Florida 3-20 Public Adjusters State Exam (Set 1) | 140 Questions | 2026/2027 DFS Aligned
FLORIDA 3-20 PUBLIC ADJUSTERS STATE EXAM (SET 1)
140 QUESTIONS | 11 PAGES | 2026/2027 EDITION
Aligned with Florida Department of Financial Services (DFS) 3-20 Public Adjuster Licensing Requirements, Florida Statutes
(Chapters 626, 627), Florida Administrative Code (Chapter 69B), and Public Adjuster Professional Standards (2026/2027
Edition).
Section 1: Licensing Requirements & Eligibility
Q1: Under Florida DFS rules, what is the minimum age requirement to apply for a 3-20 Public Adjuster license?
A. 16 years of age
B. 18 years of age *[CORRECT]*
C. 21 years of age
D. 25 years of age
Correct Answer: B
Rationale: Florida statutes require applicants to be at least 18 years old. Options A, C, and D reflect common misreadings of the age threshold;
the 18-year floor aligns with most other Florida insurance license categories.
Q2: Which of the following correctly states the Florida residency requirement for a 3-20 Public Adjuster applicant?
A. Must be born in the State of Florida
B. Must be a Florida resident OR maintain a principal place of business in Florida *[CORRECT]*
C. Must own real property in Florida for at least 5 years
D. Must have continuously resided in Florida for the previous 10 years
Correct Answer: B
Rationale: Florida law requires either Florida residency or maintenance of a principal place of business in Florida. Birthplace, property
ownership, and tenure requirements are not statutory prerequisites under Chapter 626.
Q3: What citizenship or work-authorization status is required of a 3-20 Public Adjuster applicant?
A. Must be a U.S. citizen only
B. Must be a U.S. citizen OR a legal alien with work authorization *[CORRECT]*
C. No citizenship or work-authorization requirement exists
D. Must hold a permanent resident card (green card) only
Correct Answer: B
Rationale: Florida accepts either U.S. citizenship or lawful alien status with documented work authorization. Option A is too restrictive, Option
C is incorrect, and Option D excludes legal aliens with valid work authorization.
Q4: Which Florida license MUST an applicant hold BEFORE applying for the 3-20 Public Adjuster license?
A. 2-20 General Lines Agent license
B. 6-20 All-Lines Adjuster license *[CORRECT]*
C. 4-40 Customer Representative license
D. No prerequisite license is required
Correct Answer: B
Rationale: The 6-20 All-Lines Adjuster license is the mandatory prerequisite. A 2-20 agent license authorizes selling, not adjusting; a 4-40
representative license is for customer service work and does not satisfy the prerequisite.
Q5: What is the MINIMUM period a candidate must serve as a Public Adjuster Apprentice before applying for the 3-20 license?
A. 3 consecutive months
B. 6 consecutive months *[CORRECT]*
C. 12 consecutive months
D. 24 consecutive months
Correct Answer: B
Rationale: Florida requires at least 6 consecutive months of apprenticeship under a licensed 3-20 Public Adjuster. Shorter periods (A) are
insufficient, and longer periods (C, D) exceed the statutory minimum.
Q6: What is the surety bond amount required for a 3-20 Public Adjuster license?
A. $25,000
B. $50,000 *[CORRECT]*
C. $100,000
D. $250,000
Florida 3-20 Public Adjuster Licensing Examination - 2026/2027 Edition Page 1
,Florida 3-20 Public Adjusters State Exam (Set 1) | 140 Questions | 2026/2027 DFS Aligned
Correct Answer: B
Rationale: Florida requires a $50,000 surety bond. The bond protects clients against adjuster misconduct. Smaller amounts do not satisfy
statutory minimums; larger amounts, while permissible, are not mandated.
Q7: Which vendor administers the Florida 3-20 Public Adjuster state licensing examination?
