Florida Claims Adjuster Final (Multiple
Choice Questions) 2025/2026 Exam All
Answers and Illustrations Given
An adjuster is a fiduciary agent with a responsibility of loyalty to the interest
of - 🧠 ANSWER ✔✔The insured and insurer
An insurer gives which of the following as Consideration for an insurance
policy? - 🧠 ANSWER ✔✔A Promise
The interest of the insured and all other persons in the property involved in
a claim is
found in - 🧠 ANSWER ✔✔A Proof of Loss
An insured rear-ends another driver's vehicle. The auto policy that pays
damages to
,repair the damaged vehicle is a _______? - 🧠 ANSWER ✔✔Liability Policy
Your insurance company wrote an auto insurance binder for an owner who
said that he
did not have any prior accidents. Immediately thereafter it was discovered
that he did not
tell the truth. The company now wants to cancel the binder as quickly as
possible. What
is true? - 🧠 ANSWER ✔✔5 days notice required
For insurance to pay damages, an insurable interest must exist: - 🧠
ANSWER ✔✔When the loss takes place
Texting while driving is best described as a: - 🧠 ANSWER ✔✔Hazard
A covered loss is $90,000. Policy A has a limit of $100,000. Policy B has a
limit of
$200,000. Both policies are pro-rata policies. How much will policy B pay
for this loss? - 🧠 ANSWER ✔✔$60,000
I sold my home yesterday, signed a deed and transferred title. Last night
there was a
, house fire. I had not yet cancelled my homeowner's insurance. The
purchaser also had a
homeowner's policy. Which policy should pay to pay the claim? - 🧠
ANSWER ✔✔Purchaser's policy
Giving prompt notice of loss is best described as a policy: - 🧠 ANSWER
✔✔Condition
If there is a total loss by an insured peril to a FL building, the insurer must
pay: - 🧠 ANSWER ✔✔Actual Cash Value
A Loss Payable Clause refers to - 🧠 ANSWER ✔✔Lenders interest in
personal property
My coin collection was appraised and my insurance company specifically
insured the
valued of that collection. That is an example of: - 🧠 ANSWER ✔✔A Valued
Policy
An insurance contract is based on the Principle of: - 🧠 ANSWER ✔✔Utmost
Good Faith
The two kinds of waivers are: - 🧠 ANSWER ✔✔express and implied
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
PRIVACY STATEMENT. ALL RIGHTS RESERVED
Choice Questions) 2025/2026 Exam All
Answers and Illustrations Given
An adjuster is a fiduciary agent with a responsibility of loyalty to the interest
of - 🧠 ANSWER ✔✔The insured and insurer
An insurer gives which of the following as Consideration for an insurance
policy? - 🧠 ANSWER ✔✔A Promise
The interest of the insured and all other persons in the property involved in
a claim is
found in - 🧠 ANSWER ✔✔A Proof of Loss
An insured rear-ends another driver's vehicle. The auto policy that pays
damages to
,repair the damaged vehicle is a _______? - 🧠 ANSWER ✔✔Liability Policy
Your insurance company wrote an auto insurance binder for an owner who
said that he
did not have any prior accidents. Immediately thereafter it was discovered
that he did not
tell the truth. The company now wants to cancel the binder as quickly as
possible. What
is true? - 🧠 ANSWER ✔✔5 days notice required
For insurance to pay damages, an insurable interest must exist: - 🧠
ANSWER ✔✔When the loss takes place
Texting while driving is best described as a: - 🧠 ANSWER ✔✔Hazard
A covered loss is $90,000. Policy A has a limit of $100,000. Policy B has a
limit of
$200,000. Both policies are pro-rata policies. How much will policy B pay
for this loss? - 🧠 ANSWER ✔✔$60,000
I sold my home yesterday, signed a deed and transferred title. Last night
there was a
, house fire. I had not yet cancelled my homeowner's insurance. The
purchaser also had a
homeowner's policy. Which policy should pay to pay the claim? - 🧠
ANSWER ✔✔Purchaser's policy
Giving prompt notice of loss is best described as a policy: - 🧠 ANSWER
✔✔Condition
If there is a total loss by an insured peril to a FL building, the insurer must
pay: - 🧠 ANSWER ✔✔Actual Cash Value
A Loss Payable Clause refers to - 🧠 ANSWER ✔✔Lenders interest in
personal property
My coin collection was appraised and my insurance company specifically
insured the
valued of that collection. That is an example of: - 🧠 ANSWER ✔✔A Valued
Policy
An insurance contract is based on the Principle of: - 🧠 ANSWER ✔✔Utmost
Good Faith
The two kinds of waivers are: - 🧠 ANSWER ✔✔express and implied
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
PRIVACY STATEMENT. ALL RIGHTS RESERVED
