FLORIDA CLAIMS ADJUSTER EXAM 2026/2027 | 206
Questions with 100% Correct Answers | DFS Standards
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Graded
Part I: Getting Licensed and Knowing the Rules
Florida Insurance Regulations & Adjuster Licensing – Questions 1–40
Q1: An applicant for a Florida 6-20 All-Lines Adjuster license must file a surety bond with
the Department of Financial Services. What is the required bond amount?
A. $1,000
B. $5,000 [CORRECT]
C. $25,000
D. $50,000
Correct Answer: B
Rationale: Section 626.112 requires independent adjuster applicants to file a $5,000
surety bond with DFS. This bond protects consumers against adjuster misconduct. The
$50,000 bond (D) is for public adjusters, while A and C are incorrect amounts.
Q2: A licensed Florida adjuster must complete continuing education hours before each
biennial renewal. How many total hours are required, including the ethics component?
A. 10 hours total
,B. 14 hours total
C. 24 hours total including 5 hours of ethics/law [CORRECT]
D. 40 hours total
Correct Answer: C
Rationale: Florida adjusters must complete 24 hours of CE every 2 years, including 5
hours of ethics and law of insurance, with the remaining 19 hours in general insurance
subjects. Options A and B are insufficient, and D exceeds the requirement.
Q3: An independent adjuster in Florida must be appointed by an insurer or adjusting firm
to legally adjust claims. What is the timeframe for reporting a new appointment to DFS?
A. Within 15 days
B. Within 30 days [CORRECT]
C. Within 45 days
D. Within 60 days
Correct Answer: B
Rationale: Appointments must be reported to DFS within 30 days. This ensures the
Department maintains current records of which adjusters are authorized to act for
which insurers. Options A, C, and D state incorrect timeframes.
Q4: A company staff adjuster employed by a single insurer is adjusting claims in Florida.
Which licensing requirement applies?
A. Must obtain an independent adjuster license
,B. Exempt from licensing as a company employee [CORRECT]
C. Must obtain a public adjuster license
D. Must register as a non-resident adjuster only
Correct Answer: B
Rationale: Company employee adjusters (staff adjusters) are exempt from licensing
requirements under Section 626.112 as they act solely on behalf of their employer
insurer. Independent adjusters (A) require 6-20 licenses, public adjusters (C) require
3-20 licenses, and D is not a standalone requirement.
Q5: An unlicensed individual investigates and negotiates property damage claims for
compensation. What is the penalty for unlicensed adjusting in Florida?
A. Civil fine only, no criminal penalty
B. First-degree misdemeanor for first offense, third-degree felony for subsequent
offenses [CORRECT]
C. Warning letter for first offense
D. No penalty if the insurer accepts the claim settlement
Correct Answer: B
Rationale: Section 626.112 makes unlicensed adjusting a first-degree misdemeanor for
first offenses and a third-degree felony for subsequent offenses, with civil penalties up
to $10,000 per violation. Options A, C, and D minimize the serious legal consequences.
, Q6: A nonresident adjuster licensed in Georgia wants to handle Florida claims. Which
requirement applies?
A. Automatic reciprocity; no Florida license needed
B. Must obtain Florida nonresident license and maintain $5,000 bond [CORRECT]
C. Can adjust up to 10 claims annually without Florida license
D. Georgia license covers Florida under interstate compact
Correct Answer: B
Rationale: Nonresident adjusters must obtain a Florida license, maintain their home
state license, and file the $5,000 bond. There is no automatic reciprocity (A) or claim
limit exemption (C). Option D describes a non-existent compact provision.
Q7: An adjuster's license is set to expire January 31, 2027. When must CE requirements
be completed?
A. By December 31, 2026
B. By January 31, 2027 [CORRECT]
C. Within 30 days after expiration
D. CE is not required for renewal
Correct Answer: B
Rationale: CE must be completed by the license expiration date (January 31 of
even-numbered years for adjusters). There is no grace period for CE completion.
Options A is premature, C suggests a non-existent grace period, and D is false.
