's current
expertise.
Question 7: The Florida Insurance Guaranty Association (FIGA)
was established to:
A. Provide insurance coverage to high-risk drivers.
B. Pay covered claims of insolvent property and casualty insurers.
C. Regulate insurance rates in Florida.
D. License insurance adjusters.
CORRECT ANSWER: B. Pay covered claims of insolvent property
and casualty insurers.
Rationale: Chapter 631, Part II of the Florida Statutes establishes FIGA to
provide a mechanism for the payment of covered claims under certain
insurance policies when an insurer becomes insolvent, protecting
policyholders from financial loss.
Question 8: Which of the following best describes the duty of an
adjuster regarding confidential information obtained during a claim
investigation?
A. The adjuster may share the information freely with anyone.
B. The adjuster must maintain confidentiality except where disclosure is
authorized or legally required.
C. The adjuster may sell the information to third parties.
D. The adjuster must publish the information for public review.
CORRECT ANSWER: B. The adjuster must maintain confidentiality
except where disclosure is authorized or legally required.
, Rationale: Florida adjusters have a professional duty to protect confidential
information obtained during claim investigations and may only disclose it
when legally authorized or necessary to perform their professional
responsibilities.
Question 9: An insured intentionally exaggerates the value of
damaged property during a claim. The adjuster's FIRST course of
action should be to:
A. Immediately deny the entire claim.
B. Document the discrepancies and continue investigating before making a
coverage determination.
C. Ignore the discrepancies if the loss exceeds the deductible.
D. Offer a compromise payment without further investigation.
CORRECT ANSWER: B. Document the discrepancies and continue
investigating before making a coverage determination.
Rationale: Suspicious circumstances such as potential fraud indicators
require thorough documentation and investigation before determining
whether fraud or policy defenses apply. Premature denial without complete
investigation could expose the insurer to liability.
Question 10: In Florida, ambiguous language in an insurance policy
is generally construed:
A. In favor of the insurer.
B. Against the insured.
C. Against the drafter (the insurer) when ambiguity remains after applying
ordinary rules of interpretation.
D. According to the adjuster's discretion.
CORRECT ANSWER: C. Against the drafter (the insurer) when
ambiguity remains after applying ordinary rules of interpretation.
Rationale: Florida courts consistently apply the principle of contra
proferentem, interpreting ambiguous insurance policy language against the
insurer that drafted the contract. This protects the reasonable expectations
of the insured.
Question 11: When an insured fails to mitigate additional damage
after a covered loss, the adjuster should recognize that:
All-Lines Adjuster License Exam Study Guide &
Practice Questions | 6-20 Adjuster Exam Prep,
Property & Casualty Claims, Florida Insurance
Laws, Claims Handling & Detailed Rationales
Question 1: Which of the following best defines the term "adjuster"
under Florida law?
A. A person who sells insurance policies on behalf of an insurer.
B. A public adjuster as defined in s. 626.854 or an all-lines adjuster as
defined in s. 626.8548.
C. A customer representative who handles policyholder inquiries.
D. A managing general agent who underwrites policies.
CORRECT ANSWER: B. A public adjuster as defined in s. 626.854 or
an all-lines adjuster as defined in s. 626.8548.
Rationale: Florida Statutes s. 626.015(2) explicitly defines "adjuster" as a
public adjuster under s. 626.854 or an all-lines adjuster under s. 626.8548.
This definition distinguishes adjusters from agents, customer
representatives, and managing general agents.
Question 2: Under Florida Administrative Code Rule 69B-220.201, a
breach of any ethical requirement constitutes what?
A. A criminal misdemeanor.
B. An unfair claims settlement practice.
C. A felony offense.
D. A minor infraction with no penalty.
CORRECT ANSWER: B. An unfair claims settlement practice.
Rationale: Rule 69B-220.201(2)(b) states that a breach of any provision of
the ethical requirements rule constitutes an unfair claims settlement
practice. This designation carries significant regulatory consequences for
the licensee.
Question 3: An adjuster discovers that a claimant is represented by
an attorney. According to Florida ethics rules, the adjuster should:
A. Negotiate directly with the claimant to expedite settlement.
B. Contact the attorney to negotiate settlement.
C. Ignore the representation if the claim is under $10,000.
D. Ask the claimant to dismiss the attorney.
,CORRECT ANSWER: B. Contact the attorney to negotiate
settlement.
