Florida Claims Adjuster EXAM 2025/2026 ACTUAL COMPLETE
REAL EXAM QUESTIONS WITH ACCURATE ANSWERS
(VERIFIED ANSWERS)| MULTIPLE CHOICES /ALREADY
GRADED A+ |2025 BRAND NEW!!
The Nuclear Energy Liability Exclusion endorsement, in
general, __________ all hazards related to nuclear energy.
A. Includes
B. Excludes
C. Prohibits
D. Summarizes - ANSWER-B. Excludes
Firms involved in Nuclear activities receive protection from
special insurer pools organized for that purpose.
Toxic wastes escaped from a gas station disposal tank. The
insured operator discovers the leak and cleans up the spill.
Unfortunately, the waste quickly seeped into the ground and
has caused illness among the residents of a neighboring
community This is an example of?
A. Loss Known
B. Known Loss
C. Claims-Made
D. None of the Above - ANSWER-B. Known Loss
,Insurer should have been notified and further investigation of
the spill and effective clean-up would have been observed.
Applies only to a BI or PD which occurs on or after the
retroactive date, and for which the claim is received or
recorded by an insured or the company during the policy
period: A. Occurrence
A. Claims-Made
B. Operations Completed
B. None of the Above - ANSWER-B. Claims-Made
Retroactive date is stated in Declarations and will normally be
same date as issuing company's first claims-made effective
date for insured.
All of the following are components of Workers Compensation,
except:
A. Up to $750,000 in Death Benefits
B. Reimbursement for Medical Expenses incurred
C. Reimbursement for lost wages on percentage basis
D. Funeral costs up to $7,500 - ANSWER-A. Up to $750,000 in
Death Benefits Compensation for death is payable if death
results within one year of an accident or if it follows
disability within five years of accident.
,The following are classes of disability, except:
A. Permanent Total
B. Temporary Total
C. Permanent Impairment
D. Temporary Full - ANSWER-D. Temporary Full
Also included: Temporary Partial
The measure to determine disability benefits is the
__________ of the employee at the time of injury: A.
Average Monthly Wage
B. Average Weekly Wage
C. Average Daily Wage
D. Income Estimate - ANSWER-B. Average Weekly Wage
Disability - incapacity due to injury to earn same or any other
employment wages that employee was receiving at time of
injury.
Frank owned a home that was destroyed by a hurricane. Both
ABC and XYZ Banks were listed as additional interests on his
homeowner policy. The insurance company will make a
payment to:
A. The first mortgagee, ABC
B. The Insured
C. Jointly to ABC and XYZ
D. All listed interests - ANSWER-D. All listed interests
, Remember that the insurer is not responsible to know the
degrees of interest. In the event of a loss, one payment is made
by the insurer and it is up to the additional interests on working
out their share.
Insurance applies separately to each insured as if other
insureds did not exist.
This is defined
as:
A.
Severability
B.
Conditional
C.
Warranty
D. None of the above - ANSWER-A.
Severability
A __________ is a selected group of hospitals and medical
practitioners in a given area who have joined together in an
effort to reduce medical costs.
A. HMO
B. Major Medical Insurance
C. Coinsurance
D. PPO - ANSWER-D. PPO
REAL EXAM QUESTIONS WITH ACCURATE ANSWERS
(VERIFIED ANSWERS)| MULTIPLE CHOICES /ALREADY
GRADED A+ |2025 BRAND NEW!!
The Nuclear Energy Liability Exclusion endorsement, in
general, __________ all hazards related to nuclear energy.
A. Includes
B. Excludes
C. Prohibits
D. Summarizes - ANSWER-B. Excludes
Firms involved in Nuclear activities receive protection from
special insurer pools organized for that purpose.
Toxic wastes escaped from a gas station disposal tank. The
insured operator discovers the leak and cleans up the spill.
Unfortunately, the waste quickly seeped into the ground and
has caused illness among the residents of a neighboring
community This is an example of?
A. Loss Known
B. Known Loss
C. Claims-Made
D. None of the Above - ANSWER-B. Known Loss
,Insurer should have been notified and further investigation of
the spill and effective clean-up would have been observed.
Applies only to a BI or PD which occurs on or after the
retroactive date, and for which the claim is received or
recorded by an insured or the company during the policy
period: A. Occurrence
A. Claims-Made
B. Operations Completed
B. None of the Above - ANSWER-B. Claims-Made
Retroactive date is stated in Declarations and will normally be
same date as issuing company's first claims-made effective
date for insured.
All of the following are components of Workers Compensation,
except:
A. Up to $750,000 in Death Benefits
B. Reimbursement for Medical Expenses incurred
C. Reimbursement for lost wages on percentage basis
D. Funeral costs up to $7,500 - ANSWER-A. Up to $750,000 in
Death Benefits Compensation for death is payable if death
results within one year of an accident or if it follows
disability within five years of accident.
,The following are classes of disability, except:
A. Permanent Total
B. Temporary Total
C. Permanent Impairment
D. Temporary Full - ANSWER-D. Temporary Full
Also included: Temporary Partial
The measure to determine disability benefits is the
__________ of the employee at the time of injury: A.
Average Monthly Wage
B. Average Weekly Wage
C. Average Daily Wage
D. Income Estimate - ANSWER-B. Average Weekly Wage
Disability - incapacity due to injury to earn same or any other
employment wages that employee was receiving at time of
injury.
Frank owned a home that was destroyed by a hurricane. Both
ABC and XYZ Banks were listed as additional interests on his
homeowner policy. The insurance company will make a
payment to:
A. The first mortgagee, ABC
B. The Insured
C. Jointly to ABC and XYZ
D. All listed interests - ANSWER-D. All listed interests
, Remember that the insurer is not responsible to know the
degrees of interest. In the event of a loss, one payment is made
by the insurer and it is up to the additional interests on working
out their share.
Insurance applies separately to each insured as if other
insureds did not exist.
This is defined
as:
A.
Severability
B.
Conditional
C.
Warranty
D. None of the above - ANSWER-A.
Severability
A __________ is a selected group of hospitals and medical
practitioners in a given area who have joined together in an
effort to reduce medical costs.
A. HMO
B. Major Medical Insurance
C. Coinsurance
D. PPO - ANSWER-D. PPO
