Florida Insurance Adjuster Exam Practice
Questions and Answers Updated 2026 |
Complete Florida Adjuster License Study Guide
with Verified Questions, Detailed Rationales,
Claims Handling, Policy Coverage, Insurance
Regulations, Liability Evaluation, Property
Claims, Ethics, Settlement Procedures & State
Licensing Exam Prep
Question 1: Which Florida statute governs the licensing and regulation of insurance adjusters
in the state?
A. Florida Statutes Chapter 624
B. Florida Statutes Chapter 626
C. Florida Statutes Chapter 627
D. Florida Statutes Chapter 631
CORRECT ANSWER: B. Florida Statutes Chapter 626
Rationale: Florida Statutes Chapter 626 specifically addresses insurance agents, adjusters, and
customer representatives, including licensing requirements, continuing education, and disciplinary
procedures. Chapter 624 covers general insurance provisions, Chapter 627 addresses insurance
rates and contracts, and Chapter 631 relates to insurance company insolvency.
Question 2: What is the minimum continuing education requirement for a licensed Florida
insurance adjuster during each two-year licensing period?
A. 12 hours, including 2 hours of ethics
B. 24 hours, including 5 hours of ethics and law updates
C. 20 hours, with no specific ethics requirement
D. 30 hours, including 3 hours of flood insurance
CORRECT ANSWER: B. 24 hours, including 5 hours of ethics and law updates
Rationale: Florida requires licensed adjusters to complete 24 hours of approved continuing education
every two years, with at least 5 hours dedicated to ethics and Florida law updates. This ensures
adjusters remain current on regulatory changes and professional standards.
Question 3: Under Florida law, which of the following activities requires an individual to hold an
active adjuster license?
A. Providing general insurance information to the public
B. Negotiating a settlement on behalf of an insurer for a property damage claim
,C. Working as a claims intake specialist who only records claim details
D. Assisting a policyholder in completing claim forms without offering coverage advice
CORRECT ANSWER: B. Negotiating a settlement on behalf of an insurer for a property damage
claim
Rationale: Florida Statute 626.854 defines adjusting as investigating, negotiating, or settling claims
on behalf of an insurer or insured. Negotiating settlements constitutes adjusting and requires
licensure. Merely recording information or providing forms without advice does not constitute
adjusting under Florida law.
Question 4: Which entity is responsible for administering the Florida Insurance Adjuster
licensing examinations?
A. Florida Department of Financial Services, Division of Agent and Agency Services
B. Florida Office of Insurance Regulation
C. Pearson VUE, under contract with the state
D. National Association of Insurance Commissioners (NAIC)
CORRECT ANSWER: C. Pearson VUE, under contract with the state
Rationale: The Florida Department of Financial Services contracts with Pearson VUE to administer
licensing examinations for insurance adjusters. While the Department oversees licensing policy,
Pearson VUE handles test delivery, scheduling, and scoring.
Question 5: A Florida-licensed independent adjuster receives a referral fee from a public
adjuster for directing a homeowner's claim. This practice is:
A. Permitted if disclosed to the insured
B. Permitted if the fee is under $100
C. Prohibited under Florida insurance law
D. Permitted only with written approval from the Department of Financial Services
CORRECT ANSWER: C. Prohibited under Florida insurance law
Rationale: Florida Statute 626.854(11) expressly prohibits adjusters from paying or receiving
compensation for referrals of claims. This anti-kickback provision protects consumers from conflicts
of interest and ensures claims are handled based on merit, not financial incentives.
Question 6: Which of the following best describes the primary duty of an insurance adjuster in
Florida?
A. To minimize claim payments to protect insurer profitability
B. To advocate exclusively for the policyholder's financial interests
,C. To investigate claims fairly, accurately, and in accordance with policy terms and Florida law
D. To expedite claim closures regardless of coverage determination
CORRECT ANSWER: C. To investigate claims fairly, accurately, and in accordance with policy
terms and Florida law
Rationale: Florida adjusters serve as impartial fact-finders who must evaluate claims objectively
based on policy language, applicable law, and documented evidence. Their duty is to ensure fair
settlements consistent with contractual obligations, not to favor either party improperly.
Question 7: How long is a Florida insurance adjuster license valid before renewal is required?
A. One year
B. Two years
C. Three years
D. Five years
CORRECT ANSWER: B. Two years
Rationale: Florida insurance adjuster licenses expire every two years on the last day of the licensee's
birth month. Renewal requires completion of continuing education and payment of renewal fees
through the Florida Department of Financial Services.
Question 8: Which Florida-specific endorsement is commonly added to homeowners policies to
address hurricane-related windstorm damage?
