FLORIDA PUBLIC ADJUSTER LICENSING EXAM TEST
QUESTIONS AND CORRECT ANSWERS (VERIFIED
ANSWERS) PLUS RATIONALES 2025/2026 Q&A |
INSTANT DOWNLOAD PDF
1. What is the primary role of a public adjuster?
To represent the insured and advocate for their best interests in an
insurance claim.
A public adjuster works on behalf of the policyholder to help them get a
fair settlement from the insurance company.
2. Which of the following must a public adjuster have before adjusting claims
in Florida?
A valid Florida public adjuster license.
Operating without a license is illegal and can lead to penalties or denial of
claims.
3. How long is a Florida public adjuster license valid before renewal?
Two years.
Licenses must be renewed biennially with continuing education
requirements.
4. What is required to renew a Florida public adjuster license?
Completion of continuing education and payment of renewal fees.
, Florida requires ongoing education to keep adjusters updated on laws and
practices.
5. Which of these is NOT a duty of a public adjuster?
A. Investigate the claim
B. Represent the insurer
C. Prepare and file proof of loss
D. Negotiate settlements
B. Represent the insurer
Public adjusters represent the insured, not the insurance company.
6. When can a public adjuster begin adjusting a claim?
Only after receiving a signed contract or agreement from the insured.
Adjusting without consent is against regulations and can cause legal
issues.
7. What type of contract must a public adjuster have with an insured?
A written contract specifying terms and fees.
Oral contracts are not sufficient and may violate Florida law.
8. What is the maximum fee percentage a public adjuster can charge on losses
in Florida?
No specific statutory limit, but fees must be reasonable and agreed upon.
Fees are regulated under reasonableness and must be disclosed to the
insured.
9. How soon must a public adjuster notify the insurer upon being hired?
Within 10 days after executing the contract.
This ensures the insurer is aware who is representing the insured.
, 10.Which document officially starts the public adjusting process?
The executed contract between the public adjuster and the insured.
Without a contract, the adjuster cannot legally represent the insured.
11.What must a public adjuster do if a client cancels the contract?
Provide a final accounting of fees earned and return any unearned fees.
Ethical and legal responsibility to settle accounts fairly upon cancellation.
12.What type of insurance coverage can a public adjuster handle claims for?
All types of property insurance including homeowners, commercial, and
auto physical damage.
Public adjusters typically specialize in property-related claims.
13.What action can the Florida Department of Financial Services take against
an unlicensed adjuster?
Impose fines, revoke licenses, or pursue criminal charges.
Florida enforces strict penalties to protect consumers from unlicensed
practice.
14.Which of the following is a prohibited practice for public adjusters?
A. Charging fees before services are rendered
B. Discussing claims with the insurer
C. Preparing estimates
D. Assisting clients in filing claims
A. Charging fees before services are rendered
Advance fees are generally prohibited; fees should be based on services
provided.
QUESTIONS AND CORRECT ANSWERS (VERIFIED
ANSWERS) PLUS RATIONALES 2025/2026 Q&A |
INSTANT DOWNLOAD PDF
1. What is the primary role of a public adjuster?
To represent the insured and advocate for their best interests in an
insurance claim.
A public adjuster works on behalf of the policyholder to help them get a
fair settlement from the insurance company.
2. Which of the following must a public adjuster have before adjusting claims
in Florida?
A valid Florida public adjuster license.
Operating without a license is illegal and can lead to penalties or denial of
claims.
3. How long is a Florida public adjuster license valid before renewal?
Two years.
Licenses must be renewed biennially with continuing education
requirements.
4. What is required to renew a Florida public adjuster license?
Completion of continuing education and payment of renewal fees.
, Florida requires ongoing education to keep adjusters updated on laws and
practices.
5. Which of these is NOT a duty of a public adjuster?
A. Investigate the claim
B. Represent the insurer
C. Prepare and file proof of loss
D. Negotiate settlements
B. Represent the insurer
Public adjusters represent the insured, not the insurance company.
6. When can a public adjuster begin adjusting a claim?
Only after receiving a signed contract or agreement from the insured.
Adjusting without consent is against regulations and can cause legal
issues.
7. What type of contract must a public adjuster have with an insured?
A written contract specifying terms and fees.
Oral contracts are not sufficient and may violate Florida law.
8. What is the maximum fee percentage a public adjuster can charge on losses
in Florida?
No specific statutory limit, but fees must be reasonable and agreed upon.
Fees are regulated under reasonableness and must be disclosed to the
insured.
9. How soon must a public adjuster notify the insurer upon being hired?
Within 10 days after executing the contract.
This ensures the insurer is aware who is representing the insured.
, 10.Which document officially starts the public adjusting process?
The executed contract between the public adjuster and the insured.
Without a contract, the adjuster cannot legally represent the insured.
11.What must a public adjuster do if a client cancels the contract?
Provide a final accounting of fees earned and return any unearned fees.
Ethical and legal responsibility to settle accounts fairly upon cancellation.
12.What type of insurance coverage can a public adjuster handle claims for?
All types of property insurance including homeowners, commercial, and
auto physical damage.
Public adjusters typically specialize in property-related claims.
13.What action can the Florida Department of Financial Services take against
an unlicensed adjuster?
Impose fines, revoke licenses, or pursue criminal charges.
Florida enforces strict penalties to protect consumers from unlicensed
practice.
14.Which of the following is a prohibited practice for public adjusters?
A. Charging fees before services are rendered
B. Discussing claims with the insurer
C. Preparing estimates
D. Assisting clients in filing claims
A. Charging fees before services are rendered
Advance fees are generally prohibited; fees should be based on services
provided.
