Progressive Insurance Florida Claims Adjuster Exam –
Latest Update 2026 | Exam Prep | Graded A+
1. Interpret the implications of a controverted case for an injured worker seeking
benefits.
A controverted case indicates that the injured worker may face challenges
in receiving benefits due to the employer's denial of liability.
A controverted case means the worker will automatically receive benefits
without delay.
A controverted case suggests that the employer is fully supportive of the
worker's claim.
A controverted case implies that the worker's claim has been approved.
2. _______ is the cost to replace property with property of like kind and quality, at
current pricing, without a deduction for depreciation.
Actual Cash Value
Replacement Cost
Agreed Value
3. If an employee experiences a heart attack while performing routine office tasks,
how would this scenario be treated under workers' compensation laws?
It would be compensable because heart attacks are always covered under
workers' compensation.
It would likely not be compensable since the employee was not engaged in
extraordinarily heavy or exerting work.
, It would be compensable if the employee had a prior heart condition.
It would be compensable due to the nature of the work environment.
4. What is the time frame in which an adjuster must notify the department of changes
to their contact information?
15 days
30 days
90 days
60 days
5. Describe how the coverage limits for jewelry under Sharon's HO-3 policy affect her
claim for the stolen items.
The policy does not cover jewelry at all.
The policy has a $1500 limit for jewelry, which may affect the total amount
reimbursed for the stolen items.
The policy covers all stolen items without limits.
The policy allows for unlimited coverage on all personal property.
6. If the insured had incurred $12,000 in medical expenses instead of $5,000, how
much PIP coverage would be available after applying the deductible?
$12,000
$10,500
$11,500
$11,000
,7. A personal auto policy had Bodily Injury limits of 50/100. Three persons are injured
in the same accident and each claim 40,000 for bodily injury. How
much will the policy pay out in total.
120,000
100,000 40,000
none of the above
8. How much does theft of jewelry pay on Homeowners' policy?
$ 500
$3,000
$1,500
$2,500
9. If an insured's employee embezzles $10,000 from the company's bank account,
which of the following coverages would need to be in force for the loss to be
covered?
forgery and alteration
Inside the premises- theft of money and securities
Money orders and counterfeit paper currency
Employee theft
10. If a business owner discovers a burglary with forced entry and files a claim, what
factors will the insurance company likely consider when processing the claim?
Evidence of forced entry and the value of stolen items
Only the value of stolen items
, The location of the business
The owner's previous claims history
11. If a business has a commercial general liability policy with an aggregate limit of $1
million and faces multiple claims totaling $1.5 million within the policy period, how
much will the insurer pay?
Nothing, as the claims exceed the limit.
$1.5 million
$1 million
$500,000
12. Describe how the degree of legalism affects claims adjustment in the healthcare
industry compared to the property/casualty industry.
The degree of legalism is the same in both industries, affecting claims
adjustment equally.
The degree of legalism in the healthcare industry often leads to more
complex regulations and legal requirements than in the property/casualty
industry.
The property/casualty industry has more legal requirements than the
healthcare industry.
Legalism does not affect claims adjustment in either industry.
13. If Jon had chosen to use his own personal insurance carrier instead of Sunshine's
policy, what potential consequence might he face?
An increase in his personal insurance premiums
No consequences at all
A faster claims process
Latest Update 2026 | Exam Prep | Graded A+
1. Interpret the implications of a controverted case for an injured worker seeking
benefits.
A controverted case indicates that the injured worker may face challenges
in receiving benefits due to the employer's denial of liability.
A controverted case means the worker will automatically receive benefits
without delay.
A controverted case suggests that the employer is fully supportive of the
worker's claim.
A controverted case implies that the worker's claim has been approved.
2. _______ is the cost to replace property with property of like kind and quality, at
current pricing, without a deduction for depreciation.
Actual Cash Value
Replacement Cost
Agreed Value
3. If an employee experiences a heart attack while performing routine office tasks,
how would this scenario be treated under workers' compensation laws?
It would be compensable because heart attacks are always covered under
workers' compensation.
It would likely not be compensable since the employee was not engaged in
extraordinarily heavy or exerting work.
, It would be compensable if the employee had a prior heart condition.
It would be compensable due to the nature of the work environment.
4. What is the time frame in which an adjuster must notify the department of changes
to their contact information?
15 days
30 days
90 days
60 days
5. Describe how the coverage limits for jewelry under Sharon's HO-3 policy affect her
claim for the stolen items.
The policy does not cover jewelry at all.
The policy has a $1500 limit for jewelry, which may affect the total amount
reimbursed for the stolen items.
The policy covers all stolen items without limits.
The policy allows for unlimited coverage on all personal property.
6. If the insured had incurred $12,000 in medical expenses instead of $5,000, how
much PIP coverage would be available after applying the deductible?
$12,000
$10,500
$11,500
$11,000
,7. A personal auto policy had Bodily Injury limits of 50/100. Three persons are injured
in the same accident and each claim 40,000 for bodily injury. How
much will the policy pay out in total.
120,000
100,000 40,000
none of the above
8. How much does theft of jewelry pay on Homeowners' policy?
$ 500
$3,000
$1,500
$2,500
9. If an insured's employee embezzles $10,000 from the company's bank account,
which of the following coverages would need to be in force for the loss to be
covered?
forgery and alteration
Inside the premises- theft of money and securities
Money orders and counterfeit paper currency
Employee theft
10. If a business owner discovers a burglary with forced entry and files a claim, what
factors will the insurance company likely consider when processing the claim?
Evidence of forced entry and the value of stolen items
Only the value of stolen items
, The location of the business
The owner's previous claims history
11. If a business has a commercial general liability policy with an aggregate limit of $1
million and faces multiple claims totaling $1.5 million within the policy period, how
much will the insurer pay?
Nothing, as the claims exceed the limit.
$1.5 million
$1 million
$500,000
12. Describe how the degree of legalism affects claims adjustment in the healthcare
industry compared to the property/casualty industry.
The degree of legalism is the same in both industries, affecting claims
adjustment equally.
The degree of legalism in the healthcare industry often leads to more
complex regulations and legal requirements than in the property/casualty
industry.
The property/casualty industry has more legal requirements than the
healthcare industry.
Legalism does not affect claims adjustment in either industry.
13. If Jon had chosen to use his own personal insurance carrier instead of Sunshine's
policy, what potential consequence might he face?
An increase in his personal insurance premiums
No consequences at all
A faster claims process