A. Prometric
B. PSI Services LLC
C. Pearson VUE *[CORRECT]*
D. Florida DFS directly administers the exam
Correct Answer: C
Rationale: Florida contracts with Pearson VUE to deliver the 3-20 exam at approved testing centers. Prometric and PSI are used in other states;
DFS does not administer exams directly.
Q8: What is the minimum passing score on the Florida 3-20 Public Adjuster state examination?
A. 60%
B. 65%
C. 70% *[CORRECT]*
D. 75%
Correct Answer: C
Rationale: A scaled score equivalent to 70% is required to pass. Lower thresholds do not meet DFS standards, and 75% exceeds the statutory
minimum.
Q9: Which range most accurately reflects the typical out-of-pocket costs to obtain a 3-20 Public Adjuster license (education,
application, bond, exam, fingerprinting)?
A. $200 to $500
B. $500 to $1,000
C. $1,000 to $2,500 *[CORRECT]*
D. $5,000 to $10,000
Correct Answer: C
Rationale: When pre-licensing education, application fees, the $50,000 bond premium, exam fees, and fingerprinting are combined, costs
typically fall between $1,000 and $2,500. Lower ranges omit the bond premium; the highest range overstates typical costs.
Q10: Which Florida state agency receives and adjudicates the 3-20 Public Adjuster license application?
A. Florida Department of Insurance
B. Florida Department of Financial Services (DFS) *[CORRECT]*
C. Florida Office of Insurance Regulation (OIR)
D. Florida Attorney General's Office
Correct Answer: B
Rationale: DFS has sole authority over adjuster licensing. OIR regulates insurers and forms; the Department of Insurance no longer exists as a
standalone agency; the Attorney General does not license adjusters.
Q11: Which background-investigation elements are required as part of the 3-20 application process?
A. Credit check only
B. Fingerprinting and a criminal background check *[CORRECT]*
C. Driving record only
D. No background check is required
Correct Answer: B
Rationale: Applicants must submit fingerprints for a state and federal criminal history check. A credit check alone is insufficient, and a driving
record is not the focus of the inquiry.
Q12: During the apprenticeship period, how must the apprentice conduct adjusting work?
A. The apprentice may work completely independently
B. The apprentice must work under the supervision of a licensed 3-20 Public Adjuster *[CORRECT]*
C. The apprentice may work under any licensed insurance agent
D. The apprentice must work under a licensed Florida attorney
Correct Answer: B
Rationale: Apprentices must be sponsored and supervised by a licensed 3-20 Public Adjuster. Independent work, supervision by agents, or
supervision by attorneys does not satisfy the statutory apprenticeship requirement.
Q13: How many apprentices may a single 3-20 Public Adjuster supervise at one time under Florida rule?
Florida 3-20 Public Adjuster Licensing Examination - 2026/2027 Edition Page 2
, Florida 3-20 Public Adjusters State Exam (Set 1) | 140 Questions | 2026/2027 DFS Aligned
A. 1
B. 3
C. Maximum of 3 apprentices at one time *[CORRECT]*
D. Unlimited
Correct Answer: C
Rationale: Florida Administrative Code limits a 3-20 Public Adjuster to supervising no more than 3 apprentices simultaneously. This safeguard
prevents apprentices from being used as unsupervised labor.
Q14: What is the maximum duration a Public Adjuster Apprentice license may remain valid?
A. 6 months
B. 12 months
C. 18 months
D. Up to 24 months, renewable only with DFS approval *[CORRECT]*
Correct Answer: D
Rationale: An apprentice license may be valid up to 24 months and is renewable only with DFS approval. This window allows sufficient time to
complete the 6-month minimum apprenticeship and apply for the full 3-20 license.
Q15: Which statement best describes the pre-licensing education requirement for the 3-20 Public Adjuster license?
