FLORIDA CERTIFIED ADJUSTER
PRACTICE EXAM NEWEST 2026/2027
ACTUAL EXAM| REAL EXAM
QUESTIONS AND CORRECT
ANSWERS (VERIFIED ANSWERS)
ALREADY GRADED A+|| NEW!!
1. Janemhasm$150,000mhomeownersmpolicymwithmam3%mpercentagemdeductible.mOnemnight,mI
nmovenmfiremdestroysmhermkitchen,mcausingm$50,000minmdamage.mHowmmuchmofmthemdama
gemfallsmundermJanesmresponsibility?m-mCORRECTmANSWERm$4,500
2. Xaviermownsmamsmallminsurancemcompany.mRecentlymthemcompanymwantmtombidmtomensure
mamnewmhousingmdevelopmentminmOmaha,mNebraska.mHismcompanymcanmhandlemanymclaim
smthatmarise,mbutmifmamseriesmofmtornadoesmweremtomtearmthroughmthemareamandmdestroymt
hementiremdevelopment,mXavier'smcompanymwouldmsuffermfinancially.mWhichmtypemofminsur
emcouldmhelpmXavier'smcompanymprotectmitselfmthemmostmfrommthismpotentialmloss?m-
mCORRECTmANSWERmAmre-insurer
3. WhichmofmthemfollowingmsituationsmdoesmNOTminvolvemanminstancemofm"puremrisk?"m-
mCORRECTmANSWERmLossmofmmoneyminvestedminmthemstockmmarket
4. Whichmofmthemfollowingmismanminsurablemrisk?m-mCORRECTmANSWERmAmfootballmstadium
5. AmlightningmstrikemcausesmonemofmthosemstoragembuildingsmonmJohn'smfarmmtomburnmtomthe
mground,maddedmbymthemfuelmtanksmhemkeptminmthembuilding.mJohnmknowsmhemwasn'tmsupp
osedmtomstoremanymfuelminmthembuilding,msomhemkeptmthatmpiecemofminformationmtomhimself
mwhenmhemfilesmamclaim.mJohn'smensuremmademandmImhismclaimmbasedmonmhis:m-
mCORRECTmANSWERmConcealment
,6. Chainmshedmburnedmtomthemgroundmduringmamtornado,mwhenmthemHighwindsmbreakmamwall
mofmthemshed,mknockingmovermamlanternminside.mWhatmismthemproximatemcausemofmthemloss?
m-mCORRECTmANSWERmWind
7. KevinmplaysminmambrassmbandmusingmtwomraremantiquemAlexandermtubas.mSincemtheymaremno
mlongermproduced,mthemvaluemofmthemtubasmismdifficultmtomdetermine.mWhichmtypemofmpolic
ymwouldmbestmindemnifymKevinminmthismeventmthatmhismtwomboysmweremdamaged,mlost,morm
stolen?m-mCORRECTmANSWERmAgreedmvaluempolicy
8. Whichmsettlementmoptionmismmostmoftenmusemwhenmthemclaimantmmissesmworkmbecausemo
fmambodilyminjury,mbutmamsettlementmhasmnotmbeenmreached?m-
mCORRECTmANSWERmAdvancempaymentmsettlement
9. AdjustermAndymismtryingmtomdeterminemamfinalmsettlementmamountmformStacy'smclaim.mStac
y'smhousemwasmdestroyedminmamhousemfiremandmitmwillmcostm$185,000mtomrebuildmit.mStacy's
mhomeownermpolicymhasmamlimitmofm$178,000mandm$1800mdeductible.mTypically,mhowmmuc
hmwouldmadjustermAndymcalculatemStacy'smfinalmsettlementmamountmtombem-
mCORRECTmANSWERm$178,000
10. StephaniemisminmthemprocessmofmaddressingmGeorge'smautomclaim.mCurrentlymshemismintervi
ewingmShana,mwhomwitnessedmGeorge'smaccidentmandmstoppedmtomhelp.mInmwhatmstagemof
mthemclaimmprocessmismStephaniemcurrentlymworking?m-mCORRECTmANSWERmInvestigation
11. Ifmamclaimantmhasmamhistorymofmsimilarmclaims,mthatmcouldmmean:m-
mCORRECTmANSWERmItmismimportantmtominvestigatemformfraud
12. Ifmanminsurermismunwillingmtompaymwhatmthemclaimantmismasking,mthemadjustermmust:m-
mCORRECTmANSWERmNegotiatemamsettlement
13. Anminsurancemadjustermactsmasmamfiduciarymagentmformhermemployer.mWhichmofmthemfollowi
ngmstatementsmismFALSEmaboutmthemadjuster'smrolemasmamfiduciarymagent?m-
, mCORRECTmANSWERmThemadjustermmaymnotmgivemthemclaimantmmaterialsmshowingmhowmh
