WebCE Florida Adjuster Practice Tests Exam
Questions and Answers with Verified
Solutions | Latest Updated 2026
Malcolm Enterprises sustains a D. indirect loss
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
Which of the following is a B. obtaining a license or registration from
requirement to operate as an the
insurance agency in Florida? state
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
,The Department cannot suspend A. failing to meet projected sales goals
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
How do public adjusters primarily A. Public adjusters represent insureds,
differ from staff or independent while
adjusters? other adjusters represent insurers.
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.
,Which of the following activities A. telling clients that an agent holds a
does not violate the insurance chartered financial consultant (ChFC)
code? designation
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
A customer slips and falls on a wet C. special damages
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
, Insurers must keep records of A. five
their insurance transactions for
how many years after the
transaction was completed?
A. five
B. four
C. three
D. two
Steam boiler explosions are B. equipment breakdown policy
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
A liability adjuster has each of the D. to prosecute the party that caused the
following duties EXCEPT: loss
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
Questions and Answers with Verified
Solutions | Latest Updated 2026
Malcolm Enterprises sustains a D. indirect loss
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
Which of the following is a B. obtaining a license or registration from
requirement to operate as an the
insurance agency in Florida? state
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
,The Department cannot suspend A. failing to meet projected sales goals
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
How do public adjusters primarily A. Public adjusters represent insureds,
differ from staff or independent while
adjusters? other adjusters represent insurers.
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.
,Which of the following activities A. telling clients that an agent holds a
does not violate the insurance chartered financial consultant (ChFC)
code? designation
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
A customer slips and falls on a wet C. special damages
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
, Insurers must keep records of A. five
their insurance transactions for
how many years after the
transaction was completed?
A. five
B. four
C. three
D. two
Steam boiler explosions are B. equipment breakdown policy
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
A liability adjuster has each of the D. to prosecute the party that caused the
following duties EXCEPT: loss
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