A. No education is required
B. A 40-hour pre-licensing course is recommended but not state-mandated for licensure *[CORRECT]*
C. A 200-hour DFS-approved course is mandatory
D. A four-year college degree is required
Correct Answer: B
Rationale: Florida does not statutorily mandate a specific pre-licensing course hour count for 3-20 applicants, but completion of a recommended
40-hour course is strongly advised to pass the Pearson VUE exam.
Q16: When may a 6-20 All-Lines Adjuster legally perform public adjusting work without first obtaining a 3-20 license?
A. Never
B. Only when adjusting hurricane claims
C. Only when appointed and supervised as a Public Adjuster Apprentice under a licensed 3-20 holder *[CORRECT]*
D. Always, because the 6-20 license covers all adjusting
Correct Answer: C
Rationale: A 6-20 holder may only perform public adjusting work as a registered apprentice under a 3-20 sponsor. Holding a 6-20 alone does not
authorize independent representation of insureds against their insurers.
Q17: What is the renewal cycle for a Florida 3-20 Public Adjuster license?
A. Annually
B. Biennially (every 2 years) *[CORRECT]*
C. Triennially (every 3 years)
D. Every 5 years
Correct Answer: B
Rationale: Public adjuster licenses renew biennially. Annual renewal would burden licensees; triennial or 5-year cycles do not align with DFS
compliance checkpoints.
Q18: What continuing education (CE) requirement applies to a 3-20 Public Adjuster during each compliance period?
A. No CE is required
B. 24 hours every 2 years, including 3 hours of ethics *[CORRECT]*
C. 40 hours annually
D. 60 hours every 4 years
Correct Answer: B
Rationale: Florida requires 24 hours of CE every 2 years, including 3 hours of ethics. Annual 40-hour or 60-hour quadrennial requirements are
not consistent with Florida's CE rules for public adjusters.
Q19: On what date does a Florida 3-20 Public Adjuster license typically expire?
A. The last day of the licensee's birth month
B. December 31 of each year
C. February 28 (or 29) of even-numbered years *[CORRECT]*
D. June 30 of odd-numbered years
Correct Answer: C
Florida 3-20 Public Adjuster Licensing Examination - 2026/2027 Edition Page 3
FLORIDA 3-20 PUBLIC ADJUSTERS STATE EXAM (SET 1)
140 QUESTIONS | 11 PAGES | 2026/2027 EDITION
Aligned with Florida Department of Financial Services (DFS) 3-20 Public Adjuster Licensing Requirements, Florida Statutes
(Chapters 626, 627), Florida Administrative Code (Chapter 69B), and Public Adjuster Professional Standards (2026/2027
Edition).
Section 1: Licensing Requirements & Eligibility
Q1: Under Florida DFS rules, what is the minimum age requirement to apply for a 3-20 Public Adjuster license?
A. 16 years of age
B. 18 years of age *[CORRECT]*
C. 21 years of age
D. 25 years of age
Correct Answer: B
Rationale: Florida statutes require applicants to be at least 18 years old. Options A, C, and D reflect common misreadings of the age threshold;
the 18-year floor aligns with most other Florida insurance license categories.
Q2: Which of the following correctly states the Florida residency requirement for a 3-20 Public Adjuster applicant?
A. Must be born in the State of Florida
B. Must be a Florida resident OR maintain a principal place of business in Florida *[CORRECT]*
C. Must own real property in Florida for at least 5 years
D. Must have continuously resided in Florida for the previous 10 years
Correct Answer: B
Rationale: Florida law requires either Florida residency or maintenance of a principal place of business in Florida. Birthplace, property
ownership, and tenure requirements are not statutory prerequisites under Chapter 626.
Q3: What citizenship or work-authorization status is required of a 3-20 Public Adjuster applicant?
A. Must be a U.S. citizen only
B. Must be a U.S. citizen OR a legal alien with work authorization *[CORRECT]*
C. No citizenship or work-authorization requirement exists
D. Must hold a permanent resident card (green card) only
Correct Answer: B
Rationale: Florida accepts either U.S. citizenship or lawful alien status with documented work authorization. Option A is too restrictive, Option
C is incorrect, and Option D excludes legal aliens with valid work authorization.
