Florida Public Adjuster Licensing Exam
questions and Correct Answers (Verified
Answers) Plus Rationales 2026 Q&A | Instant
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1. A public adjuster in Florida is primarily responsible for:
A. Writing insurance policies
B. Representing the insured in negotiating a claim
C. Representing the insurance company
D. Underwriting risks
Rationale: Public adjusters work on behalf of the insured, not the
insurer, to settle claims.
2. Before acting as a public adjuster, an individual must:
A. Have 5 years of experience as a claims adjuster
B. Obtain a license from the Florida Department of Financial
Services (DFS)
C. Complete a law degree
D. Only complete continuing education
Rationale: Licensing ensures the adjuster meets state
requirements and is legally allowed to represent claimants.
3. Which of the following is a requirement for obtaining a public
adjuster license in Florida?
A. Must be over 25 years old
B. Must work for an insurance company
C. Submit fingerprints and pass a background check
D. Have a degree in finance
, Rationale: Florida requires applicants to submit fingerprints for a
criminal background check before licensing.
4. How often must a Florida public adjuster renew their license?
A. Every year
B. Every 2 years
C. Every 3 years
D. Every 5 years
Rationale: Licenses are biennial in Florida, with continuing
education required for renewal.
5. A public adjuster’s duties include:
A. Inspecting property and estimating losses
B. Preparing and negotiating insurance claims on behalf of the
insured
C. Determining insurance premiums
D. Selling insurance policies
Rationale: The adjuster advocates for the insured to ensure fair
claim settlement.
6. If a public adjuster solicits business door-to-door, they must:
A. Provide false information to secure clients
B. Only solicit from insurance agents
C. Follow all Florida solicitation laws, including giving written
disclosure of fees
D. Charge a fee before inspecting property
Rationale: Florida law regulates solicitation practices to prevent
fraud or coercion.
7. A public adjuster may not:
A. Charge a fee based on a percentage of recovery without a
written contract
B. Help the insured prepare a claim
, C. Negotiate with the insurer
D. Document property damage
Rationale: All fees must be clearly disclosed in a written
agreement to protect the insured.
8. What is the maximum commission a public adjuster may charge in
Florida?
A. 25% of the claim
B. 30% of the claim
C. 10% of the claim
D. 15% of the claim
Rationale: Florida limits public adjuster fees to 10% for
residential claims over $1 million; fees may vary based on claim
type.
9. Which of the following actions is prohibited for a public adjuster
in Florida?
A. Inspecting a damaged property
B. Altering policy provisions
C. Preparing a proof of loss
D. Negotiating with the insurer
Rationale: Adjusters cannot change or rewrite insurance policy
terms; that is the insurer’s role.
10. A public adjuster must keep records of claims for at least:
A. 1 year
B. 2 years
C. 5 years
D. 10 years
Rationale: Florida law requires adjusters to maintain accurate
records for auditing and compliance purposes.
questions and Correct Answers (Verified
Answers) Plus Rationales 2026 Q&A | Instant
Download Pdf
1. A public adjuster in Florida is primarily responsible for:
A. Writing insurance policies
B. Representing the insured in negotiating a claim
C. Representing the insurance company
D. Underwriting risks
Rationale: Public adjusters work on behalf of the insured, not the
insurer, to settle claims.
2. Before acting as a public adjuster, an individual must:
A. Have 5 years of experience as a claims adjuster
B. Obtain a license from the Florida Department of Financial
Services (DFS)
C. Complete a law degree
D. Only complete continuing education
Rationale: Licensing ensures the adjuster meets state
requirements and is legally allowed to represent claimants.
3. Which of the following is a requirement for obtaining a public
adjuster license in Florida?
A. Must be over 25 years old
B. Must work for an insurance company
C. Submit fingerprints and pass a background check
D. Have a degree in finance
, Rationale: Florida requires applicants to submit fingerprints for a
criminal background check before licensing.
4. How often must a Florida public adjuster renew their license?
A. Every year
B. Every 2 years
C. Every 3 years
D. Every 5 years
Rationale: Licenses are biennial in Florida, with continuing
education required for renewal.
5. A public adjuster’s duties include:
A. Inspecting property and estimating losses
B. Preparing and negotiating insurance claims on behalf of the
insured
C. Determining insurance premiums
D. Selling insurance policies
Rationale: The adjuster advocates for the insured to ensure fair
claim settlement.
6. If a public adjuster solicits business door-to-door, they must:
A. Provide false information to secure clients
B. Only solicit from insurance agents
C. Follow all Florida solicitation laws, including giving written
disclosure of fees
D. Charge a fee before inspecting property
Rationale: Florida law regulates solicitation practices to prevent
fraud or coercion.
7. A public adjuster may not:
A. Charge a fee based on a percentage of recovery without a
written contract
B. Help the insured prepare a claim
, C. Negotiate with the insurer
D. Document property damage
Rationale: All fees must be clearly disclosed in a written
agreement to protect the insured.
8. What is the maximum commission a public adjuster may charge in
Florida?
A. 25% of the claim
B. 30% of the claim
C. 10% of the claim
D. 15% of the claim
Rationale: Florida limits public adjuster fees to 10% for
residential claims over $1 million; fees may vary based on claim
type.
9. Which of the following actions is prohibited for a public adjuster
in Florida?
A. Inspecting a damaged property
B. Altering policy provisions
C. Preparing a proof of loss
D. Negotiating with the insurer
Rationale: Adjusters cannot change or rewrite insurance policy
terms; that is the insurer’s role.
10. A public adjuster must keep records of claims for at least:
A. 1 year
B. 2 years
C. 5 years
D. 10 years
Rationale: Florida law requires adjusters to maintain accurate
records for auditing and compliance purposes.
