2026 FL Public Adjuster 3-20 License Exam Prep Study Guide | Florida Insurance Claims Adjusting, Laws, and Ethics Review | High-Yield Practice Questions with Detailed Explanations, Florida Statutes and Administrative Code, Property and Casualty Claims, P

2026 FL Public Adjuster 3-20 License Exam Prep Study Guide | Florida Insurance Claims Adjusting, Laws, and Ethics Review | High-Yield Practice Questions with Detailed Explanations, Florida Statutes and Administrative Code, Property and Casualty Claims, P Question 1 What is the primary role of a public adjuster in Florida? A) To represent insurance companies B) To assist policyholders in filing insurance claims C) To sell insurance policies D) To provide legal advice Correct Answer: B --- Question 2 In Florida, which of the following is a requirement to become a licensed public adjuster? A) A high school diploma B) Completion of a 40-hour course and passing an exam C) Previous experience as an insurance agent D) A bachelor’s degree in business Correct Answer: B --- Question 3 What is the maximum percentage a public adjuster can charge as a fee for claims services on non-liquidated claims in Florida? A) 5% B) 10% C) 15% D) There is no maximum limit Correct Answer: C --- Question 4 When can a public adjuster collect a fee from a policyholder? A) Only after the claim is paid B) At any time, regardless of payment status C) Only before the claim is submitted D) If authorized in writing by the policyholder Correct Answer: D --- Question 5 What must a public adjuster do if they receive a commission from the insurance company? A) They must inform the policyholder B) They are not required to disclose this information C) They can keep this information private D) They must return the commission Correct Answer: A --- Question 6 What is required for a public adjuster to renew their license in Florida? A) Passing a new exam B) Completing continuing education requirements C) Obtaining a new bond D) Submitting a new application Correct Answer: B --- Question 7 What is the primary purpose of the Florida Department of Financial Services in relation to public adjusters? A) To sell insurance products B) To oversee and regulate public adjusters C) To process insurance claims D) To resolve disputes between companies Correct Answer: B --- Question 8 In what scenario can a public adjuster charge a contingency fee? A) When they work on a flat rate B) When they have a written contract with the policyholder C) Only if approved by the insurance company D) In all situations, regardless of agreement Correct Answer: B --- Question 9 What act governs the practices of public adjusters in Florida? A) The Florida Insurance Code B) The Public Adjuster Licensing Act C) The Insurance Settlement Practices Act D) The Fair Claims Settlement Practices Act Correct Answer: B --- Question 10 Which of the following is a typical service provided by a public adjuster? A) Selling insurance policies B) Offering legal representation C) Estimating the damage to property D) Acting as a claims adjuster for the insurance company Correct Answer: C --- Question 11 How should a public adjuster handle a complaint from a client regarding service? A) Ignore the complaint B) Refer them to the insurance company C) Address the complaint promptly and follow up D) Blame the insurance company for any issues Correct Answer: C --- Question 12 What documents must a public adjuster provide to their client at the time of contract signing? A) A copy of their resume B) A summary of claims handling procedures C) A copy of their license and contract terms D) An insurance policy Correct Answer: C --- Question 13 What is one of the significant benefits of hiring a public adjuster for a policyholder? A) They eliminate all out-of-pocket expenses B) They ensure a quicker resolution of claims C) They focus solely on reducing insurance premiums D) They provide unlimited legal services at no charge Correct Answer: B --- PART 2 — NEW QUESTIONS Question 14 Which Florida statute primarily governs the conduct and licensing of public adjusters? A) Chapter 626, Part VI B) Chapter 627, Part I C) Chapter 631, Part III D) Chapter 634, Part II Correct Answer: A --- Question 15 A public adjuster's contract with a policyholder must include all of the following EXCEPT: A) The name and license number of the adjuster B) The specific services to be provided C) A guarantee of the claim settlement amount D) The fee structure and payment terms Correct Answer: C --- Question 16 Under Florida law, a public adjuster is prohibited from: A) Soliciting business during a state of emergency for a specified period B) Advertising their services online C) Charging a fee for an initial consultation D) Working on residential and commercial claims Correct Answer: A --- Question 17 What is the minimum age requirement to obtain a public adjuster license in Florida? A) 18 years old B) 21 years old C) 25 years old D) No minimum age requirement Correct Answer: A --- Question 18 A public adjuster's license must be displayed: A) Only at their primary place of business B) In a wallet for easy access C) In a conspicuous location in their office D) On their website Correct Answer: C --- Question 19 If a public adjuster is convicted of a felony, what is the most likely consequence? A) A fine only B) A suspension or revocation of their license C) Mandatory continuing education D) A temporary ban on solicitation Correct Answer: B --- Question 20 For a residential claim, what is the maximum fee a public adjuster can charge for services related to a claim that is not settled? A) 10% B) 15% C) 20% D) A flat fee agreed upon in writing Correct Answer: B