Q4: Which Florida license MUST an applicant hold BEFORE applying for the 3-20 Public Adjuster license?
A. 2-20 General Lines Agent license
B. 6-20 All-Lines Adjuster license *[CORRECT]*
C. 4-40 Customer Representative license
D. No prerequisite license is required
Correct Answer: B
Rationale: The 6-20 All-Lines Adjuster license is the mandatory prerequisite. A 2-20 agent license authorizes selling, not adjusting; a 4-40
representative license is for customer service work and does not satisfy the prerequisite.
Q5: What is the MINIMUM period a candidate must serve as a Public Adjuster Apprentice before applying for the 3-20 license?
A. 3 consecutive months
B. 6 consecutive months *[CORRECT]*
C. 12 consecutive months
D. 24 consecutive months
Correct Answer: B
Rationale: Florida requires at least 6 consecutive months of apprenticeship under a licensed 3-20 Public Adjuster. Shorter periods (A) are
insufficient, and longer periods (C, D) exceed the statutory minimum.
Q6: What is the surety bond amount required for a 3-20 Public Adjuster license?
A. $25,000
B. $50,000 *[CORRECT]*
C. $100,000
D. $250,000
Florida 3-20 Public Adjuster Licensing Examination - 2026/2027 Edition Page 1
,Florida 3-20 Public Adjusters State Exam (Set 1) | 140 Questions | 2026/2027 DFS Aligned
Correct Answer: B
Rationale: Florida requires a $50,000 surety bond. The bond protects clients against adjuster misconduct. Smaller amounts do not satisfy
statutory minimums; larger amounts, while permissible, are not mandated.
Q7: Which vendor administers the Florida 3-20 Public Adjuster state licensing examination?
A. Prometric
B. PSI Services LLC
C. Pearson VUE *[CORRECT]*
D. Florida DFS directly administers the exam
Correct Answer: C
Rationale: Florida contracts with Pearson VUE to deliver the 3-20 exam at approved testing centers. Prometric and PSI are used in other states;
DFS does not administer exams directly.
Q8: What is the minimum passing score on the Florida 3-20 Public Adjuster state examination?
A. 60%
B. 65%
C. 70% *[CORRECT]*
D. 75%
Correct Answer: C
Rationale: A scaled score equivalent to 70% is required to pass. Lower thresholds do not meet DFS standards, and 75% exceeds the statutory
minimum.
Q9: Which range most accurately reflects the typical out-of-pocket costs to obtain a 3-20 Public Adjuster license (education,
application, bond, exam, fingerprinting)?
A. $200 to $500
B. $500 to $1,000
C. $1,000 to $2,500 *[CORRECT]*
D. $5,000 to $10,000
Correct Answer: C
Rationale: When pre-licensing education, application fees, the $50,000 bond premium, exam fees, and fingerprinting are combined, costs
typically fall between $1,000 and $2,500. Lower ranges omit the bond premium; the highest range overstates typical costs.
Q10: Which Florida state agency receives and adjudicates the 3-20 Public Adjuster license application?
A. Florida Department of Insurance
B. Florida Department of Financial Services (DFS) *[CORRECT]*
C. Florida Office of Insurance Regulation (OIR)
D. Florida Attorney General's Office
Correct Answer: B
Rationale: DFS has sole authority over adjuster licensing. OIR regulates insurers and forms; the Department of Insurance no longer exists as a
standalone agency; the Attorney General does not license adjusters.
Q11: Which background-investigation elements are required as part of the 3-20 application process?
A. Credit check only
B. Fingerprinting and a criminal background check *[CORRECT]*
C. Driving record only
D. No background check is required
Correct Answer: B
Rationale: Applicants must submit fingerprints for a state and federal criminal history check. A credit check alone is insufficient, and a driving
record is not the focus of the inquiry.