A. Flood Coverage Endorsement
B. Hurricane Deductible Endorsement
C. Sinkhole Loss Coverage Endorsement
D. Ordinance or Law Coverage Endorsement
CORRECT ANSWER: B. Hurricane Deductible Endorsement
Rationale: Florida homeowners policies often include a separate hurricane deductible, typically
calculated as a percentage of the dwelling coverage (e.g., 2%, 5%, or 10%), which applies specifically
to damage caused by hurricanes as defined by the National Weather Service. This is mandated under
Florida Statute 627.7015.
Question 9: Under Florida law, what is the statutory timeframe for an insurer to acknowledge
receipt of a property insurance claim?
A. Within 5 business days
B. Within 10 business days
C. Within 14 calendar days
D. Within 30 calendar days
, CORRECT ANSWER: C. Within 14 calendar days
Rationale: Florida Statute 627.70131 requires insurers to acknowledge receipt of a property
insurance claim within 14 calendar days. This acknowledgment must include necessary claim forms,
instructions, and contact information to assist the policyholder in the claims process.
Question 10: Which of the following is NOT a requirement to obtain a Florida 6-20 All Lines
Adjuster License?
A. Passing the state licensing examination
B. Completing a state-approved pre-licensing education course
C. Submitting fingerprints for a background check
D. Holding a bachelor's degree in insurance or finance
CORRECT ANSWER: D. Holding a bachelor's degree in insurance or finance
Rationale: Florida does not require a college degree for adjuster licensure. Requirements include
being at least 18 years old, completing pre-licensing education (40 hours for 6-20 license), passing
the state exam, and submitting to a background check via fingerprints. Educational degrees are not
mandated.
Question 11: In Florida, what is the maximum civil penalty the Department of Financial Services
may impose for a single violation of insurance adjuster regulations?
A. $1,000
B. $2,500
C. $5,000
D. $10,000
CORRECT ANSWER: C. $5,000
Rationale: Under Florida Statute 626.225, the Department may impose administrative fines up to
$5,000 per violation for adjusters who breach licensing laws, ethical standards, or claims handling
regulations. Penalties may be higher for willful or repeated violations.
Question 12: Which Florida statute requires insurers to provide a written explanation when
denying a property insurance claim?
A. Florida Statute 627.4265
B. Florida Statute 627.70131
C. Florida Statute 626.9541
D. Florida Statute 624.451
CORRECT ANSWER: A. Florida Statute 627.4265
Questions and Answers Updated 2026 |
Complete Florida Adjuster License Study Guide
with Verified Questions, Detailed Rationales,
Claims Handling, Policy Coverage, Insurance
Regulations, Liability Evaluation, Property
Claims, Ethics, Settlement Procedures & State
Licensing Exam Prep
Question 1: Which Florida statute governs the licensing and regulation of insurance adjusters
in the state?
A. Florida Statutes Chapter 624
B. Florida Statutes Chapter 626
C. Florida Statutes Chapter 627
D. Florida Statutes Chapter 631
CORRECT ANSWER: B. Florida Statutes Chapter 626
Rationale: Florida Statutes Chapter 626 specifically addresses insurance agents, adjusters, and
customer representatives, including licensing requirements, continuing education, and disciplinary
procedures. Chapter 624 covers general insurance provisions, Chapter 627 addresses insurance
rates and contracts, and Chapter 631 relates to insurance company insolvency.
Question 2: What is the minimum continuing education requirement for a licensed Florida
insurance adjuster during each two-year licensing period?
A. 12 hours, including 2 hours of ethics
B. 24 hours, including 5 hours of ethics and law updates
C. 20 hours, with no specific ethics requirement
D. 30 hours, including 3 hours of flood insurance
CORRECT ANSWER: B. 24 hours, including 5 hours of ethics and law updates
Rationale: Florida requires licensed adjusters to complete 24 hours of approved continuing education
every two years, with at least 5 hours dedicated to ethics and Florida law updates. This ensures
adjusters remain current on regulatory changes and professional standards.
Question 3: Under Florida law, which of the following activities requires an individual to hold an
active adjuster license?
A. Providing general insurance information to the public
B. Negotiating a settlement on behalf of an insurer for a property damage claim
,C. Working as a claims intake specialist who only records claim details
D. Assisting a policyholder in completing claim forms without offering coverage advice
CORRECT ANSWER: B. Negotiating a settlement on behalf of an insurer for a property damage
claim
Rationale: Florida Statute 626.854 defines adjusting as investigating, negotiating, or settling claims
on behalf of an insurer or insured. Negotiating settlements constitutes adjusting and requires
licensure. Merely recording information or providing forms without advice does not constitute
adjusting under Florida law.
Question 4: Which entity is responsible for administering the Florida Insurance Adjuster
licensing examinations?
