Florida Public Adjuster Licensing
Exam Questions and Correct
Answers with Detailed Rationales |
2026/2027 Edition | Exam Prep
Study Guide PDF
Question 1
Which statement best describes the role of a Florida public
adjuster?
A. An employee of the insurance company who investigates
covered losses
B. A representative who works exclusively for the insurer
C. A licensed professional who represents an insured or claimant
in preparing and negotiating an insurance claim
D. A government employee who determines whether an insurer
must pay a claim
Answer: C. A licensed professional who represents an insured
or claimant in preparing and negotiating an insurance claim
Rationale: Florida law defines a public adjuster as a person who,
for compensation, prepares, completes, or files an insurance
claim for an insured or third-party claimant, or acts on behalf of
the insured or claimant in negotiating or effecting settlement of a
covered loss. A public adjuster represents the policyholder rather
than the insurance company.
,Question 2
A Florida public adjuster is primarily considered a representative
of which party?
A. The insurer
B. The insured or claimant
C. The Florida Department of Financial Services
D. The insurance agent
Answer: B. The insured or claimant
Rationale: A public adjuster represents the interests of the
insured or claimant in connection with the adjustment of an
insurance claim. This differs from an insurance company adjuster,
who works on behalf of the insurer.
Question 3
Under Florida law, what is the maximum compensation generally
permitted for a public adjuster on a claim that is not based on an
event subject to a gubernatorial state-of-emergency declaration?
A. 5%
B. 10%
C. 15%
D. 20%
Answer: D. 20%
Rationale: Florida law generally prohibits a public adjuster from
charging more than 20 percent of qualifying insurance claim
payments or settlements for claims that are not based on events
that are the subject of a state-of-emergency declaration. The
,statute establishes separate limits for certain emergency claims
and other specific circumstances.
Question 4
For a claim based on an event that is the subject of a Florida
gubernatorial state-of-emergency declaration, what is the public
adjuster's maximum compensation during the applicable one-
year period following the declaration?
A. 5%
B. 10%
C. 15%
D. 20%
Answer: B. 10%
Rationale: Florida law limits public adjuster compensation to 10
percent of qualifying claim payments or settlements for claims
based on events that are the subject of a gubernatorial state-of-
emergency declaration. This limitation applies to claims made
during the year after the declaration; after that period, the ordinary
20-percent limitation applies.
Question 5
Which amount is excluded when determining the amount on
which a Florida public adjuster's compensation may be based?
A. The policy deductible
B. The insured's mortgage balance
C. The insurance premium
D. The policy's liability limit
, Answer: A. The policy deductible
Rationale: Florida law expressly provides that insurance claim
payments do not include policy deductibles and that public
adjuster compensation may not be based on the deductible
portion of a claim. The deductible is the portion of the covered
loss the insured is responsible for under the policy.
Question 6
A public adjuster enters into a contract with an insured after the
insurer has already paid a portion of the claim. May the public
adjuster calculate compensation based on that earlier payment?
A. Yes, without limitation
B. Yes, if the insured agrees verbally
C. No, compensation cannot be based on the prior payment
D. Yes, but only if the payment was made within 30 days
Answer: C. No, compensation cannot be based on the prior
payment
Rationale: Florida law prohibits a public adjuster who enters into a
contract to reopen or supplement a previously paid or settled
claim from charging compensation based on previous claim
payments for the same cause of loss. Compensation must be
based on payments or settlements obtained through the public
adjuster's work after the contract is entered into.
Question 7
Exam Questions and Correct
Answers with Detailed Rationales |
2026/2027 Edition | Exam Prep
Study Guide PDF
Question 1
Which statement best describes the role of a Florida public
adjuster?
A. An employee of the insurance company who investigates
covered losses
B. A representative who works exclusively for the insurer
C. A licensed professional who represents an insured or claimant
in preparing and negotiating an insurance claim
D. A government employee who determines whether an insurer
must pay a claim
Answer: C. A licensed professional who represents an insured
or claimant in preparing and negotiating an insurance claim
Rationale: Florida law defines a public adjuster as a person who,
for compensation, prepares, completes, or files an insurance
claim for an insured or third-party claimant, or acts on behalf of
the insured or claimant in negotiating or effecting settlement of a
covered loss. A public adjuster represents the policyholder rather
than the insurance company.
,Question 2
A Florida public adjuster is primarily considered a representative
of which party?
A. The insurer
B. The insured or claimant
C. The Florida Department of Financial Services
D. The insurance agent
Answer: B. The insured or claimant
Rationale: A public adjuster represents the interests of the
insured or claimant in connection with the adjustment of an
insurance claim. This differs from an insurance company adjuster,
who works on behalf of the insurer.
Question 3
Under Florida law, what is the maximum compensation generally
permitted for a public adjuster on a claim that is not based on an
event subject to a gubernatorial state-of-emergency declaration?
A. 5%
B. 10%
C. 15%
D. 20%
Answer: D. 20%
Rationale: Florida law generally prohibits a public adjuster from
charging more than 20 percent of qualifying insurance claim
payments or settlements for claims that are not based on events
that are the subject of a state-of-emergency declaration. The
,statute establishes separate limits for certain emergency claims
and other specific circumstances.
Question 4
For a claim based on an event that is the subject of a Florida
gubernatorial state-of-emergency declaration, what is the public
adjuster's maximum compensation during the applicable one-
year period following the declaration?
A. 5%
B. 10%
C. 15%
D. 20%
Answer: B. 10%
Rationale: Florida law limits public adjuster compensation to 10
percent of qualifying claim payments or settlements for claims
based on events that are the subject of a gubernatorial state-of-
emergency declaration. This limitation applies to claims made
during the year after the declaration; after that period, the ordinary
20-percent limitation applies.
Question 5
Which amount is excluded when determining the amount on
which a Florida public adjuster's compensation may be based?
A. The policy deductible
B. The insured's mortgage balance
C. The insurance premium
D. The policy's liability limit
, Answer: A. The policy deductible
Rationale: Florida law expressly provides that insurance claim
payments do not include policy deductibles and that public
adjuster compensation may not be based on the deductible
portion of a claim. The deductible is the portion of the covered
loss the insured is responsible for under the policy.
Question 6
A public adjuster enters into a contract with an insured after the
insurer has already paid a portion of the claim. May the public
adjuster calculate compensation based on that earlier payment?
A. Yes, without limitation
B. Yes, if the insured agrees verbally
C. No, compensation cannot be based on the prior payment
D. Yes, but only if the payment was made within 30 days
Answer: C. No, compensation cannot be based on the prior
payment
Rationale: Florida law prohibits a public adjuster who enters into a
contract to reopen or supplement a previously paid or settled
claim from charging compensation based on previous claim
payments for the same cause of loss. Compensation must be
based on payments or settlements obtained through the public
adjuster's work after the contract is entered into.
Question 7
