6-20 ALL LINES ADJUSTER- FLORIDA-
REVIEW EXAM NEWEST 2025 ACTUAL
EXAM COMPLETE 199+ QUESTIONS
AND DETAILED ANSWERS (VERIFIED
ANSWERS ALREADY GRADED A+ )
|| BRAND NEW !!!!!
…………………………………………………………………………………………………………………………………………………………………
…………………………………………………………………………………………………………………………………………………………………
The dollar amount that the insured pays before the insurer is required to pay the remainder of the loss is
known as? -- ANSWER - >> The deductible
Which loss settlement provides new for old? -- ANSWER - >> Replacement cost
Give appropriate legal advice and write binding contracts -- ANSWER - >> the claims adjuster's role in
the insurance industry includes
Lighting, Explosion and Fire -- ANSWER - >> following are examples of a peril
The clause that prohibits the insured from dumping damaged property on the insurance company and
demanding to be paid in full is? -- ANSWER - >> The abandonment clause
When a policy change results in broadened coverage with no additional premium, the insured
automatically receives the benefit under the principle of? -- ANSWER - >> Liberalization
The chance of financial loss is known as? -- ANSWER - >> Risk
Hurricane insurance in coastal areas in Florida is written subject to which of the following deductibles?
-- ANSWER - >> Percentage
,Insurance may apply separately to each insured, as if the other insureds did not exist. This is known as
the doctrine of? -- ANSWER - >> Severability
When there is an unbroken connection between an occurrence and the damage that arises from the
occurrence, and all the resulting damage happened on account of that occurrence, this is known as? --
ANSWER - >> The principle of proximate cause
Consideration must be given to at least one party -- ANSWER - >> characteristics of a contract
When two or more policies apply to the same loss, the one that pays first is called? -- ANSWER - >>
Primary
The clause that protects the lender in a real property policy is the? -- ANSWER - >> Mortgagee Clause
The concept that one should not profit from the payment provided by an insurance policy is known as?
-- ANSWER - >> Indemnity
Payment the insurance company makes directly to the insured is? -- ANSWER - >> Property or first-party
insurance
To be considered an insurance contract, a policy must be? -- ANSWER - >> Written
When the insured transfers his/her rights to collect for damages to the insurer, it is known as? --
ANSWER - >> Subrogation
If an insurance policy is unclear or ambiguous, in whose favor does the policy respond? -- ANSWER - >>
The insured
A partial owner of a building cannot receive full value for the building in the event of a loss because of?
-- ANSWER - >> Insurable interest
,Reduces the insured's damages by the degree of negligence -- ANSWER - >> Comparative negligence
Exclusions, Declarations and Endorsementd -- ANSWER - >> the following are part of an insurance policy
replacement cost minus depreciation -- ANSWER - >> ACV
The Florida Valued Policy Law requires the insurer to pay $200,000 -- ANSWER - >> The insured's house
is totally destroyed in a fire. The house is insured for $200,000. The adjuster who investigates the claims
determines the ACV of the home is $185,000.
No payment is made until the loss equals or exceeds the amount of the deductible and then the loss is
paid in full -- ANSWER - >> describe a franchise deductible
Private -- ANSWER - >> All of the following are characteristics of an insurance contract EXCEPT?
Personal, Private, Conditional, Adhesion?
Only meet with the client when the attorney is present -- ANSWER - >> If a claimant is represented by
an attorney, the adjuster should?
claims information -- ANSWER - >> Adjusters should advise claimants on?
Written -- ANSWER - >> An adjuster is required to notify a claimant when a claim is denied. The
notification must be?
service to others, personal respect and proper mode of conduct -- ANSWER - >> The term ethics refers
to?
third party claim -- ANSWER - >> When an adjuster deals with a claimant who is not a policyholder, this
claim is known as an?
Decision-making -- ANSWER - >> The successful adjuster/negotiator should understand that
communication includes all of the following EXCEPT?
, Select one:
A. Verbal and non-verbal messages
B. Questioning
C. Listening
D. Decision-making
Counseling -- ANSWER - >> Which of the following is not a duty of the claims adjuster?
Select one:
A. Investigating
B. Evaluating
C. Negotiating
D. Counseling
Fiduciary -- ANSWER - >> The adjuster's duty to the insurer is best described as?
Select one:
A. Friendly
B. Factual
C. Fun
D. Fiduciary
Both unethical behavior and lack of knowledge or information are correct -- ANSWER - >> Errors and
Omissions claims are a result of?
Select one:
A. unethical behavior
B. lack of knowledge or information
C. Both unethical behavior and lack of knowledge or information are correct
D. Neither unethical behavior and lack of knowledge or information are correct
All of the above -- ANSWER - >> Unethical behavior affects?
