FLORIDA STATUTES LATEST 2026 EXAM QUESTIONS AND
ANSWERS RATED A+
✔✔Roof to Wall Connection - ✔✔Straps and Clips are a common attachment of a
dwelling's walls to the roof trusses.
✔✔Florida Insurance Guaranty Association - ✔✔The Florida non-profit corporation
which handles claims of insolvent property and casualty insurance companies.
✔✔Surplus Lines Market - ✔✔The non-admitted market providing coverage that the
standard market cannot or will not provide.
✔✔Florida Surplus Lines Service Office - ✔✔The regulator of the surplus industry for
the state of Florida.
✔✔18 Years Old - ✔✔Age requirement to become Personal Lines Agent.
✔✔48 Months - ✔✔The number of months a licensee has to obtain a company
appointment before the license terminates/expires?
✔✔An Appointment - ✔✔The authority given by an insurer or employer to transact
insurance or adjust claims.
✔✔Valid Form of Identification - ✔✔An applicant must present when presenting
themselves to take the state exam.
✔✔Missed Appointment - ✔✔An applicant's failure to present a valid form of
identification at the exam testing center requiring the applicant to reschedule their exam.
✔✔Florida Residency Requirement - ✔✔On the application to become a Personal Lines
Agent the applicant must show they are a bona fide resident of Florida.
✔✔Controlled Business - ✔✔When more than 50% of an agent's income is anticipated
to come from transactions for which the agent has a business, family, or pecuniary
interest.
✔✔Identifiable and Accessible Office - ✔✔A Personal Lines Agent office exposure
requirements.
✔✔Terrorism Risk Insurance Act - ✔✔The federal Act which created a federal
"backstop" for insurance claims related to acts of terrorism.
✔✔Hurricane - ✔✔The atmospheric event in which the maximum sustained surface
winds are 74 miles per hour or greater.
, ✔✔Mold - ✔✔The layman's term for microscopic filamentous fungi.
✔✔Loss Assessment Coverage - ✔✔Insurance coverage for condo owners that
provides protection when the insured as an owner of "shared property" is held
financially responsible for a portion of the costs for deductibles or damage to: condo
buildings and property (the "shared property").
✔✔Catastrophic Ground Cover Collapse - ✔✔Geological activity that results in ALL of
the following: 1). the abrupt collapse of the ground cover; 2). a depression in the ground
cover clearly visible to the naked eye; 3). structural damage to the building including the
foundation; and 4). the insured structure being condemned and ordered to be vacated
by the government agency authorized by law to issue such an order for that structure.
✔✔Hurricane Deductible - ✔✔The amount listed on a policy Declarations Page, which is
retained by the policyholder before an insurance company issues any payment for
damage caused by a Hurricane.
✔✔Percentage - ✔✔The manner in which Hurricane Deductibles are listed in Florida
Insurance policies.
✔✔Arbitration Clause - ✔✔The clause in an insurance policy that requires the insured
and insurer to resolve disputes through arbitration as opposed to mediation or litigation.
✔✔Sinkhole - ✔✔A land form created by subsidence of soil, sediment, or rock as
underlying strata are dissolved by groundwater.
✔✔Gramm-Leach-Bliley Act - ✔✔The federal Act which requires insurance companies
to explain their information sharing practices to their customers and to safeguard all
sensitive data.
✔✔Fair Credit Reporting Act - ✔✔The federal Act which promotes the accuracy,
fairness, and privacy of information in the files of consumer reporting agencies
✔✔Applications Coordination Unit - ✔✔The unit which reviews and approves company
applications to sell insurance.
✔✔The Bureau of Property & Casualty Insurer Solvency - ✔✔The department which is
responsible for: the receipt and review of insurance company financial statements; and
on-site financial examinations.
✔✔Division of Agents & Agencies Services - ✔✔The unit which investigates charges of
unethical agent conduct and is also responsible for agent licensing.
ANSWERS RATED A+
✔✔Roof to Wall Connection - ✔✔Straps and Clips are a common attachment of a
dwelling's walls to the roof trusses.
✔✔Florida Insurance Guaranty Association - ✔✔The Florida non-profit corporation
which handles claims of insolvent property and casualty insurance companies.
✔✔Surplus Lines Market - ✔✔The non-admitted market providing coverage that the
standard market cannot or will not provide.
✔✔Florida Surplus Lines Service Office - ✔✔The regulator of the surplus industry for
the state of Florida.
✔✔18 Years Old - ✔✔Age requirement to become Personal Lines Agent.
✔✔48 Months - ✔✔The number of months a licensee has to obtain a company
appointment before the license terminates/expires?
✔✔An Appointment - ✔✔The authority given by an insurer or employer to transact
insurance or adjust claims.
✔✔Valid Form of Identification - ✔✔An applicant must present when presenting
themselves to take the state exam.
✔✔Missed Appointment - ✔✔An applicant's failure to present a valid form of
identification at the exam testing center requiring the applicant to reschedule their exam.
✔✔Florida Residency Requirement - ✔✔On the application to become a Personal Lines
Agent the applicant must show they are a bona fide resident of Florida.
✔✔Controlled Business - ✔✔When more than 50% of an agent's income is anticipated
to come from transactions for which the agent has a business, family, or pecuniary
interest.
✔✔Identifiable and Accessible Office - ✔✔A Personal Lines Agent office exposure
requirements.
✔✔Terrorism Risk Insurance Act - ✔✔The federal Act which created a federal
"backstop" for insurance claims related to acts of terrorism.
✔✔Hurricane - ✔✔The atmospheric event in which the maximum sustained surface
winds are 74 miles per hour or greater.
, ✔✔Mold - ✔✔The layman's term for microscopic filamentous fungi.
✔✔Loss Assessment Coverage - ✔✔Insurance coverage for condo owners that
provides protection when the insured as an owner of "shared property" is held
financially responsible for a portion of the costs for deductibles or damage to: condo
buildings and property (the "shared property").
✔✔Catastrophic Ground Cover Collapse - ✔✔Geological activity that results in ALL of
the following: 1). the abrupt collapse of the ground cover; 2). a depression in the ground
cover clearly visible to the naked eye; 3). structural damage to the building including the
foundation; and 4). the insured structure being condemned and ordered to be vacated
by the government agency authorized by law to issue such an order for that structure.
✔✔Hurricane Deductible - ✔✔The amount listed on a policy Declarations Page, which is
retained by the policyholder before an insurance company issues any payment for
damage caused by a Hurricane.
✔✔Percentage - ✔✔The manner in which Hurricane Deductibles are listed in Florida
Insurance policies.
✔✔Arbitration Clause - ✔✔The clause in an insurance policy that requires the insured
and insurer to resolve disputes through arbitration as opposed to mediation or litigation.
✔✔Sinkhole - ✔✔A land form created by subsidence of soil, sediment, or rock as
underlying strata are dissolved by groundwater.
✔✔Gramm-Leach-Bliley Act - ✔✔The federal Act which requires insurance companies
to explain their information sharing practices to their customers and to safeguard all
sensitive data.
✔✔Fair Credit Reporting Act - ✔✔The federal Act which promotes the accuracy,
fairness, and privacy of information in the files of consumer reporting agencies
✔✔Applications Coordination Unit - ✔✔The unit which reviews and approves company
applications to sell insurance.
✔✔The Bureau of Property & Casualty Insurer Solvency - ✔✔The department which is
responsible for: the receipt and review of insurance company financial statements; and
on-site financial examinations.
✔✔Division of Agents & Agencies Services - ✔✔The unit which investigates charges of
unethical agent conduct and is also responsible for agent licensing.