Questions with 100% Correct Answers | DFS Standards
Aligned | Complete Licensing Prep | Pass Guaranteed - A+
Graded
Part I: Getting Licensed and Knowing the Rules
Florida Insurance Regulations & Adjuster Licensing – Questions 1–40
Q1: An applicant for a Florida 6-20 All-Lines Adjuster license must file a surety bond with
the Department of Financial Services. What is the required bond amount?
A. $1,000
B. $5,000 [CORRECT]
C. $25,000
D. $50,000
Correct Answer: B
Rationale: Section 626.112 requires independent adjuster applicants to file a $5,000
surety bond with DFS. This bond protects consumers against adjuster misconduct. The
$50,000 bond (D) is for public adjusters, while A and C are incorrect amounts.
Q2: A licensed Florida adjuster must complete continuing education hours before each
biennial renewal. How many total hours are required, including the ethics component?
A. 10 hours total
,B. 14 hours total
C. 24 hours total including 5 hours of ethics/law [CORRECT]
D. 40 hours total
Correct Answer: C
Rationale: Florida adjusters must complete 24 hours of CE every 2 years, including 5
hours of ethics and law of insurance, with the remaining 19 hours in general insurance
subjects. Options A and B are insufficient, and D exceeds the requirement.
Q3: An independent adjuster in Florida must be appointed by an insurer or adjusting firm
to legally adjust claims. What is the timeframe for reporting a new appointment to DFS?
A. Within 15 days
B. Within 30 days [CORRECT]
C. Within 45 days
D. Within 60 days
Correct Answer: B
Rationale: Appointments must be reported to DFS within 30 days. This ensures the
Department maintains current records of which adjusters are authorized to act for
which insurers. Options A, C, and D state incorrect timeframes.
Q4: A company staff adjuster employed by a single insurer is adjusting claims in Florida.
Which licensing requirement applies?
A. Must obtain an independent adjuster license
,B. Exempt from licensing as a company employee [CORRECT]
C. Must obtain a public adjuster license
D. Must register as a non-resident adjuster only
Correct Answer: B
Rationale: Company employee adjusters (staff adjusters) are exempt from licensing
requirements under Section 626.112 as they act solely on behalf of their employer
insurer. Independent adjusters (A) require 6-20 licenses, public adjusters (C) require
3-20 licenses, and D is not a standalone requirement.
Q5: An unlicensed individual investigates and negotiates property damage claims for
compensation. What is the penalty for unlicensed adjusting in Florida?
A. Civil fine only, no criminal penalty
B. First-degree misdemeanor for first offense, third-degree felony for subsequent
offenses [CORRECT]
C. Warning letter for first offense
D. No penalty if the insurer accepts the claim settlement
Correct Answer: B
Rationale: Section 626.112 makes unlicensed adjusting a first-degree misdemeanor for
first offenses and a third-degree felony for subsequent offenses, with civil penalties up
to $10,000 per violation. Options A, C, and D minimize the serious legal consequences.
, Q6: A nonresident adjuster licensed in Georgia wants to handle Florida claims. Which
requirement applies?
A. Automatic reciprocity; no Florida license needed
B. Must obtain Florida nonresident license and maintain $5,000 bond [CORRECT]
C. Can adjust up to 10 claims annually without Florida license
D. Georgia license covers Florida under interstate compact
Correct Answer: B
Rationale: Nonresident adjusters must obtain a Florida license, maintain their home
state license, and file the $5,000 bond. There is no automatic reciprocity (A) or claim
limit exemption (C). Option D describes a non-existent compact provision.
Q7: An adjuster's license is set to expire January 31, 2027. When must CE requirements
be completed?
A. By December 31, 2026
B. By January 31, 2027 [CORRECT]
C. Within 30 days after expiration
D. CE is not required for renewal
Correct Answer: B
Rationale: CE must be completed by the license expiration date (January 31 of
even-numbered years for adjusters). There is no grace period for CE completion.
Options A is premature, C suggests a non-existent grace period, and D is false.