Rationale: Rule 69B-220.201(3)(g) prohibits an adjuster from negotiating or
effecting settlement directly or indirectly with any third-party claimant
represented by an attorney if the adjuster has knowledge of such
representation, except with the consent of the attorney.
Question 4: Which of the following is NOT a ground for compulsory
refusal, suspension, or revocation of an adjuster's license under
Florida law?
A. Fraudulent or dishonest practices.
B. Misappropriation of funds.
C. Failing to meet continuing education requirements.
D. Demonstrating competence in claims handling.
CORRECT ANSWER: D. Demonstrating competence in claims
handling.
Rationale: Demonstrating competence is a positive attribute, not a ground
for disciplinary action. Florida Statutes s. 626.611 lists specific violations
including fraudulent practices, misappropriation, and failure to comply with
continuing education requirements as grounds for compulsory action.
Question 5: An all-lines adjuster in Florida is licensed to adjust
which types of claims?
A. Only property claims.
B. Only casualty claims.
C. Property, casualty, and other lines of insurance claims.
D. Only workers' compensation claims.
CORRECT ANSWER: C. Property, casualty, and other lines of
insurance claims.
Rationale: The all-lines adjuster license (6-20) authorizes the licensee to
adjust claims across multiple lines of insurance, including property, casualty,
and other lines, unlike limited licenses that restrict the adjuster to specific
claim types.
Question 6: When an adjuster lacks competence or knowledge
regarding the terms of a particular insurance coverage, the adjuster
should:
,A. Proceed with the adjustment and learn as they go.
B. Decline the assignment unless they can become competent and
knowledgeable.
C. Rely entirely on the insurer's interpretation.
D. Delegate all decisions to the claimant.
CORRECT ANSWER: B. Decline the assignment unless they can
become competent and knowledgeable.
Rationale: Rule 69B-220.201(3)(k) prohibits an adjuster from undertaking
the adjustment of any claim concerning which the adjuster is not currently
competent and knowledgeable as to the terms and conditions of the
insurance coverage or which otherwise exceeds the adjuster's current
expertise.
Question 7: The Florida Insurance Guaranty Association (FIGA)
was established to:
A. Provide insurance coverage to high-risk drivers.
B. Pay covered claims of insolvent property and casualty insurers.
C. Regulate insurance rates in Florida.
D. License insurance adjusters.
CORRECT ANSWER: B. Pay covered claims of insolvent property
and casualty insurers.
Rationale: Chapter 631, Part II of the Florida Statutes establishes FIGA to
provide a mechanism for the payment of covered claims under certain
insurance policies when an insurer becomes insolvent, protecting
policyholders from financial loss.
Question 8: Which of the following best describes the duty of an
adjuster regarding confidential information obtained during a claim
investigation?
A. The adjuster may share the information freely with anyone.
B. The adjuster must maintain confidentiality except where disclosure is
authorized or legally required.
C. The adjuster may sell the information to third parties.
D. The adjuster must publish the information for public review.
CORRECT ANSWER: B. The adjuster must maintain confidentiality
except where disclosure is authorized or legally required.
, Rationale: Florida adjusters have a professional duty to protect confidential
information obtained during claim investigations and may only disclose it
when legally authorized or necessary to perform their professional
responsibilities.
Question 9: An insured intentionally exaggerates the value of
damaged property during a claim. The adjuster's FIRST course of
action should be to:
A. Immediately deny the entire claim.
B. Document the discrepancies and continue investigating before making a
coverage determination.
C. Ignore the discrepancies if the loss exceeds the deductible.
D. Offer a compromise payment without further investigation.
CORRECT ANSWER: B. Document the discrepancies and continue
investigating before making a coverage determination.
Rationale: Suspicious circumstances such as potential fraud indicators
require thorough documentation and investigation before determining
whether fraud or policy defenses apply. Premature denial without complete
investigation could expose the insurer to liability.
Question 10: In Florida, ambiguous language in an insurance policy
is generally construed:
A. In favor of the insurer.
B. Against the insured.
C. Against the drafter (the insurer) when ambiguity remains after applying
ordinary rules of interpretation.
D. According to the adjuster's discretion.
CORRECT ANSWER: C. Against the drafter (the insurer) when
ambiguity remains after applying ordinary rules of interpretation.
Rationale: Florida courts consistently apply the principle of contra
proferentem, interpreting ambiguous insurance policy language against the
insurer that drafted the contract. This protects the reasonable expectations
of the insured.
Question 11: When an insured fails to mitigate additional damage
after a covered loss, the adjuster should recognize that:
