2025 FLORIDA CLAIMS ADJUSTER EXAM LATEST TEST BANK
WITH 450 QUESTIONS AND CORRECT VERIFIED ANSWERS/
FL CLAIMS ADJUSTERS TEST 2025/ FL GENERAL ADJUSTER
Frank owned a home that was destroyed by a hurricane. Both ABC and XYZ Banks were listed as
additional interests on his homeowner policy. The insurance company will make a payment to:
A. The first mortgagee, ABC
B. The Insured
C. Jointly to ABC and XYZ
D. All listed interests - ANSWER-D. All listed interests
Remember that the insurer is not responsible to know the degrees of interest. In the event of a loss,
one payment is made by the insurer and it is up to the additional interests on working out their
share.
Insurance applies separately to each insured as if other insureds did not exist. This is defined as:
A. Severability
B. Conditional
C. Warranty
D. None of the above - ANSWER-A. Severability
What payment covers several areas of costs related to claims, and are payable in addition to the
policy limits?
A. Supplementary
B. Liability
C. Personal Injury
D. All of the Above - ANSWER-A. Supplementary
Generally, all costs of litigation are covered (court costs, prejudgment interest, judgement interest,
cost of bonds to release attachments)
Three full-time employees from a local furniture company are horsing around and one is pushed into
a machine that cut his foot. How will the company's General Liability respond?
A. The Med Pay Section must pay Primary
B. The General Liability Policy will pay up to $20,000 in medical payments
,C. The GL policy will not pay
D. Only property damage is covered under GL policy - ANSWER-C. The GL policy will not pay
Coverage excludes liabilities under Workers Comp or similar law or arising from injuries to employees
of the insured. The employees would have to file through Workers Comp.
Which of the following can be found in a Commercial General Liability Contract?
A. Declarations
B. Common Policy Conditions
C. Occurrence and Claims-Made Forms
D. All of the Above - ANSWER-D. All of the Above
Also included: Nuclear Energy Liability Exclusion endorsement (other endorsements may be
attached)
There is __________ coverage for injury, damage or clean-up costs caused by pollutants, subject to
minor exceptions:
A. 50%
B. 10%
C. 0%
D. A Percentage Ratio - ANSWER-C. 0%
Under a Commercial General Liability Policy, a basic limit of __________ per person applies to
Medical Payments:
A. $1,000
B. $10,000
C. $2,500
D. $5,000 - ANSWER-D. $5,000
Payment is for medical, dental, hospital, and funeral services incurred within one year of date of
accident to persons who suffer bodily injury by accident 1. on or next to insured's owned or rented
premises, or 2. due to insured's operations.
The Commercial General Liability __________ identifies the named insured and address, states the
policy period and premium and miscellaneous information about the insured, and specifies the limits
of coverage that apply.
,A. Declarations
B. Contract
C. Policy
D. None of the Above - ANSWER-A. Declarations
States the pertinent information of the policy
The Nuclear Energy Liability Exclusion endorsement, in general, __________ all hazards related to
nuclear energy.
A. Includes
B. Excludes
C. Prohibits
D. Summarizes - ANSWER-B. Excludes
Firms involved in Nuclear activities receive protection from special insurer pools organized for that
purpose.
Toxic wastes escaped from a gas station disposal tank. The insured operator discovers the leak and
cleans up the spill. Unfortunately, the waste quickly seeped into the ground and has caused illness
among the residents of a neighboring community This is an example of?
A. Loss Known
B. Known Loss
C. Claims-Made
D. None of the Above - ANSWER-B. Known Loss
Insurer should have been notified and further investigation of the spill and effective clean-up would
have been observed.
Applies to BI or PD which occurs during the policy period, regardless of any later time at which a
claim is made:
A. Occurrence Form
B. Claims-Made Form
C. Premises and Operations Exposure
D. None of the Above - ANSWER-A. Occurrence Form
vs. Claims-Made: applies only to BI or PD occurring on or after retroactive date for which claim is
received/recorded during policy period
, Applies only to a BI or PD which occurs on or after the retroactive date, and for which the claim is
received or recorded by an insured or the company during the policy period:
A. Occurrence
B. Claims-Made
C. Operations Completed
D. None of the Above - ANSWER-B. Claims-Made
Retroactive date is stated in Declarations and will normally be same date as issuing company's first
claims-made effective date for insured.
All of the following are components of Workers Compensation, except:
A. Up to $750,000 in Death Benefits
B. Reimbursement for Medical Expenses incurred
C. Reimbursement for lost wages on percentage basis
D. Funeral costs up to $7,500 - ANSWER-A. Up to $750,000 in Death Benefits
Compensation for death is payable if death results within one year of an accident or if it follows
disability within five years of accident.
