FL Adjuster Exam (WebCE) questions and
answers well verified @2026
Malcolm Enterprises sustains a serious fire loss to its factory. Operations are suspended for several
weeks while repairs are made. During this time, Malcolm Enterprises cannot produce the goods they sell
and will lose considerable income. How would you describe the loss of income?
A. proximate loss
B. direct loss
C. covered loss
D. indirect loss - ANSWERS💫✔️-D. indirect loss
Which of the following is a requirement to operate as an insurance agency in Florida?
A. appointment of at least two agents to manage the agency
B. obtaining a license or registration from the state
C. submitting an application and appointing the Office as its agent for service of process
D. having transacted insurance in Florida for at least two years before applying for a license -
ANSWERS💫✔️-B. obtaining a license or registration from the state
The Department cannot suspend or revoke an adjuster's license for which of the following reasons?
A. failing to meet projected sales goals
B. violating the Code of Ethics
C. engaging in rebating
D. intentionally violating the insurance laws - ANSWERS💫✔️-A. failing to meet projected sales goals
How do public adjusters primarily differ from staff or independent adjusters?
,A. Public adjusters represent insureds, while other adjusters represent insurers.
B. Public adjusters are government employees.
C. Public adjusters work only with claims below a certain value.
D. Public adjusters specialize in certain claims. - ANSWERS💫✔️-A. Public adjusters represent insureds,
while other adjusters represent insurers.
Which of the following activities does not violate the insurance code?
A. telling clients that an agent holds a chartered financial consultant (ChFC) designation
B. offering to share a commission if a client buys several insurance policies
C. charging a fee that is more than the premium stated in the policy
D. telling clients that an agent is certified to provide specialized financial advice to senior citizens -
ANSWERS💫✔️-A. telling clients that an agent holds a chartered financial consultant (ChFC) designation
A customer slips and falls on a wet floor in a store, and incurs damages consisting of emergency room
charges, doctor bills, X-rays, and lost earnings from her job when she couldn't work for two weeks. All of
these are examples of:
A. general damages
B. punitive damages
C. special damages
D. speculative damages - ANSWERS💫✔️-C. special damages
Insurers must keep records of their insurance transactions for how many years after the transaction was
completed?
A. five
B. four
C. three
D. two - ANSWERS💫✔️-A. five
,Steam boiler explosions are covered under which of the following types of property insurance policies?
A. mechanical breakdown policy
B. equipment breakdown policy
C. flood insurance policy
D. ordinance or law endorsement - ANSWERS💫✔️-B. equipment breakdown policy
A liability adjuster has each of the following duties EXCEPT:
A. to protect the insured
B. to treat the claimant fairly
C. to represent the interests of the insurer
D. to prosecute the party that caused the loss - ANSWERS💫✔️-D. to prosecute the party that caused the
loss
BBX Insurers terminated Henry's appointment as its adjuster on December 1. How long will Henry
remain eligible to be appointed as an adjuster by another insurer?
A. 12 months
B. 24 months
C. 36 months
D. 48 months - ANSWERS💫✔️-D. 48 months
To avoid the appearance of practicing law, a claims adjuster's communications with an insured should
always be
A. limited to interpretations of the policy
B. reviewed by an attorney
C. limited to the wording of the policy
, D. supported by references to the law - ANSWERS💫✔️-C. limited to the wording of the policy
When dealing with insurance policies, a producer's false statement of material fact is called a:
A. misrepresentation
B. fraudulent representation
C. act of concealment
D. false promise - ANSWERS💫✔️-A. misrepresentation
Insurance companies and policyholders rely on the honesty and disclosures of the other party when
negotiating the sale of insurance policies, which is why insurance policies are considered to be contracts
of:
A. actuarial principles
B. utmost good faith
C. honest representation
D. insured integrity - ANSWERS💫✔️-B. utmost good faith
In a property insurance policy, another term for peril is:
A. physical hazard
B. moral hazard
C. cause of loss
D. morale hazard - ANSWERS💫✔️-C. cause of loss
All of the following are described in the cancellation provision in property and casualty insurance
policies EXCEPT:
A. why the policy may be canceled
B. who may cancel the policy
answers well verified @2026
Malcolm Enterprises sustains a serious fire loss to its factory. Operations are suspended for several
weeks while repairs are made. During this time, Malcolm Enterprises cannot produce the goods they sell
and will lose considerable income. How would you describe the loss of income?
