FLORIDA CLAIMS ADJUSTER EXAM QUESTIONS
AND 100% CORRECT ANSWERS (A+) 2025
The following are basic characteristics of a property or liability
insurance contract, except:
a. Personal Contract
b. Conditional Contract
c. Loss of Settlement Contract
d. Contract of Adhesion: Loss of Settlement Contract
The Insurer's responsibility to pay for a property loss may be
conditioned on the insured having used reasonable means to avoid
the loss, to protect the property against further loss, and to give the
insurer proof of the loss is defined as?
a. Conditional Contract
b. Adhesion Contract
c. Indemnity Contract
d. All of the Above: Conditional Contract "may be conditioned"
If financial responsibility doesn't exist at the time of an accident,
which of the following things must happen to avoid penalties?
a. The legally valid claims of others must be satisfied (up to 10/20/10)
b. The owner and operator must provide certification of future
responsibility for future accidents
c. Both A & B
d. None of the Above: C. Both A & B
A lender has an insurable interest in a home and finds protection in
the:
a. Loss Payee Clause
b. Mortgagee Clause
c. Lender Clause
, d. Additional Insured Clause: B. Mortgagee Clause Mortgagee -
Homeowner's policy
Loss Payee - Automobile policy
Which of the following forms is "all-risk" on the dwelling policy?
a. DP-1, or the Basic Form
b. DP-2, or the Broad
c. DP-3, or the Special Form
d. None of the Above: C. DP-3, or the Special Form
Which of the following is not covered under Coverage C, Personal
Property?
a. A fire breaks out in the residence and an overnight guest loses his
clothes in the fire
b. A fish dies because he has been left alone for a week without food
c. The insureds daughters tennis racket is stolen from her locker
d. The insureds suitcase and clothing, valued at $1,500, are stolen from
his hotel: B. A fish dies because he has been left alone for a week without
food Animals are listed as an "exclusion" under a Homeowner's policy.
While selling an Automobile policy to a customer, an agent tells them
that they are also required to purchase an Emergency Road Service
Plan, even though that is not true. This is an example of:
a. Misrepresentation
b. Lack of Fitness
c. Deception
d. Sliding: D. Sliding
Liberalization states, "The insured gets the benefit of any broadened
cov- erage if the company, within days of inception, adopts a form
revision that is broader and without increase in premium."
AND 100% CORRECT ANSWERS (A+) 2025
The following are basic characteristics of a property or liability
insurance contract, except:
a. Personal Contract
b. Conditional Contract
c. Loss of Settlement Contract
d. Contract of Adhesion: Loss of Settlement Contract
The Insurer's responsibility to pay for a property loss may be
conditioned on the insured having used reasonable means to avoid
the loss, to protect the property against further loss, and to give the
insurer proof of the loss is defined as?
a. Conditional Contract
b. Adhesion Contract
c. Indemnity Contract
d. All of the Above: Conditional Contract "may be conditioned"
If financial responsibility doesn't exist at the time of an accident,
which of the following things must happen to avoid penalties?
a. The legally valid claims of others must be satisfied (up to 10/20/10)
b. The owner and operator must provide certification of future
responsibility for future accidents
c. Both A & B
d. None of the Above: C. Both A & B
A lender has an insurable interest in a home and finds protection in
the:
a. Loss Payee Clause
b. Mortgagee Clause
c. Lender Clause
, d. Additional Insured Clause: B. Mortgagee Clause Mortgagee -
Homeowner's policy
Loss Payee - Automobile policy
Which of the following forms is "all-risk" on the dwelling policy?
a. DP-1, or the Basic Form
b. DP-2, or the Broad
c. DP-3, or the Special Form
d. None of the Above: C. DP-3, or the Special Form
Which of the following is not covered under Coverage C, Personal
Property?
a. A fire breaks out in the residence and an overnight guest loses his
clothes in the fire
b. A fish dies because he has been left alone for a week without food
c. The insureds daughters tennis racket is stolen from her locker
d. The insureds suitcase and clothing, valued at $1,500, are stolen from
his hotel: B. A fish dies because he has been left alone for a week without
food Animals are listed as an "exclusion" under a Homeowner's policy.
While selling an Automobile policy to a customer, an agent tells them
that they are also required to purchase an Emergency Road Service
Plan, even though that is not true. This is an example of:
a. Misrepresentation
b. Lack of Fitness
c. Deception
d. Sliding: D. Sliding
Liberalization states, "The insured gets the benefit of any broadened
cov- erage if the company, within days of inception, adopts a form
revision that is broader and without increase in premium."
