FLORIDA 6-20 ALL LINES ADJUSTER TEST (2026/2027) –
EXAM QUESTIONS COMPLETE WITH VERIFIED ANSWERS
1. A public adjuster represents the interest of:
A. The insurer
B. The insured
C. The employer
D. The interest of the general public
Correct Answer: B. The insured
Rationale: A public adjuster is hired by and works exclusively for the
policyholder/insured to help them navigate the claims process. Unlike
company adjusters who represent the insurer, public adjusters advocate
for the insured's interests exclusively.
2. Which of the following is the type of report that indicates the initial
results of a claim investigation?
A. Field Report
B. Interim Report
C. Full Report
D. None of the above
Correct Answer: A. Field Report
,Rationale: A Field Report provides the initial findings from a claim
investigation. It contains preliminary observations and information
gathered during the first phase of the claims investigation process.
3. To avoid unfair treatment to a claimant, the adjuster must not:
A. Promptly investigate the claim
B. Follow the laws regarding the number of days in which to commence
an investigation
C. Deny the claim until a fair and prompt investigation has commenced
D. Pay the claim within a reasonable number of days after the final
proof of loss has been received
Correct Answer: C. Deny the claim until a fair and prompt investigation
has commenced
Rationale: Under Florida's Unfair Insurance Trade Practices Act,
adjusters must not deny claims without first conducting a fair and
prompt investigation. Denying a claim before proper investigation
constitutes an unfair claims practice.
4. Which of the following is NOT a claim settlement option?
A. Forcing the insured to sue by offering less than the claim is worth
B. Repairing property
C. Replacing with like kind and quality
D. Replace with new
Correct Answer: A. Forcing the insured to sue by offering less than the
claim is worth
,Rationale: Legitimate claim settlement options include repairing
property, replacing with like kind and quality, and replacing with new.
Offering less than a claim is worth to force litigation is an unfair claims
practice and not a legitimate settlement option.
5. The giving up of a known right is called:
A. Estoppel
B. Violation of policy conditions
C. Rebating
D. Waiver
Correct Answer: D. Waiver
Rationale: Waiver is the intentional and voluntary relinquishment of a
known right. It occurs when an adjuster or insurer knowingly gives up a
right they are entitled to under the policy.
6. An innocent party relies on certain statements made by the adjuster
and is damaged as a result. The guilty party may be legally prohibited
from asserting that the fact does not exist because of:
A. Waiver
B. Estoppel
C. Duties of the adjuster
D. Law of contract
Correct Answer: B. Estoppel
Rationale: Estoppel prevents a party from asserting a fact or right that
contradicts what they previously represented, especially when another
, party has relied on those representations to their detriment. This legal
doctrine protects innocent parties who relied on an adjuster's
statements.
7. Should an insured fail to report a claim in a timely fashion, the
adjuster will usually:
A. Deny the claim
B. Send the insured a reservation of rights letter
C. Cease investigating
D. Seek the advice of the company's attorney
Correct Answer: B. Send the insured a reservation of rights letter
Rationale: When an insured fails to report a claim promptly, the
adjuster typically sends a reservation of rights letter. This document
preserves the insurer's right to later deny coverage based on the delay
while allowing the investigation to proceed.
8. A company adjuster primarily represents the interests of:
A. The insured
B. The claimant
C. The insurer
D. The public
Correct Answer: C. The insurer
Rationale: A company adjuster (also called a staff adjuster) is employed
by and represents the insurance company. Their primary duty is to
protect the insurer's interests while handling claims.
EXAM QUESTIONS COMPLETE WITH VERIFIED ANSWERS
1. A public adjuster represents the interest of:
A. The insurer
B. The insured
C. The employer
D. The interest of the general public
Correct Answer: B. The insured
Rationale: A public adjuster is hired by and works exclusively for the
policyholder/insured to help them navigate the claims process. Unlike
company adjusters who represent the insurer, public adjusters advocate
for the insured's interests exclusively.
2. Which of the following is the type of report that indicates the initial
results of a claim investigation?
A. Field Report
B. Interim Report
C. Full Report
D. None of the above
Correct Answer: A. Field Report
,Rationale: A Field Report provides the initial findings from a claim
investigation. It contains preliminary observations and information
gathered during the first phase of the claims investigation process.
3. To avoid unfair treatment to a claimant, the adjuster must not:
A. Promptly investigate the claim
B. Follow the laws regarding the number of days in which to commence
an investigation
C. Deny the claim until a fair and prompt investigation has commenced
D. Pay the claim within a reasonable number of days after the final
proof of loss has been received
Correct Answer: C. Deny the claim until a fair and prompt investigation
has commenced
Rationale: Under Florida's Unfair Insurance Trade Practices Act,
adjusters must not deny claims without first conducting a fair and
prompt investigation. Denying a claim before proper investigation
constitutes an unfair claims practice.
4. Which of the following is NOT a claim settlement option?
A. Forcing the insured to sue by offering less than the claim is worth
B. Repairing property
C. Replacing with like kind and quality
D. Replace with new
Correct Answer: A. Forcing the insured to sue by offering less than the
claim is worth
,Rationale: Legitimate claim settlement options include repairing
property, replacing with like kind and quality, and replacing with new.
Offering less than a claim is worth to force litigation is an unfair claims
practice and not a legitimate settlement option.
5. The giving up of a known right is called:
A. Estoppel
B. Violation of policy conditions
C. Rebating
D. Waiver
Correct Answer: D. Waiver
Rationale: Waiver is the intentional and voluntary relinquishment of a
known right. It occurs when an adjuster or insurer knowingly gives up a
right they are entitled to under the policy.
6. An innocent party relies on certain statements made by the adjuster
and is damaged as a result. The guilty party may be legally prohibited
from asserting that the fact does not exist because of:
A. Waiver
B. Estoppel
C. Duties of the adjuster
D. Law of contract
Correct Answer: B. Estoppel
Rationale: Estoppel prevents a party from asserting a fact or right that
contradicts what they previously represented, especially when another
, party has relied on those representations to their detriment. This legal
doctrine protects innocent parties who relied on an adjuster's
statements.
7. Should an insured fail to report a claim in a timely fashion, the
adjuster will usually:
A. Deny the claim
B. Send the insured a reservation of rights letter
C. Cease investigating
D. Seek the advice of the company's attorney
Correct Answer: B. Send the insured a reservation of rights letter
Rationale: When an insured fails to report a claim promptly, the
adjuster typically sends a reservation of rights letter. This document
preserves the insurer's right to later deny coverage based on the delay
while allowing the investigation to proceed.
8. A company adjuster primarily represents the interests of:
A. The insured
B. The claimant
C. The insurer
D. The public
Correct Answer: C. The insurer
Rationale: A company adjuster (also called a staff adjuster) is employed
by and represents the insurance company. Their primary duty is to
protect the insurer's interests while handling claims.