A. proximate loss
B. direct loss
C. covered loss
D. indirect loss - ANSWERS💫✔️-D. indirect loss
Which of the following is a requirement to operate as an insurance agency in Florida?
A. appointment of at least two agents to manage the agency
B. obtaining a license or registration from the state
C. submitting an application and appointing the Office as its agent for service of process
D. having transacted insurance in Florida for at least two years before applying for a license -
ANSWERS💫✔️-B. obtaining a license or registration from the state
The Department cannot suspend or revoke an adjuster's license for which of the following reasons?
A. failing to meet projected sales goals
B. violating the Code of Ethics
C. engaging in rebating
D. intentionally violating the insurance laws - ANSWERS💫✔️-A. failing to meet projected sales goals
How do public adjusters primarily differ from staff or independent adjusters?
,A. Public adjusters represent insureds, while other adjusters represent insurers.
B. Public adjusters are government employees.
C. Public adjusters work only with claims below a certain value.
D. Public adjusters specialize in certain claims. - ANSWERS💫✔️-A. Public adjusters represent insureds,
while other adjusters represent insurers.
Which of the following activities does not violate the insurance code?
A. telling clients that an agent holds a chartered financial consultant (ChFC) designation
B. offering to share a commission if a client buys several insurance policies
C. charging a fee that is more than the premium stated in the policy
D. telling clients that an agent is certified to provide specialized financial advice to senior citizens -
ANSWERS💫✔️-A. telling clients that an agent holds a chartered financial consultant (ChFC) designation
A customer slips and falls on a wet floor in a store, and incurs damages consisting of emergency room
charges, doctor bills, X-rays, and lost earnings from her job when she couldn't work for two weeks. All of
these are examples of:
A. general damages
B. punitive damages
C. special damages
D. speculative damages - ANSWERS💫✔️-C. special damages
Insurers must keep records of their insurance transactions for how many years after the transaction was
completed?
A. five
B. four
C. three
D. two - ANSWERS💫✔️-A. five
,Steam boiler explosions are covered under which of the following types of property insurance policies?
A. mechanical breakdown policy
B. equipment breakdown policy
C. flood insurance policy
D. ordinance or law endorsement - ANSWERS💫✔️-B. equipment breakdown policy
A liability adjuster has each of the following duties EXCEPT:
A. to protect the insured
B. to treat the claimant fairly
C. to represent the interests of the insurer
D. to prosecute the party that caused the loss - ANSWERS💫✔️-D. to prosecute the party that caused the
loss
BBX Insurers terminated Henry's appointment as its adjuster on December 1. How long will Henry
remain eligible to be appointed as an adjuster by another insurer?
A. 12 months
B. 24 months
C. 36 months
D. 48 months - ANSWERS💫✔️-D. 48 months
To avoid the appearance of practicing law, a claims adjuster's communications with an insured should
always be
A. limited to interpretations of the policy
B. reviewed by an attorney
C. limited to the wording of the policy
, D. supported by references to the law - ANSWERS💫✔️-C. limited to the wording of the policy
When dealing with insurance policies, a producer's false statement of material fact is called a:
A. misrepresentation
B. fraudulent representation
C. act of concealment
D. false promise - ANSWERS💫✔️-A. misrepresentation
Insurance companies and policyholders rely on the honesty and disclosures of the other party when
negotiating the sale of insurance policies, which is why insurance policies are considered to be contracts
of:
A. actuarial principles
B. utmost good faith
C. honest representation
D. insured integrity - ANSWERS💫✔️-B. utmost good faith
In a property insurance policy, another term for peril is:
A. physical hazard
B. moral hazard
C. cause of loss
D. morale hazard - ANSWERS💫✔️-C. cause of loss
All of the following are described in the cancellation provision in property and casualty insurance
policies EXCEPT:
A. why the policy may be canceled
B. who may cancel the policy
