FLORIDA PUBLIC ADJUSTER STATE EXAM 2026 LATEST
UPDATE QUESTONS AND CORRECT VERIFIED ANSWERS
ALREADY GRADED A+
Statute 627.409 - ANS-Statute covering misrepresentation by the insured. Only a defense for
the insurer if they didn't know and it would have affected the coverage offer.
How long does a residential property policy have to be in effect to hold the insured immune to
627.409(fraud by insured) - ANS-90 Days
What does "OIR" stand for? - ANS-Office of Insurance Regulation
What is the OIR's role? - ANS-To examine the qualification of insurance companies seeking to
do business in this state.
3 Types of Adjusters - ANS-1.Staff Adjusters
2.Fee Adjusters
A.Independent Adjusters
B.Bureau Adjusters
3.Public Adjusters
Company or Staff Adjusters - ANS-Salaried Employees under the supervision of the insurer.
Fee Adjusters - ANS-Offer their services on a Fee for Service Basis including Bureau Adjusters
and Independent Adjusters
, Bureau Adjusters - ANS-Serve National Insurance Firms
What is the difference between a Bureau Adjuster and an Independent Adjuster - ANS-A Bureau
Adjuster is an employee of the insurer and an Independent Adjuster is an Independent
Contractor
A Public Adjuster - ANS-Aside from attorneys, Public Adjusters are the only Adjusters who
legally represent the rights of the insured.
6 Responsibilities of the Public Adjuster - ANS-1.Evaluate
2.Substantiate
3.Determine values
4.Negotiate
5.Recommend(upgraded insurance)
6.Re-Open Claims
626.8796 - ANS-Public Adjuster Fraud Statement
How long must a Public Adjuster wait after an event that leads to a claim to contact the
claimant? - ANS-48 hours. (626.854(13))
What format must the advertisement disclaimer be in? - ANS-Bold caps, but no specific type
size. :-)(626.854(7))(b))
What must Public Adjuster Contracts Contain regarding fraud by insured - ANS-Felony Warnings
(626.8796) is the requirement for the Public Adjuster. 817.234 is the felony, 775.082, 775.083
& 775.084 are the punishments.
UPDATE QUESTONS AND CORRECT VERIFIED ANSWERS
ALREADY GRADED A+
Statute 627.409 - ANS-Statute covering misrepresentation by the insured. Only a defense for
the insurer if they didn't know and it would have affected the coverage offer.
How long does a residential property policy have to be in effect to hold the insured immune to
627.409(fraud by insured) - ANS-90 Days
What does "OIR" stand for? - ANS-Office of Insurance Regulation
What is the OIR's role? - ANS-To examine the qualification of insurance companies seeking to
do business in this state.
3 Types of Adjusters - ANS-1.Staff Adjusters
2.Fee Adjusters
A.Independent Adjusters
B.Bureau Adjusters
3.Public Adjusters
Company or Staff Adjusters - ANS-Salaried Employees under the supervision of the insurer.
Fee Adjusters - ANS-Offer their services on a Fee for Service Basis including Bureau Adjusters
and Independent Adjusters
, Bureau Adjusters - ANS-Serve National Insurance Firms
What is the difference between a Bureau Adjuster and an Independent Adjuster - ANS-A Bureau
Adjuster is an employee of the insurer and an Independent Adjuster is an Independent
Contractor
A Public Adjuster - ANS-Aside from attorneys, Public Adjusters are the only Adjusters who
legally represent the rights of the insured.
6 Responsibilities of the Public Adjuster - ANS-1.Evaluate
2.Substantiate
3.Determine values
4.Negotiate
5.Recommend(upgraded insurance)
6.Re-Open Claims
626.8796 - ANS-Public Adjuster Fraud Statement
How long must a Public Adjuster wait after an event that leads to a claim to contact the
claimant? - ANS-48 hours. (626.854(13))
What format must the advertisement disclaimer be in? - ANS-Bold caps, but no specific type
size. :-)(626.854(7))(b))
What must Public Adjuster Contracts Contain regarding fraud by insured - ANS-Felony Warnings
(626.8796) is the requirement for the Public Adjuster. 817.234 is the felony, 775.082, 775.083
& 775.084 are the punishments.
