FLORIDA ALL LINES ADJUSTER PRACTICE QUESTIONS
AND CORRECT ANSWERS (VERIFIED ANSWERS) PLUS
RATIONALES 2025
1. What is the primary purpose of the Florida Insurance Code?
A. To set tax rates for insurance companies
B. To protect the public and ensure fair insurance practices
C. To increase revenue for the Department of Insurance
D. To license insurance companies only
The Florida Insurance Code exists to protect consumers and maintain the
integrity of the insurance industry through fair practices and regulation.
2. Which of the following is NOT considered an "adjuster" under Florida law?
A. Company adjuster
B. Public adjuster
C. Underwriting agent
D. Independent adjuster
An underwriting agent is involved in evaluating risks and issuing policies, not
handling claims, which is the adjuster's role.
3. What is the minimum bond amount required for a public adjuster in
Florida?
,A. $25,000
B. $50,000
C. $75,000
D. $10,000
Florida law mandates that public adjusters post a $50,000 surety bond as a
condition of licensure to ensure financial responsibility.
4. How long must adjusters maintain claim files and supporting
documentation?
A. 1 year
B. 2 years
C. 3 years
D. 5 years
Florida statutes require adjusters to retain records for five years after the claim
is closed to comply with audits and legal inquiries.
5. When must a notice of claim be acknowledged under the Florida Claims
Administration Statute?
A. Within 30 days
B. Within 10 business days
C. Within 14 calendar days
D. Immediately
Florida law requires insurers or adjusters to acknowledge a claim within 14
calendar days of receipt.
6. What is the statute of limitations for filing a property insurance claim in
Florida?
,A. 2 years
B. 3 years
C. 4 years
D. 5 years
Florida allows insureds three years from the date of loss to file property
insurance claims.
7. A sinkhole claim must be reported within how many years of discovering
the loss?
A. 1 year
B. 2 years
C. 3 years
D. 5 years
Sinkhole claims must be reported within two years from the date of loss, per
Florida statute.
8. What type of policy protects the insured from financial loss if they are
legally liable to others?
A. Property insurance
B. Health insurance
C. Liability insurance
D. Disability insurance
Liability insurance covers legal responsibility for injury or damage to others.
9. What is an adjuster’s primary duty during claim settlement?
A. Represent the insurance company’s profits
B. Investigate and settle claims fairly
, C. Avoid litigation at all costs
D. Deny as many claims as possible
Adjusters must fairly investigate and settle claims in accordance with policy
provisions and Florida law.
10.Who regulates insurance adjusters in Florida?
A. Florida Department of Business and Professional Regulation
B. Florida Bar Association
C. Florida Department of Financial Services (DFS)
D. U.S. Department of Labor
The Florida DFS oversees licensure and conduct of insurance adjusters in the
state.
11.A Florida All Lines Adjuster license allows you to adjust which of the
following?
A. Workers’ compensation only
B. All types of property and casualty claims, including workers' comp
C. Only auto and property
D. Life and health
An All Lines license permits adjusting any property and casualty claim in Florida.
12.Which of the following is considered a "first-party claim"?
A. A liability claim filed by a third party
B. A homeowner filing a claim for windstorm damage
C. An injured party suing the policyholder
D. A car accident caused by the insured
AND CORRECT ANSWERS (VERIFIED ANSWERS) PLUS
RATIONALES 2025
1. What is the primary purpose of the Florida Insurance Code?
A. To set tax rates for insurance companies
B. To protect the public and ensure fair insurance practices
C. To increase revenue for the Department of Insurance
D. To license insurance companies only
The Florida Insurance Code exists to protect consumers and maintain the
integrity of the insurance industry through fair practices and regulation.
2. Which of the following is NOT considered an "adjuster" under Florida law?
A. Company adjuster
B. Public adjuster
C. Underwriting agent
D. Independent adjuster
An underwriting agent is involved in evaluating risks and issuing policies, not
handling claims, which is the adjuster's role.
3. What is the minimum bond amount required for a public adjuster in
Florida?
,A. $25,000
B. $50,000
C. $75,000
D. $10,000
Florida law mandates that public adjusters post a $50,000 surety bond as a
condition of licensure to ensure financial responsibility.
4. How long must adjusters maintain claim files and supporting
documentation?
A. 1 year
B. 2 years
C. 3 years
D. 5 years
Florida statutes require adjusters to retain records for five years after the claim
is closed to comply with audits and legal inquiries.
5. When must a notice of claim be acknowledged under the Florida Claims
Administration Statute?
A. Within 30 days
B. Within 10 business days
C. Within 14 calendar days
D. Immediately
Florida law requires insurers or adjusters to acknowledge a claim within 14
calendar days of receipt.
6. What is the statute of limitations for filing a property insurance claim in
Florida?
,A. 2 years
B. 3 years
C. 4 years
D. 5 years
Florida allows insureds three years from the date of loss to file property
insurance claims.
7. A sinkhole claim must be reported within how many years of discovering
the loss?
A. 1 year
B. 2 years
C. 3 years
D. 5 years
Sinkhole claims must be reported within two years from the date of loss, per
Florida statute.
8. What type of policy protects the insured from financial loss if they are
legally liable to others?
A. Property insurance
B. Health insurance
C. Liability insurance
D. Disability insurance
Liability insurance covers legal responsibility for injury or damage to others.
9. What is an adjuster’s primary duty during claim settlement?
A. Represent the insurance company’s profits
B. Investigate and settle claims fairly
, C. Avoid litigation at all costs
D. Deny as many claims as possible
Adjusters must fairly investigate and settle claims in accordance with policy
provisions and Florida law.
10.Who regulates insurance adjusters in Florida?
A. Florida Department of Business and Professional Regulation
B. Florida Bar Association
C. Florida Department of Financial Services (DFS)
D. U.S. Department of Labor
The Florida DFS oversees licensure and conduct of insurance adjusters in the
state.
11.A Florida All Lines Adjuster license allows you to adjust which of the
following?
A. Workers’ compensation only
B. All types of property and casualty claims, including workers' comp
C. Only auto and property
D. Life and health
An All Lines license permits adjusting any property and casualty claim in Florida.
12.Which of the following is considered a "first-party claim"?
A. A liability claim filed by a third party
B. A homeowner filing a claim for windstorm damage
C. An injured party suing the policyholder
D. A car accident caused by the insured
