Florida Claims Adjuster Exam, 6-20 All Lines
Adjuster- Florida- Review TEST EXAM QUESTIONS
WITH CORRECT ANSWERS.
A claim is made under a CGL for a slip and fall injury. Two years later the injured person comes back
saying the injury has flared-up. Is the reoccurrence covered under CGL Medical Payments?
Select one:
A. Yes, expenses are covered because of proximate cause.
B. No, slip and falls are not covered under Medical Payment coverage
C. Yes, expenses are covered within three years of the injury.
D. No, expenses are covered within one year of the injury. - CORRECT ANSWER✅✅No, expenses are
covered within one year of the injury.
A company had its certificate of authority revoked because of bad sales practices. This type of company
is known as:
Select one:
A. An admitted company
B. An unedited company
C. An unauthorized company
D. An authorized company - CORRECT ANSWER✅✅An unauthorized company
A company was incorporated in Massachusetts and has their home office in that state. What type of
company is this when they do business in Florida?
Select one:
A. They are an unauthorized company
B. They are a domestic company
C. They are a foreign company
D. They are an alien company - CORRECT ANSWER✅✅They are a foreign company
,A contract condition of the Homeowners policy which provides that the insured gets the benefit of
broadened coverage if the company adopts a broader form without an increase in premium is:
Select one:
A. Subrogation
B. Liberalization
C. Assignment
D. Coinsurance - CORRECT ANSWER✅✅Liberalization
A Florida employee was sent Boston to work for one week. While in Boston, they were injured on the
job. How is the injury covered under WC benefits?
Select one:
A. The injury is covered under Florida's WC law
B. There is no coverage under either state law
C. The injury is covered under Massachusetts WC law
D. None of the above - CORRECT ANSWER✅✅The injury is covered under Florida's WC law
A florist wanted coverage on business contents, which vary in amount over the course of a year. Which
form best fits this situation?
Select one:
A. Peak Season Endorsement
B. None of the above
C. Value Reporting Endorsement
D. An automatic increase in insurance - CORRECT ANSWER✅✅Value Reporting Endorsement
A fourth party to a bond is called a:
Select one:
A. Surety
B. Principal
C. Indemnitor
D. Obligee - CORRECT ANSWER✅✅Indemnitor
,A General Lines Adjuster is required to do what ? - CORRECT ANSWER✅✅Participate in 24 hrs of
continuing education every 2 years.
A homeowner could not find coverage on the open market and looked to the residual market for
coverage. What Joint Underwriting Association would handle this risk?
Select one:
A. Citizens
B. The Florida Residential Property and Casualty Joint Underwriting Association
C. The Florida Workers Compensation Joint Underwriting Association
D. The Florida Automobile Joint Underwriting Association - CORRECT ANSWER✅✅Citizens
A house under construction is eligible for a Homeowner Policy if:
Select one:
A. None of these answers are correct
B. The builder doesn?t qualify for a Commercial Property Policy
C. The builder is licensed
D. The insured will be the owner-occupant - CORRECT ANSWER✅✅D. The insured will be the owner-
occupant
A licensee must notify the Department in writing in how many days for change of name, address, phone
number or email ? - CORRECT ANSWER✅✅30 days.
A selected group of hospitals and doctors in a given area who have joined together to reduce medical
costs is:
Select one:
A. A Professional Practitioner Group
B. An HMO
C. A Health Managed Hospital
D. A PPO - CORRECT ANSWER✅✅A PPO
, Abandonment - CORRECT ANSWER✅✅Property insurance policies usually contain an abandonment
clause, stating the insured cannot dump damaged property on the insurer and demand its full value.
Accident - CORRECT ANSWER✅✅A sudden, unexpected event.
Acme Toys has a CGL policy. They hold a party and one of the guests has a little too much to drink. If the
guest injures someone and the injured party sues the Acme Toys, the CGL policy:
Select one:
A. Will cover if the insure has Liquor Liability Coverage
B. Will not cover
C. Will cover if the insured has Legal Liability Coverage
D. Will cover the claim - CORRECT ANSWER✅✅Will cover the claim
Actual Cash Value(ACV) - CORRECT ANSWER✅✅Replacement Cost minus Depreciation
ACV - CORRECT ANSWER✅✅replacement cost minus depreciation
Adjusters should advise claimants on? - CORRECT ANSWER✅✅claims information
Adjusting - CORRECT ANSWER✅✅Process of disposing of an insurance claim.
Admitted Liability is:
Select one:
A. Requires a legal action for injuries
B. None of the above
C. Applicable to passengers carried for hire
D. Not applicable to passengers carried for hire - CORRECT ANSWER✅✅Not applicable to passengers
carried for hire
Adjuster- Florida- Review TEST EXAM QUESTIONS
WITH CORRECT ANSWERS.
