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Exam (elaborations)

Florida 3-20 Public Adjuster Exam (2025) | Complete Outline with 30 Practice Questions

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This document is a detailed exam outline and multiple-choice practice set designed for candidates preparing for the Florida 3-20 Public Adjuster License. It includes 30 carefully crafted questions and definitions aligned with state statutes and regulatory expectations, focusing on topics such as insurance law, claim handling, homeowners policy forms (HO-2, HO-3, HO-5, HO-6, HO-8), unfair insurance trade practices, statutory contract provisions, liability forms, and valuation methods like Actual Cash Value. Ideal for candidates aiming to pass the 3-20 licensing exam and understand key compliance issues under Florida law.

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5/15/25, 10:01 AM Florida 3-20 Public Adjuster Exam Outlines | Quizlet

Name: Score:


30 Multiple choice questions

Term 1 of 30
A contract by whereby the person executing the instrument gives up a right, claim or privilege to
the person against whom it might have been demanded or enforced is called a:

Standard


Profile

Release

Record

Definition 2 of 30
An Adjuster license can only hold one appointment at a time. If unappointed for 48 months it will
expire

Public Adjuster Expiration


Appraisal

Public Adjuster Continuing Education Requirements

If A Time Consuming Process To Resolution Is More Lucrative, May The Public Adjuster Loan
The Client An Advance On The Claim?

Term 3 of 30
What is the difference between Common Law and Statute Law?

Common Law is based on stare decisis, whereas statutory law is explicit with a statute
number.

Common Law is created by judges, while statutory law is based on public opinion.


Common Law is always more flexible than statutory law.

Common Law applies only to criminal cases, while statutory law applies to civil cases.

https://quizlet.com/test/florida-3-20-public-adjuster-exam-outlines-1039346060?answerTermSides=6&promptTermSides=6&questionCount=30&questi… 1/14

, 5/15/25, 10:01 AM Florida 3-20 Public Adjuster Exam Outlines | Quizlet

Definition 4 of 30
1.Did a covered Peril Occur?
2.When?
3.Were there more than one?
4.Which one was the proximate cause?
5.Was there a mix of covered and uncovered losses?

5 Questions to establish the contract coverage

4 Exceptions to Tort Exemption(Threshold of No-Fault)


Company and Independent Adjuster Responsibilities

7 Common CGL Conditions

Definition 5 of 30
Any maneuver, shift, or device through which the limits on compensation set forth in this
subsection are exceeded is a violation of this chapter punishable as provided under s. 626.8698.

626.854 (10) (f)

626.854 (10) (d)

626.854 (10) (e)


626.854 (10) (g)

Definition 6 of 30
An accident, including continuous or repeated exposure to substantially the same general
harmful conditions.

Hazard


Cutoff

Occurance

Completeness




https://quizlet.com/test/florida-3-20-public-adjuster-exam-outlines-1039346060?answerTermSides=6&promptTermSides=6&questionCount=30&questi… 2/14

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