emcamemupmwithmthemsettlementmamount
14. Amstaffmadjustermisma:m-
mCORRECTmANSWERmSalariedmemployeemworkingmformonlymoneminsurer
15. Marlenemhasmbeenmlivingminmherm$120,000mhomemform31myears.mBecausemshemhasmpaidmoff
mthemmortgage,mshemdecidesmtomsavemsomemmoneymonmhermmonthlyminsurancempremiums
mbymreducingmhermhomeownersmcoveragemtom$40,000.mAftermamseveremhailmstormmtotalsmh
ermroof,mhermadjustermestimatesmthemdamagematm$12,000.mAssumingmtheminsuremimposesm
themstandardmcoinsurancempenalty,mandmignoringmthemdeductible,mhowmmuchmwillmMarlen
emreceiveminmthemsettlementmamount?m-mCORRECTmANSWERm$5,000
16. CraigmhasmanmHO-
3mpolicymcoveringmhismprimarymresidencemwithmamCoveragemAmlimitmofm$250,000,mCoverag
emBmlimitmofm$25,000,mandmamCoveragemCmlimitmofm$150,000.mCraigmalsomhasmamcabinmonmth
emlake,mwhichmwasmburglarized.mThemthievesmstolemmuchmofmthemcabin'smcontents,mformamt
otalmlossmofm$18,500.mIgnoringmanymdeductibles,mhowmmuchmwillmCraig'smHO-
3mpolicympaymformthismclaim?m-mCORRECTmANSWERm$15,000
17. Stanmbuiltmamporchmformhismhomemthreemyearsmagomatmamcostmofm$10,000.mThemvaluemofmth
emporchmhasmdepreciatedmbym$6,000,mandmitmwouldmcostm$12,000mtomreplacemitmtoday.mAft
ermStan'smporchmburntmdownmduringmamBBQmtoday,mhowmmuchmwouldmamStandardmFiremPol
icymindemnifymStanmformhismporch?m-mCORRECTmANSWERm$6,000
18. WhichmofmthemfollowingmstatementsmismNOTmtruemofmendorsements?m-
mCORRECTmANSWERmAndmendorsedmpolicymwillmalwaysmprovidemmoremcoveragemthanmanm
unendorsedmpolicy
19. Inmamdwellingmpolicy,mhowmmuchmwillmthemFiremDepartmentmServicemchargemcoveragempay
?m-
PRACTICE EXAM NEWEST 2026/2027
ACTUAL EXAM| REAL EXAM
QUESTIONS AND CORRECT
ANSWERS (VERIFIED ANSWERS)
ALREADY GRADED A+|| NEW!!
1. Janemhasm$150,000mhomeownersmpolicymwithmam3%mpercentagemdeductible.mOnemnight,mI
nmovenmfiremdestroysmhermkitchen,mcausingm$50,000minmdamage.mHowmmuchmofmthemdama
gemfallsmundermJanesmresponsibility?m-mCORRECTmANSWERm$4,500
2. Xaviermownsmamsmallminsurancemcompany.mRecentlymthemcompanymwantmtombidmtomensure
mamnewmhousingmdevelopmentminmOmaha,mNebraska.mHismcompanymcanmhandlemanymclaim
smthatmarise,mbutmifmamseriesmofmtornadoesmweremtomtearmthroughmthemareamandmdestroymt
hementiremdevelopment,mXavier'smcompanymwouldmsuffermfinancially.mWhichmtypemofminsur
emcouldmhelpmXavier'smcompanymprotectmitselfmthemmostmfrommthismpotentialmloss?m-
mCORRECTmANSWERmAmre-insurer
3. WhichmofmthemfollowingmsituationsmdoesmNOTminvolvemanminstancemofm"puremrisk?"m-
mCORRECTmANSWERmLossmofmmoneyminvestedminmthemstockmmarket
4. Whichmofmthemfollowingmismanminsurablemrisk?m-mCORRECTmANSWERmAmfootballmstadium
5. AmlightningmstrikemcausesmonemofmthosemstoragembuildingsmonmJohn'smfarmmtomburnmtomthe
mground,maddedmbymthemfuelmtanksmhemkeptminmthembuilding.mJohnmknowsmhemwasn'tmsupp
osedmtomstoremanymfuelminmthembuilding,msomhemkeptmthatmpiecemofminformationmtomhimself
mwhenmhemfilesmamclaim.mJohn'smensuremmademandmImhismclaimmbasedmonmhis:m-
mCORRECTmANSWERmConcealment
,6. Chainmshedmburnedmtomthemgroundmduringmamtornado,mwhenmthemHighwindsmbreakmamwall
mofmthemshed,mknockingmovermamlanternminside.mWhatmismthemproximatemcausemofmthemloss?