A claim is made under a CGL for a slip and fall injury. Two years later the injured person comes back
saying the injury has flared-up. Is the reoccurrence covered under CGL Medical Payments?
Select one:
A. Yes, expenses are covered because of proximate cause.
B. No, slip and falls are not covered under Medical Payment coverage
C. Yes, expenses are covered within three years of the injury.
D. No, expenses are covered within one year of the injury. - CORRECT ANSWER✅✅No, expenses are
covered within one year of the injury.
A company had its certificate of authority revoked because of bad sales practices. This type of company
is known as:
Select one:
A. An admitted company
B. An unedited company
C. An unauthorized company
D. An authorized company - CORRECT ANSWER✅✅An unauthorized company
A company was incorporated in Massachusetts and has their home office in that state. What type of
company is this when they do business in Florida?
Select one:
A. They are an unauthorized company
B. They are a domestic company
C. They are a foreign company
D. They are an alien company - CORRECT ANSWER✅✅They are a foreign company
,A contract condition of the Homeowners policy which provides that the insured gets the benefit of
broadened coverage if the company adopts a broader form without an increase in premium is:
Select one:
A. Subrogation
B. Liberalization
C. Assignment
D. Coinsurance - CORRECT ANSWER✅✅Liberalization
A Florida employee was sent Boston to work for one week. While in Boston, they were injured on the
job. How is the injury covered under WC benefits?
Select one:
A. The injury is covered under Florida's WC law
B. There is no coverage under either state law
C. The injury is covered under Massachusetts WC law
D. None of the above - CORRECT ANSWER✅✅The injury is covered under Florida's WC law
A florist wanted coverage on business contents, which vary in amount over the course of a year. Which
form best fits this situation?
Select one:
A. Peak Season Endorsement
B. None of the above
C. Value Reporting Endorsement
D. An automatic increase in insurance - CORRECT ANSWER✅✅Value Reporting Endorsement
A fourth party to a bond is called a:
Select one:
A. Surety
B. Principal
C. Indemnitor
D. Obligee - CORRECT ANSWER✅✅Indemnitor
,A General Lines Adjuster is required to do what ? - CORRECT ANSWER✅✅Participate in 24 hrs of
continuing education every 2 years.
A homeowner could not find coverage on the open market and looked to the residual market for
coverage. What Joint Underwriting Association would handle this risk?
Select one:
A. Citizens
B. The Florida Residential Property and Casualty Joint Underwriting Association
C. The Florida Workers Compensation Joint Underwriting Association
D. The Florida Automobile Joint Underwriting Association - CORRECT ANSWER✅✅Citizens
A house under construction is eligible for a Homeowner Policy if:
Select one:
A. None of these answers are correct
B. The builder doesn?t qualify for a Commercial Property Policy
C. The builder is licensed
D. The insured will be the owner-occupant - CORRECT ANSWER✅✅D. The insured will be the owner-
occupant
A licensee must notify the Department in writing in how many days for change of name, address, phone
number or email ? - CORRECT ANSWER✅✅30 days.
A selected group of hospitals and doctors in a given area who have joined together to reduce medical
costs is:
Select one:
A. A Professional Practitioner Group
B. An HMO
C. A Health Managed Hospital
D. A PPO - CORRECT ANSWER✅✅A PPO
, Abandonment - CORRECT ANSWER✅✅Property insurance policies usually contain an abandonment
clause, stating the insured cannot dump damaged property on the insurer and demand its full value.
Accident - CORRECT ANSWER✅✅A sudden, unexpected event.
Acme Toys has a CGL policy. They hold a party and one of the guests has a little too much to drink. If the
guest injures someone and the injured party sues the Acme Toys, the CGL policy:
Select one:
A. Will cover if the insure has Liquor Liability Coverage
B. Will not cover
C. Will cover if the insured has Legal Liability Coverage
D. Will cover the claim - CORRECT ANSWER✅✅Will cover the claim
Actual Cash Value(ACV) - CORRECT ANSWER✅✅Replacement Cost minus Depreciation
ACV - CORRECT ANSWER✅✅replacement cost minus depreciation
Adjusters should advise claimants on? - CORRECT ANSWER✅✅claims information
Adjusting - CORRECT ANSWER✅✅Process of disposing of an insurance claim.
Admitted Liability is:
Select one:
A. Requires a legal action for injuries
B. None of the above
C. Applicable to passengers carried for hire
D. Not applicable to passengers carried for hire - CORRECT ANSWER✅✅Not applicable to passengers
carried for hire