A. Florida Department of Financial Services, Division of Agent and Agency Services
B. Florida Office of Insurance Regulation
C. Pearson VUE, under contract with the state
D. National Association of Insurance Commissioners (NAIC)
CORRECT ANSWER: C. Pearson VUE, under contract with the state
Rationale: The Florida Department of Financial Services contracts with Pearson VUE to administer
licensing examinations for insurance adjusters. While the Department oversees licensing policy,
Pearson VUE handles test delivery, scheduling, and scoring.
Question 5: A Florida-licensed independent adjuster receives a referral fee from a public
adjuster for directing a homeowner's claim. This practice is:
A. Permitted if disclosed to the insured
B. Permitted if the fee is under $100
C. Prohibited under Florida insurance law
D. Permitted only with written approval from the Department of Financial Services
CORRECT ANSWER: C. Prohibited under Florida insurance law
Rationale: Florida Statute 626.854(11) expressly prohibits adjusters from paying or receiving
compensation for referrals of claims. This anti-kickback provision protects consumers from conflicts
of interest and ensures claims are handled based on merit, not financial incentives.
Question 6: Which of the following best describes the primary duty of an insurance adjuster in
Florida?
A. To minimize claim payments to protect insurer profitability
B. To advocate exclusively for the policyholder's financial interests
,C. To investigate claims fairly, accurately, and in accordance with policy terms and Florida law
D. To expedite claim closures regardless of coverage determination
CORRECT ANSWER: C. To investigate claims fairly, accurately, and in accordance with policy
terms and Florida law
Rationale: Florida adjusters serve as impartial fact-finders who must evaluate claims objectively
based on policy language, applicable law, and documented evidence. Their duty is to ensure fair
settlements consistent with contractual obligations, not to favor either party improperly.
Question 7: How long is a Florida insurance adjuster license valid before renewal is required?
A. One year
B. Two years
C. Three years
D. Five years
CORRECT ANSWER: B. Two years
Rationale: Florida insurance adjuster licenses expire every two years on the last day of the licensee's
birth month. Renewal requires completion of continuing education and payment of renewal fees
through the Florida Department of Financial Services.
Question 8: Which Florida-specific endorsement is commonly added to homeowners policies to
address hurricane-related windstorm damage?
A. Flood Coverage Endorsement
B. Hurricane Deductible Endorsement
C. Sinkhole Loss Coverage Endorsement
D. Ordinance or Law Coverage Endorsement
CORRECT ANSWER: B. Hurricane Deductible Endorsement
Rationale: Florida homeowners policies often include a separate hurricane deductible, typically
calculated as a percentage of the dwelling coverage (e.g., 2%, 5%, or 10%), which applies specifically
to damage caused by hurricanes as defined by the National Weather Service. This is mandated under
Florida Statute 627.7015.
Question 9: Under Florida law, what is the statutory timeframe for an insurer to acknowledge
receipt of a property insurance claim?
A. Within 5 business days
B. Within 10 business days
C. Within 14 calendar days
D. Within 30 calendar days
, CORRECT ANSWER: C. Within 14 calendar days
Rationale: Florida Statute 627.70131 requires insurers to acknowledge receipt of a property
insurance claim within 14 calendar days. This acknowledgment must include necessary claim forms,
instructions, and contact information to assist the policyholder in the claims process.
Question 10: Which of the following is NOT a requirement to obtain a Florida 6-20 All Lines
Adjuster License?
A. Passing the state licensing examination
B. Completing a state-approved pre-licensing education course
C. Submitting fingerprints for a background check
D. Holding a bachelor's degree in insurance or finance
CORRECT ANSWER: D. Holding a bachelor's degree in insurance or finance
Rationale: Florida does not require a college degree for adjuster licensure. Requirements include
being at least 18 years old, completing pre-licensing education (40 hours for 6-20 license), passing
the state exam, and submitting to a background check via fingerprints. Educational degrees are not
mandated.
Question 11: In Florida, what is the maximum civil penalty the Department of Financial Services
may impose for a single violation of insurance adjuster regulations?
A. $1,000
B. $2,500
C. $5,000
D. $10,000
CORRECT ANSWER: C. $5,000
Rationale: Under Florida Statute 626.225, the Department may impose administrative fines up to
$5,000 per violation for adjusters who breach licensing laws, ethical standards, or claims handling
regulations. Penalties may be higher for willful or repeated violations.
Question 12: Which Florida statute requires insurers to provide a written explanation when
denying a property insurance claim?
A. Florida Statute 627.4265
B. Florida Statute 627.70131
C. Florida Statute 626.9541
D. Florida Statute 624.451
CORRECT ANSWER: A. Florida Statute 627.4265