REVIEW EXAM NEWEST 2025 ACTUAL
EXAM COMPLETE 199+ QUESTIONS
AND DETAILED ANSWERS (VERIFIED
ANSWERS ALREADY GRADED A+ )
|| BRAND NEW !!!!!
…………………………………………………………………………………………………………………………………………………………………
…………………………………………………………………………………………………………………………………………………………………
The dollar amount that the insured pays before the insurer is required to pay the remainder of the loss is
known as? -- ANSWER - >> The deductible
Which loss settlement provides new for old? -- ANSWER - >> Replacement cost
Give appropriate legal advice and write binding contracts -- ANSWER - >> the claims adjuster's role in
the insurance industry includes
Lighting, Explosion and Fire -- ANSWER - >> following are examples of a peril
The clause that prohibits the insured from dumping damaged property on the insurance company and
demanding to be paid in full is? -- ANSWER - >> The abandonment clause
When a policy change results in broadened coverage with no additional premium, the insured
automatically receives the benefit under the principle of? -- ANSWER - >> Liberalization
The chance of financial loss is known as? -- ANSWER - >> Risk
Hurricane insurance in coastal areas in Florida is written subject to which of the following deductibles?
-- ANSWER - >> Percentage
,Insurance may apply separately to each insured, as if the other insureds did not exist. This is known as
the doctrine of? -- ANSWER - >> Severability
When there is an unbroken connection between an occurrence and the damage that arises from the
occurrence, and all the resulting damage happened on account of that occurrence, this is known as? --
ANSWER - >> The principle of proximate cause
Consideration must be given to at least one party -- ANSWER - >> characteristics of a contract
When two or more policies apply to the same loss, the one that pays first is called? -- ANSWER - >>
Primary
The clause that protects the lender in a real property policy is the? -- ANSWER - >> Mortgagee Clause
The concept that one should not profit from the payment provided by an insurance policy is known as?
-- ANSWER - >> Indemnity
Payment the insurance company makes directly to the insured is? -- ANSWER - >> Property or first-party
insurance
To be considered an insurance contract, a policy must be? -- ANSWER - >> Written
When the insured transfers his/her rights to collect for damages to the insurer, it is known as? --
ANSWER - >> Subrogation
If an insurance policy is unclear or ambiguous, in whose favor does the policy respond? -- ANSWER - >>
The insured
A partial owner of a building cannot receive full value for the building in the event of a loss because of?
-- ANSWER - >> Insurable interest
,Reduces the insured's damages by the degree of negligence -- ANSWER - >> Comparative negligence
Exclusions, Declarations and Endorsementd -- ANSWER - >> the following are part of an insurance policy
replacement cost minus depreciation -- ANSWER - >> ACV
The Florida Valued Policy Law requires the insurer to pay $200,000 -- ANSWER - >> The insured's house
is totally destroyed in a fire. The house is insured for $200,000. The adjuster who investigates the claims
determines the ACV of the home is $185,000.
No payment is made until the loss equals or exceeds the amount of the deductible and then the loss is
paid in full -- ANSWER - >> describe a franchise deductible
Private -- ANSWER - >> All of the following are characteristics of an insurance contract EXCEPT?
Personal, Private, Conditional, Adhesion?
Only meet with the client when the attorney is present -- ANSWER - >> If a claimant is represented by
an attorney, the adjuster should?
claims information -- ANSWER - >> Adjusters should advise claimants on?
Written -- ANSWER - >> An adjuster is required to notify a claimant when a claim is denied. The
notification must be?
service to others, personal respect and proper mode of conduct -- ANSWER - >> The term ethics refers
to?
third party claim -- ANSWER - >> When an adjuster deals with a claimant who is not a policyholder, this
claim is known as an?
Decision-making -- ANSWER - >> The successful adjuster/negotiator should understand that
communication includes all of the following EXCEPT?
, Select one:
A. Verbal and non-verbal messages
B. Questioning
C. Listening
D. Decision-making
Counseling -- ANSWER - >> Which of the following is not a duty of the claims adjuster?
Select one:
A. Investigating
B. Evaluating
C. Negotiating
D. Counseling
Fiduciary -- ANSWER - >> The adjuster's duty to the insurer is best described as?
Select one:
A. Friendly
B. Factual
C. Fun
D. Fiduciary
Both unethical behavior and lack of knowledge or information are correct -- ANSWER - >> Errors and
Omissions claims are a result of?
Select one:
A. unethical behavior
B. lack of knowledge or information
C. Both unethical behavior and lack of knowledge or information are correct
D. Neither unethical behavior and lack of knowledge or information are correct
All of the above -- ANSWER - >> Unethical behavior affects?