The following are classes of disability, except:
A. Permanent Total
B. Temporary Total
C. Permanent Impairment
D. Temporary Full - ANSWER-D. Temporary Full
Also included: Temporary Partial
The measure to determine disability benefits is the __________ of the employee at the time of
injury:
A. Average Monthly Wage
B. Average Weekly Wage
C. Average Daily Wage
D. Income Estimate - ANSWER-B. Average Weekly Wage
WITH 450 QUESTIONS AND CORRECT VERIFIED ANSWERS/
FL CLAIMS ADJUSTERS TEST 2025/ FL GENERAL ADJUSTER
Frank owned a home that was destroyed by a hurricane. Both ABC and XYZ Banks were listed as
additional interests on his homeowner policy. The insurance company will make a payment to:
A. The first mortgagee, ABC
B. The Insured
C. Jointly to ABC and XYZ
D. All listed interests - ANSWER-D. All listed interests
Remember that the insurer is not responsible to know the degrees of interest. In the event of a loss,
one payment is made by the insurer and it is up to the additional interests on working out their
share.
Insurance applies separately to each insured as if other insureds did not exist. This is defined as:
A. Severability
B. Conditional
C. Warranty
D. None of the above - ANSWER-A. Severability
What payment covers several areas of costs related to claims, and are payable in addition to the
policy limits?
A. Supplementary
B. Liability
C. Personal Injury
D. All of the Above - ANSWER-A. Supplementary
Generally, all costs of litigation are covered (court costs, prejudgment interest, judgement interest,
cost of bonds to release attachments)
Three full-time employees from a local furniture company are horsing around and one is pushed into
a machine that cut his foot. How will the company's General Liability respond?
A. The Med Pay Section must pay Primary
B. The General Liability Policy will pay up to $20,000 in medical payments
,C. The GL policy will not pay
D. Only property damage is covered under GL policy - ANSWER-C. The GL policy will not pay
Coverage excludes liabilities under Workers Comp or similar law or arising from injuries to employees
of the insured. The employees would have to file through Workers Comp.
Which of the following can be found in a Commercial General Liability Contract?
A. Declarations
B. Common Policy Conditions
C. Occurrence and Claims-Made Forms
D. All of the Above - ANSWER-D. All of the Above
Also included: Nuclear Energy Liability Exclusion endorsement (other endorsements may be
attached)
There is __________ coverage for injury, damage or clean-up costs caused by pollutants, subject to
minor exceptions:
A. 50%
B. 10%
C. 0%
D. A Percentage Ratio - ANSWER-C. 0%
Under a Commercial General Liability Policy, a basic limit of __________ per person applies to
Medical Payments:
A. $1,000
B. $10,000
C. $2,500
D. $5,000 - ANSWER-D. $5,000
Payment is for medical, dental, hospital, and funeral services incurred within one year of date of
accident to persons who suffer bodily injury by accident 1. on or next to insured's owned or rented
premises, or 2. due to insured's operations.
The Commercial General Liability __________ identifies the named insured and address, states the
policy period and premium and miscellaneous information about the insured, and specifies the limits
of coverage that apply.
,A. Declarations
B. Contract
C. Policy
D. None of the Above - ANSWER-A. Declarations
States the pertinent information of the policy
The Nuclear Energy Liability Exclusion endorsement, in general, __________ all hazards related to
nuclear energy.
A. Includes
B. Excludes
C. Prohibits
D. Summarizes - ANSWER-B. Excludes
Firms involved in Nuclear activities receive protection from special insurer pools organized for that
purpose.
Toxic wastes escaped from a gas station disposal tank. The insured operator discovers the leak and
cleans up the spill. Unfortunately, the waste quickly seeped into the ground and has caused illness
among the residents of a neighboring community This is an example of?
A. Loss Known
B. Known Loss
C. Claims-Made
D. None of the Above - ANSWER-B. Known Loss
Insurer should have been notified and further investigation of the spill and effective clean-up would
have been observed.
Applies to BI or PD which occurs during the policy period, regardless of any later time at which a
claim is made:
A. Occurrence Form
B. Claims-Made Form
C. Premises and Operations Exposure
D. None of the Above - ANSWER-A. Occurrence Form
vs. Claims-Made: applies only to BI or PD occurring on or after retroactive date for which claim is
received/recorded during policy period
, Applies only to a BI or PD which occurs on or after the retroactive date, and for which the claim is
received or recorded by an insured or the company during the policy period:
A. Occurrence
B. Claims-Made
C. Operations Completed
D. None of the Above - ANSWER-B. Claims-Made
Retroactive date is stated in Declarations and will normally be same date as issuing company's first
claims-made effective date for insured.
All of the following are components of Workers Compensation, except:
A. Up to $750,000 in Death Benefits
B. Reimbursement for Medical Expenses incurred
C. Reimbursement for lost wages on percentage basis
D. Funeral costs up to $7,500 - ANSWER-A. Up to $750,000 in Death Benefits
Compensation for death is payable if death results within one year of an accident or if it follows
disability within five years of accident.
The following are classes of disability, except:
A. Permanent Total
B. Temporary Total
C. Permanent Impairment
D. Temporary Full - ANSWER-D. Temporary Full
Also included: Temporary Partial
The measure to determine disability benefits is the __________ of the employee at the time of
injury:
A. Average Monthly Wage
B. Average Weekly Wage
C. Average Daily Wage
D. Income Estimate - ANSWER-B. Average Weekly Wage
