©THESTAR 2024/2025 ALL RIGHTS RESERVED 3:09PM.
Florida Public Adjuster State Test Exam
Questions And Answers |Latest 2025 |
Guaranteed Pass.
Florida No-Fault Tort Exemption - Answer✔Those who comply with the law are granted limited
immunity from suits of others through PIP coverage.
4 Exceptions to Tort Exemption(Threshold of No-Fault) - Answer✔1. Significant and Permanent
loss of bodily function.
2.Permanent injury other than scarring and disfigurement.
3.Significant and Permanent scarring or disfigurement.
4.Death
What does NFIP stand for? - Answer✔National Flood Insurance Program
Form SR-22 - Answer✔Drivers Convicted of DUI or a traffic felony over the prior 3 years are
required to have 100/300/50 coverage or a certificate of self insurance of $350,000.
Contents of a CGL Contract - Answer✔1.Declarations Form
2.Common Policy Conditions Form
3. One of:
A.Occurrence Form
B.Claims Made Form
4.Nuclear Energy Liability Exclusion Endorsement.
Declarations of a CGL Contract(4) - Answer✔1.Named Insured(including address)
2.Policy Period
3.Premium
1
, ©THESTAR 2024/2025 ALL RIGHTS RESERVED 3:09PM.
4.Limits of Coverage
7 Common CGL Conditions - Answer✔1.Cancellation(30 Days by insurer option, 10 Days By no
payment).
2.Changes
3.Examination of Books
4.Inspections and Surveys
5.Premiums
6.Transfer
7.Nuclear Endorsement
CGL Coverage A - Answer✔Bodily Injury and Property Damage Insuring Agreement
The 3 Conditions that define work as "completed" - Answer✔1.When all work called for in the
contract is completed.
2.When all work to be done at the site has been completed if one contract calls for work at
more than one site.
3.When that part of the work done at a job site has been put to its intended use by any person
or organization other than another contractor or subcontractor.
Occurance - Answer✔An accident, including continuous or repeated exposure to substantially
the same general harmful conditions.
accident - Answer✔Sudden, unexpected event
The Difference between "Occurance" and "Claims Made" CGL Coverages - Answer✔The
Coverage Trigger:
The Occurance Form applies to BI and PD regardless of any later time at which the claim is
made.
The Claims-Made Form applies only to BI and PD that occurs on or after the "Retro-Active
date"
Retro-Active Date - Answer✔The date on which the coverage legally began.
Basic Extended Reporting Period for CGL - Answer✔60 Days after expiration
Why is the term "Coverage Trigger" misleading? - Answer✔Because it intends to refer to the
time period during which the insurance contract is in effect.
2
Florida Public Adjuster State Test Exam
Questions And Answers |Latest 2025 |
Guaranteed Pass.
Florida No-Fault Tort Exemption - Answer✔Those who comply with the law are granted limited
immunity from suits of others through PIP coverage.
4 Exceptions to Tort Exemption(Threshold of No-Fault) - Answer✔1. Significant and Permanent
loss of bodily function.
2.Permanent injury other than scarring and disfigurement.
3.Significant and Permanent scarring or disfigurement.
4.Death
What does NFIP stand for? - Answer✔National Flood Insurance Program
Form SR-22 - Answer✔Drivers Convicted of DUI or a traffic felony over the prior 3 years are
required to have 100/300/50 coverage or a certificate of self insurance of $350,000.
Contents of a CGL Contract - Answer✔1.Declarations Form
2.Common Policy Conditions Form
3. One of:
A.Occurrence Form
B.Claims Made Form
4.Nuclear Energy Liability Exclusion Endorsement.
Declarations of a CGL Contract(4) - Answer✔1.Named Insured(including address)
2.Policy Period
3.Premium
1
, ©THESTAR 2024/2025 ALL RIGHTS RESERVED 3:09PM.
4.Limits of Coverage
7 Common CGL Conditions - Answer✔1.Cancellation(30 Days by insurer option, 10 Days By no
payment).
2.Changes
3.Examination of Books
4.Inspections and Surveys
5.Premiums
6.Transfer
7.Nuclear Endorsement
CGL Coverage A - Answer✔Bodily Injury and Property Damage Insuring Agreement
The 3 Conditions that define work as "completed" - Answer✔1.When all work called for in the
contract is completed.
2.When all work to be done at the site has been completed if one contract calls for work at
more than one site.
3.When that part of the work done at a job site has been put to its intended use by any person
or organization other than another contractor or subcontractor.
Occurance - Answer✔An accident, including continuous or repeated exposure to substantially
the same general harmful conditions.
accident - Answer✔Sudden, unexpected event
The Difference between "Occurance" and "Claims Made" CGL Coverages - Answer✔The
Coverage Trigger:
The Occurance Form applies to BI and PD regardless of any later time at which the claim is
made.
The Claims-Made Form applies only to BI and PD that occurs on or after the "Retro-Active
date"
Retro-Active Date - Answer✔The date on which the coverage legally began.
Basic Extended Reporting Period for CGL - Answer✔60 Days after expiration
Why is the term "Coverage Trigger" misleading? - Answer✔Because it intends to refer to the
time period during which the insurance contract is in effect.
2
