Florida Public Adjuster State Test|| 100
QUESTIONS|| CORRECT ANSWERS||
VERIFIED
Florida No-Fault Tort Exemption - ANSWER Those who comply with the law are granted limited immunity
from suits of others through PIP coverage.
4 Exceptions to Tort Exemption(Threshold of No-Fault) - ANSWER 1. Significant and Permanent loss of
bodily function.
2.Permanent injury other than scarring and disfigurement.
3.Significant and Permanent scarring or disfigurement.
4.Death
What does NFIP stand for? - ANSWER National Flood Insurance Program
Form SR-22 - ANSWER Drivers Convicted of DUI or a traffic felony over the prior 3 years are required to
have 100/300/50 coverage or a certificate of self insurance of $350,000.
Contents of a CGL Contract - ANSWER 1.Declarations Form
2.Common Policy Conditions Form
3. One of:
A.Occurrence Form
B.Claims Made Form
4.Nuclear Energy Liability Exclusion Endorsement.
Declarations of a CGL Contract(4) - ANSWER 1.Named Insured(including address)
2.Policy Period
3.Premium
, 4.Limits of Coverage
A Homeowners Policy consists of(3 components): - ANSWER 1.Declarations
2.One of 6 Homeowners forms
3.Mandatory and optional endorsements
If a unit is co-owned, May one co-owner be insured as the renter(HO-4)? - ANSWER Yes
What are the two main divisions of a Home Owners Form? - ANSWER Section I-Property
&
Section II-Liability
4 Subsections of Section I of a Property Coverage Policy - ANSWER 1. Coverages
2.Perils Insured Against
3.Exclusions
4.Conditions
Who determines how much HO-6 coverages a Condominium Owner needs? - ANSWER The Association
Homeowners Coverage A - ANSWER "Dwelling" covers the dwelling building and structures attached;
also construction materials and supplies on or adjacent to the premises.
Homeowners Coverage B - ANSWER "Other Structures" covers private structures on the residence
premises that are not attached to the main dwelling.
4 Examples of "Other Structures" Per Coverage B of a Homeowner's policy(book gives 5) - ANSWER
1.Detached Garage.
2.Guest House.
3.Fence
QUESTIONS|| CORRECT ANSWERS||
VERIFIED
Florida No-Fault Tort Exemption - ANSWER Those who comply with the law are granted limited immunity
from suits of others through PIP coverage.
4 Exceptions to Tort Exemption(Threshold of No-Fault) - ANSWER 1. Significant and Permanent loss of
bodily function.
2.Permanent injury other than scarring and disfigurement.
3.Significant and Permanent scarring or disfigurement.
4.Death
What does NFIP stand for? - ANSWER National Flood Insurance Program
Form SR-22 - ANSWER Drivers Convicted of DUI or a traffic felony over the prior 3 years are required to
have 100/300/50 coverage or a certificate of self insurance of $350,000.
Contents of a CGL Contract - ANSWER 1.Declarations Form
2.Common Policy Conditions Form
3. One of:
A.Occurrence Form
B.Claims Made Form
4.Nuclear Energy Liability Exclusion Endorsement.
Declarations of a CGL Contract(4) - ANSWER 1.Named Insured(including address)
2.Policy Period
3.Premium
, 4.Limits of Coverage
A Homeowners Policy consists of(3 components): - ANSWER 1.Declarations
2.One of 6 Homeowners forms
3.Mandatory and optional endorsements
If a unit is co-owned, May one co-owner be insured as the renter(HO-4)? - ANSWER Yes
What are the two main divisions of a Home Owners Form? - ANSWER Section I-Property
&
Section II-Liability
4 Subsections of Section I of a Property Coverage Policy - ANSWER 1. Coverages
2.Perils Insured Against
3.Exclusions
4.Conditions
Who determines how much HO-6 coverages a Condominium Owner needs? - ANSWER The Association
Homeowners Coverage A - ANSWER "Dwelling" covers the dwelling building and structures attached;
also construction materials and supplies on or adjacent to the premises.
Homeowners Coverage B - ANSWER "Other Structures" covers private structures on the residence
premises that are not attached to the main dwelling.
4 Examples of "Other Structures" Per Coverage B of a Homeowner's policy(book gives 5) - ANSWER
1.Detached Garage.
2.Guest House.
3.Fence