m-mCORRECTmANSWERmWind
7. KevinmplaysminmambrassmbandmusingmtwomraremantiquemAlexandermtubas.mSincemtheymaremno
mlongermproduced,mthemvaluemofmthemtubasmismdifficultmtomdetermine.mWhichmtypemofmpolic
ymwouldmbestmindemnifymKevinminmthismeventmthatmhismtwomboysmweremdamaged,mlost,morm
stolen?m-mCORRECTmANSWERmAgreedmvaluempolicy
8. Whichmsettlementmoptionmismmostmoftenmusemwhenmthemclaimantmmissesmworkmbecausemo
fmambodilyminjury,mbutmamsettlementmhasmnotmbeenmreached?m-
mCORRECTmANSWERmAdvancempaymentmsettlement
9. AdjustermAndymismtryingmtomdeterminemamfinalmsettlementmamountmformStacy'smclaim.mStac
y'smhousemwasmdestroyedminmamhousemfiremandmitmwillmcostm$185,000mtomrebuildmit.mStacy's
mhomeownermpolicymhasmamlimitmofm$178,000mandm$1800mdeductible.mTypically,mhowmmuc
hmwouldmadjustermAndymcalculatemStacy'smfinalmsettlementmamountmtombem-
mCORRECTmANSWERm$178,000
10. StephaniemisminmthemprocessmofmaddressingmGeorge'smautomclaim.mCurrentlymshemismintervi
ewingmShana,mwhomwitnessedmGeorge'smaccidentmandmstoppedmtomhelp.mInmwhatmstagemof
mthemclaimmprocessmismStephaniemcurrentlymworking?m-mCORRECTmANSWERmInvestigation
11. Ifmamclaimantmhasmamhistorymofmsimilarmclaims,mthatmcouldmmean:m-
mCORRECTmANSWERmItmismimportantmtominvestigatemformfraud
12. Ifmanminsurermismunwillingmtompaymwhatmthemclaimantmismasking,mthemadjustermmust:m-
mCORRECTmANSWERmNegotiatemamsettlement
13. Anminsurancemadjustermactsmasmamfiduciarymagentmformhermemployer.mWhichmofmthemfollowi
ngmstatementsmismFALSEmaboutmthemadjuster'smrolemasmamfiduciarymagent?m-
, mCORRECTmANSWERmThemadjustermmaymnotmgivemthemclaimantmmaterialsmshowingmhowmh
emcamemupmwithmthemsettlementmamount
14. Amstaffmadjustermisma:m-
mCORRECTmANSWERmSalariedmemployeemworkingmformonlymoneminsurer
15. Marlenemhasmbeenmlivingminmherm$120,000mhomemform31myears.mBecausemshemhasmpaidmoff
mthemmortgage,mshemdecidesmtomsavemsomemmoneymonmhermmonthlyminsurancempremiums
mbymreducingmhermhomeownersmcoveragemtom$40,000.mAftermamseveremhailmstormmtotalsmh
ermroof,mhermadjustermestimatesmthemdamagematm$12,000.mAssumingmtheminsuremimposesm
themstandardmcoinsurancempenalty,mandmignoringmthemdeductible,mhowmmuchmwillmMarlen
emreceiveminmthemsettlementmamount?m-mCORRECTmANSWERm$5,000
16. CraigmhasmanmHO-
3mpolicymcoveringmhismprimarymresidencemwithmamCoveragemAmlimitmofm$250,000,mCoverag
emBmlimitmofm$25,000,mandmamCoveragemCmlimitmofm$150,000.mCraigmalsomhasmamcabinmonmth
emlake,mwhichmwasmburglarized.mThemthievesmstolemmuchmofmthemcabin'smcontents,mformamt
otalmlossmofm$18,500.mIgnoringmanymdeductibles,mhowmmuchmwillmCraig'smHO-
3mpolicympaymformthismclaim?m-mCORRECTmANSWERm$15,000
17. Stanmbuiltmamporchmformhismhomemthreemyearsmagomatmamcostmofm$10,000.mThemvaluemofmth
emporchmhasmdepreciatedmbym$6,000,mandmitmwouldmcostm$12,000mtomreplacemitmtoday.mAft
ermStan'smporchmburntmdownmduringmamBBQmtoday,mhowmmuchmwouldmamStandardmFiremPol
icymindemnifymStanmformhismporch?m-mCORRECTmANSWERm$6,000
18. WhichmofmthemfollowingmstatementsmismNOTmtruemofmendorsements?m-
mCORRECTmANSWERmAndmendorsedmpolicymwillmalwaysmprovidemmoremcoveragemthanmanm
unendorsedmpolicy
19. Inmamdwellingmpolicy,mhowmmuchmwillmthemFiremDepartmentmServicemchargemcoveragempay
?m-
