FLORIDA PUBLIC ADJUSTER STATE TEST EXAM
STUDY GUIDE 2026 QUESTIONS WITH
ANSWERS GRADED A
◉ 4 Exceptions to Tort Exemption(Threshold of No-Fault). Answer:
1. Significant and Permanent loss of bodily function.
2.Permanent injury other than scarring and disfigurement.
3.Significant and Permanent scarring or disfigurement.
4.Death
◉ What does NFIP stand for?. Answer: National Flood Insurance
Program
◉ Form SR-22. Answer: Drivers Convicted of DUI or a traffic felony
over the prior 3 years are required to have 100/300/50 coverage or
a certificate of self insurance of $350,000.
◉ Contents of a CGL Contract. Answer: 1.Declarations Form
2.Common Policy Conditions Form
3. One of:
A.Occurrence Form
B.Claims Made Form
,4.Nuclear Energy Liability Exclusion Endorsement.
◉ Declarations of a CGL Contract(4). Answer: 1.Named
Insured(including address)
2.Policy Period
3.Premium
4.Limits of Coverage
◉ 7 Common CGL Conditions. Answer: 1.Cancellation(30 Days by
insurer option, 10 Days By no payment).
2.Changes
3.Examination of Books
4.Inspections and Surveys
5.Premiums
6.Transfer
7.Nuclear Endorsement
◉ CGL Coverage A. Answer: Bodily Injury and Property Damage
Insuring Agreement
◉ The 3 Conditions that define work as "completed". Answer:
1.When all work called for in the contract is completed.
, 2.When all work to be done at the site has been completed if one
contract calls for work at more than one site.
3.When that part of the work done at a job site has been put to its
intended use by any person or organization other than another
contractor or subcontractor.
◉ Occurance. Answer: An accident, including continuous or
repeated exposure to substantially the same general harmful
conditions.
◉ accident. Answer: Sudden, unexpected event
◉ The Difference between "Occurance" and "Claims Made" CGL
Coverages. Answer: The Coverage Trigger:
The Occurance Form applies to BI and PD regardless of any later
time at which the claim is made.
The Claims-Made Form applies only to BI and PD that occurs on or
after the "Retro-Active date"
◉ Retro-Active Date. Answer: The date on which the coverage legally
began.
◉ Basic Extended Reporting Period for CGL. Answer: 60 Days after
expiration
STUDY GUIDE 2026 QUESTIONS WITH
ANSWERS GRADED A
◉ 4 Exceptions to Tort Exemption(Threshold of No-Fault). Answer:
1. Significant and Permanent loss of bodily function.
2.Permanent injury other than scarring and disfigurement.
3.Significant and Permanent scarring or disfigurement.
4.Death
◉ What does NFIP stand for?. Answer: National Flood Insurance
Program
◉ Form SR-22. Answer: Drivers Convicted of DUI or a traffic felony
over the prior 3 years are required to have 100/300/50 coverage or
a certificate of self insurance of $350,000.
◉ Contents of a CGL Contract. Answer: 1.Declarations Form
2.Common Policy Conditions Form
3. One of:
A.Occurrence Form
B.Claims Made Form
,4.Nuclear Energy Liability Exclusion Endorsement.
◉ Declarations of a CGL Contract(4). Answer: 1.Named
Insured(including address)
2.Policy Period
3.Premium
4.Limits of Coverage
◉ 7 Common CGL Conditions. Answer: 1.Cancellation(30 Days by
insurer option, 10 Days By no payment).
2.Changes
3.Examination of Books
4.Inspections and Surveys
5.Premiums
6.Transfer
7.Nuclear Endorsement
◉ CGL Coverage A. Answer: Bodily Injury and Property Damage
Insuring Agreement
◉ The 3 Conditions that define work as "completed". Answer:
1.When all work called for in the contract is completed.
, 2.When all work to be done at the site has been completed if one
contract calls for work at more than one site.
3.When that part of the work done at a job site has been put to its
intended use by any person or organization other than another
contractor or subcontractor.
◉ Occurance. Answer: An accident, including continuous or
repeated exposure to substantially the same general harmful
conditions.
◉ accident. Answer: Sudden, unexpected event
◉ The Difference between "Occurance" and "Claims Made" CGL
Coverages. Answer: The Coverage Trigger:
The Occurance Form applies to BI and PD regardless of any later
time at which the claim is made.
The Claims-Made Form applies only to BI and PD that occurs on or
after the "Retro-Active date"
◉ Retro-Active Date. Answer: The date on which the coverage legally
began.
◉ Basic Extended Reporting Period for CGL. Answer: 60 Days after
expiration
