Florida Adjuster Licensing Practice
Exam Q&A 100% Solved | Graded A+
A claim in the property/casualty industry Is defined as: - ✔✔an assertion of
an alleged legal right against a person, entity, company or insurer that
carries with it a demand for money as compensation for injuries or
damages
when you purchase insurance, you are buying: - ✔✔peace of mind that if
an insured event does occur, that the insurance company will keep its
promise and provide the financial protection that you purchased
in today's society, the most important factor in the purchase of insurance is:
- ✔✔trust
One of the most important claim handling goals of an insurance company
is: - ✔✔to help those who have been injured or who have suffered loss for
which the insured is responsible, while at the same time minimizing loss for
the insured party and carrier
what is the primary difference between a company employee adjuster and
an independent adjuster - ✔✔a company employee adjuster works for an
1
©NINJANERD 2025/2026. YEAR PUBLISHED 2025.
, insurance company and an independent adjuster works independently for
themselves or for adjusting firms who represent many clients
an adjuster's responsibility as a fiduciary means: - ✔✔the adjuster
represents, and controls, the property and financial interests of the client to
whom he/she owes a high degree of loyalty and good faith
the basic and primary functions of an adjuster are: - ✔✔investigating,
evaluating, reporting, negotiating and disposing of claims
once an adjuster is licensed, he or she must maintain a continuing
education requirement. What is that adjuster's compliance requirement in
order to retain a license? - ✔✔an adjuster must complete 24 hours of
continuing education in every 2 year compliance period, of which 5 hours
must be taken in a properly certified 5 hour law and ethics update course
the adjuster's code of ethics starts with a basic premise which states: -
✔✔the work of adjusting engages the public trust
Which of the following would NOT be a preferred claims practice or
behavior under FL Unfair Insurance Trade Practices Act? - ✔✔Not
responding to an insured calls because you haven't made up your mind
what are the four critical elements of a contract? - ✔✔1. agreement to
terms (must understand what is given and received)
2
©NINJANERD 2025/2026. YEAR PUBLISHED 2025.
Exam Q&A 100% Solved | Graded A+
A claim in the property/casualty industry Is defined as: - ✔✔an assertion of
an alleged legal right against a person, entity, company or insurer that
carries with it a demand for money as compensation for injuries or
damages
when you purchase insurance, you are buying: - ✔✔peace of mind that if
an insured event does occur, that the insurance company will keep its
promise and provide the financial protection that you purchased
in today's society, the most important factor in the purchase of insurance is:
- ✔✔trust
One of the most important claim handling goals of an insurance company
is: - ✔✔to help those who have been injured or who have suffered loss for
which the insured is responsible, while at the same time minimizing loss for
the insured party and carrier
what is the primary difference between a company employee adjuster and
an independent adjuster - ✔✔a company employee adjuster works for an
1
©NINJANERD 2025/2026. YEAR PUBLISHED 2025.
, insurance company and an independent adjuster works independently for
themselves or for adjusting firms who represent many clients
an adjuster's responsibility as a fiduciary means: - ✔✔the adjuster
represents, and controls, the property and financial interests of the client to
whom he/she owes a high degree of loyalty and good faith
the basic and primary functions of an adjuster are: - ✔✔investigating,
evaluating, reporting, negotiating and disposing of claims
once an adjuster is licensed, he or she must maintain a continuing
education requirement. What is that adjuster's compliance requirement in
order to retain a license? - ✔✔an adjuster must complete 24 hours of
continuing education in every 2 year compliance period, of which 5 hours
must be taken in a properly certified 5 hour law and ethics update course
the adjuster's code of ethics starts with a basic premise which states: -
✔✔the work of adjusting engages the public trust
Which of the following would NOT be a preferred claims practice or
behavior under FL Unfair Insurance Trade Practices Act? - ✔✔Not
responding to an insured calls because you haven't made up your mind
what are the four critical elements of a contract? - ✔✔1. agreement to
terms (must understand what is given and received)
2
©NINJANERD 2025/2026. YEAR PUBLISHED 2025.