Q12: During the apprenticeship period, how must the apprentice conduct adjusting work?
A. The apprentice may work completely independently
B. The apprentice must work under the supervision of a licensed 3-20 Public Adjuster *[CORRECT]*
C. The apprentice may work under any licensed insurance agent
D. The apprentice must work under a licensed Florida attorney
Correct Answer: B
Rationale: Apprentices must be sponsored and supervised by a licensed 3-20 Public Adjuster. Independent work, supervision by agents, or
supervision by attorneys does not satisfy the statutory apprenticeship requirement.
Q13: How many apprentices may a single 3-20 Public Adjuster supervise at one time under Florida rule?
Florida 3-20 Public Adjuster Licensing Examination - 2026/2027 Edition Page 2
, Florida 3-20 Public Adjusters State Exam (Set 1) | 140 Questions | 2026/2027 DFS Aligned
A. 1
B. 3
C. Maximum of 3 apprentices at one time *[CORRECT]*
D. Unlimited
Correct Answer: C
Rationale: Florida Administrative Code limits a 3-20 Public Adjuster to supervising no more than 3 apprentices simultaneously. This safeguard
prevents apprentices from being used as unsupervised labor.
Q14: What is the maximum duration a Public Adjuster Apprentice license may remain valid?
A. 6 months
B. 12 months
C. 18 months
D. Up to 24 months, renewable only with DFS approval *[CORRECT]*
Correct Answer: D
Rationale: An apprentice license may be valid up to 24 months and is renewable only with DFS approval. This window allows sufficient time to
complete the 6-month minimum apprenticeship and apply for the full 3-20 license.
Q15: Which statement best describes the pre-licensing education requirement for the 3-20 Public Adjuster license?
A. No education is required
B. A 40-hour pre-licensing course is recommended but not state-mandated for licensure *[CORRECT]*
C. A 200-hour DFS-approved course is mandatory
D. A four-year college degree is required
Correct Answer: B
Rationale: Florida does not statutorily mandate a specific pre-licensing course hour count for 3-20 applicants, but completion of a recommended
40-hour course is strongly advised to pass the Pearson VUE exam.
Q16: When may a 6-20 All-Lines Adjuster legally perform public adjusting work without first obtaining a 3-20 license?
A. Never
B. Only when adjusting hurricane claims
C. Only when appointed and supervised as a Public Adjuster Apprentice under a licensed 3-20 holder *[CORRECT]*
D. Always, because the 6-20 license covers all adjusting
Correct Answer: C
Rationale: A 6-20 holder may only perform public adjusting work as a registered apprentice under a 3-20 sponsor. Holding a 6-20 alone does not
authorize independent representation of insureds against their insurers.
Q17: What is the renewal cycle for a Florida 3-20 Public Adjuster license?
A. Annually
B. Biennially (every 2 years) *[CORRECT]*
C. Triennially (every 3 years)
D. Every 5 years
Correct Answer: B
Rationale: Public adjuster licenses renew biennially. Annual renewal would burden licensees; triennial or 5-year cycles do not align with DFS
compliance checkpoints.
Q18: What continuing education (CE) requirement applies to a 3-20 Public Adjuster during each compliance period?
A. No CE is required
B. 24 hours every 2 years, including 3 hours of ethics *[CORRECT]*
C. 40 hours annually
D. 60 hours every 4 years
Correct Answer: B
Rationale: Florida requires 24 hours of CE every 2 years, including 3 hours of ethics. Annual 40-hour or 60-hour quadrennial requirements are
not consistent with Florida's CE rules for public adjusters.
Q19: On what date does a Florida 3-20 Public Adjuster license typically expire?
A. The last day of the licensee's birth month
B. December 31 of each year
C. February 28 (or 29) of even-numbered years *[CORRECT]*
D. June 30 of odd-numbered years
Correct Answer: C
Florida 3-20 Public Adjuster Licensing Examination - 2026/2027 Edition Page 3
