Page 1 of 105
Florida Claims Adjuster Exam; 6-20 All Lines Adjuster -
Florida Test Review (Latest 2025) Check & Graded A
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.
,Page 2 of 105
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
Property insurance policies usually contain a(n) __________
clause, stating the insured cannot dump damaged property on
the insurer and demand its full value:
A. Pro Rata
B. Abandonment
C. Liberalization
D. All of the above
,Page 3 of 105
.....ANSWER.....B. Abandonment
A(n) __________ is one wherein economic loss would be suffered
from an adverse happening to the subject:
A. Conditional Contract
B. Personal Contract
C. Economic Contract
D. Insurable Interest
.....ANSWER.....D. Insurable Interest
States that if the insurer adopts a revision which would broaden
coverage without additional premium within some period of time
prior to the policy period or during the policy period, the insured
receives the benefit of such broadened coverage.
A. Cancellation Clause
B. Policy Period
, Page 4 of 105
C. Pro Rata
D. Liberalization .....ANSWER.....D. Liberalization
The time frame is typically 60 days.
The __________ states that when there is an unbroken connection
between an occurrence and damage that grows out of the
occurrence, then the resultant damage is all a part of the
occurrence.
A. Doctrine of Proximate Cause
B. Doctrine of Perils & Hazards
C. Insurance Policy Handbook
D. Doctrine of Property Insurance .....ANSWER.....A. Doctrine of
Proximate Cause
For example, if a property insurance policy covers the peril of
fire but further damage is caused by smoke, water used to
Florida Claims Adjuster Exam; 6-20 All Lines Adjuster -
Florida Test Review (Latest 2025) Check & Graded A
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.
,Page 2 of 105
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
Property insurance policies usually contain a(n) __________
clause, stating the insured cannot dump damaged property on
the insurer and demand its full value:
A. Pro Rata
B. Abandonment
C. Liberalization
D. All of the above
,Page 3 of 105
.....ANSWER.....B. Abandonment
A(n) __________ is one wherein economic loss would be suffered
from an adverse happening to the subject:
A. Conditional Contract
B. Personal Contract
C. Economic Contract
D. Insurable Interest
.....ANSWER.....D. Insurable Interest
States that if the insurer adopts a revision which would broaden
coverage without additional premium within some period of time
prior to the policy period or during the policy period, the insured
receives the benefit of such broadened coverage.
A. Cancellation Clause
B. Policy Period
, Page 4 of 105
C. Pro Rata
D. Liberalization .....ANSWER.....D. Liberalization
The time frame is typically 60 days.
The __________ states that when there is an unbroken connection
between an occurrence and damage that grows out of the
occurrence, then the resultant damage is all a part of the
occurrence.
A. Doctrine of Proximate Cause
B. Doctrine of Perils & Hazards
C. Insurance Policy Handbook
D. Doctrine of Property Insurance .....ANSWER.....A. Doctrine of
Proximate Cause
For example, if a property insurance policy covers the peril of
fire but further damage is caused by smoke, water used to
