FLORIDA ADJUSTER LICENSING EXAM ACTUAL
EXAM 2025 | ALL QUESTIONS AND CORRECT
ANSWERS | ALREADY GRADED A+ | LATEST
EXAM | VERIFIED ANSWERS
Diana is insured under a DP-2 policy with the following coverage limits:
Coverage A - $150,000, Coverage B - $15,000, and Coverage C - $25,000.
She and her fiancé have planned a destination wedding, but their hotel
catches fire shortly after their arrival. Smoke from the fire damages all of
their belongings, including Diana's $4,000 wedding dress. Diana's loss
totals $5,200. When she files a claim with her insurance company, how
much can she expect to receive for this loss under her DP-2 (ignoring any
deductible)?
$1,500
$0
$2,500
$5,200 ---------CORRECT ANSWER-----------------$2,500
Lightning strikes one of Christy's trees in her backyard and starts a fire that
spreads to two other trees before firefighters are able to put it out. The fire
department charges her $600 for responding to her call. Christy's DP-2
policy has a Coverage A limit of $95,000. What is the maximum amount of
indemnification that Christy can expect to receive for this loss (ignoring any
deductible)?
$2,000
$500
$4,750
$1,500 ---------CORRECT ANSWER-----------------$2,000
Both Steve and his wife, Arlene, carry DP-2 policies on their $135,000
home. Steve's policy has a limit of $110,000 and Arlene's has a $25,000
,limit, and both policies pay on a pro rata basis. After a hailstorm causes
$13,000 in damage to their roof, how much of the damage will be covered
by Steve's policy (ignoring any deductible)?
$10,400
$9,630
$13,000
$2,600 ---------CORRECT ANSWER-----------------$10,400
Tamara is fully insured by a DP-1 on her $175,000 home. When a portion
of Tamara's attached garage burns in a small fire, the adjuster estimates it
will take $8,000 to repair the damage. However, based on the age of the
structure, the adjuster writes Tamara a check for $5,500. Once repairs are
completed, Tamara submits
proof and receives how much more from her insurer?
$1,750
$0
$2,500
$1,500 ---------CORRECT ANSWER-----------------$0
Cameron is fully insured by a DP-2 on his $130,000 home. His monthly
mortgage payment is $775 per month, and he usually pays $400 per month
in groceries. When a kitchen fire damages his house, causing
$61,000 in damage, he forced to move out for a month while the repairs
can be made. Cameron's hotel bill for the month comes to $1,250 and he
spends $600 eating at restaurants. Based only on this information, how
much indemnification can Cameron expect to receive for this claim?
Coverage A - $62,250; Coverage E - $600
Coverage A - $61,000; Coverage E - $1,450
Coverage A - $60,225; Coverage E - $1,250
Coverage A - $61,000; Coverage E - $1,850 ---------CORRECT ANSWER--
---------------Coverage A - $61,000; Coverage E - $1,450
,Which of the following would be covered under Coverage A in a dwelling
policy?
Gas furnace in the basement
Building materials that will be used to construct a storage shed
Damage to the land
Construction tools next to the dwelling ---------CORRECT ANSWER-----------
------Gas furnace in the basement
After a loss covered under a dwelling policy, Ordinance or Law coverage
pays for:
any change that decreases the value of the property.
confiscation of property by the government.
remediation of pollutants.
increased repair costs due to laws or codes. ---------CORRECT ANSWER---
--------------increased repair costs due to laws or codes.
Which of the following may be covered under a DP-3?
Power failure on the premises
Earthquake
Water backup from sewers
Flood ---------CORRECT ANSWER-----------------Power failure on the
premises
In a dwelling policy, how much will the Fire Department Service Charge
coverage pay?
Up to $750 if the fire department charges for responding to a covered peril
75% of the bill charged by the fire department for responding to a covered
peril (after the deductible has
, been met)
Up to $500 if the fire department charges for responding to a covered peril
50% of the bill charged by the fire department for responding to a covered
peril ---------CORRECT ANSWER-----------------Up to $500 if the fire
department charges for responding to a covered peril
During a strong storm, Missy's grain drill was mangled by a tornado, which
rendered it useless. Before the
damage, the grain drill was worth $25,000, but it would cost $45,000 to buy
a new one today. Missy's farm
policy has a replacement cost endorsement, and the grain drill is scheduled
on a Mobile Agricultural
Machinery and Equipment form with a $36,000 limit. Missy replaces her
grain drill with one she found on
sale for $40,000. How much total indemnification will she receive?
$25,000
$36,000
$45,000
$40,000 ---------CORRECT ANSWER-----------------$36,000
When discussing farm insurance, which of the following most accurately
describes "scheduled property"?
Excluded coverage
Blanket coverage
Excluded property
Itemized property ---------CORRECT ANSWER-----------------Itemized
property
Farmer Bob would like to sell his recent harvest of lettuce to a local
wholesaler. The wholesaler agrees, but only if Bob can prove he has
insurance protection in the event that his lettuce causes people to become
ill. What type of insurance does Bob need in this situation?
EXAM 2025 | ALL QUESTIONS AND CORRECT
ANSWERS | ALREADY GRADED A+ | LATEST
EXAM | VERIFIED ANSWERS
Diana is insured under a DP-2 policy with the following coverage limits:
Coverage A - $150,000, Coverage B - $15,000, and Coverage C - $25,000.
She and her fiancé have planned a destination wedding, but their hotel
catches fire shortly after their arrival. Smoke from the fire damages all of
their belongings, including Diana's $4,000 wedding dress. Diana's loss
totals $5,200. When she files a claim with her insurance company, how
much can she expect to receive for this loss under her DP-2 (ignoring any
deductible)?
$1,500
$0
$2,500
$5,200 ---------CORRECT ANSWER-----------------$2,500
Lightning strikes one of Christy's trees in her backyard and starts a fire that
spreads to two other trees before firefighters are able to put it out. The fire
department charges her $600 for responding to her call. Christy's DP-2
policy has a Coverage A limit of $95,000. What is the maximum amount of
indemnification that Christy can expect to receive for this loss (ignoring any
deductible)?
$2,000
$500
$4,750
$1,500 ---------CORRECT ANSWER-----------------$2,000
Both Steve and his wife, Arlene, carry DP-2 policies on their $135,000
home. Steve's policy has a limit of $110,000 and Arlene's has a $25,000
,limit, and both policies pay on a pro rata basis. After a hailstorm causes
$13,000 in damage to their roof, how much of the damage will be covered
by Steve's policy (ignoring any deductible)?
$10,400
$9,630
$13,000
$2,600 ---------CORRECT ANSWER-----------------$10,400
Tamara is fully insured by a DP-1 on her $175,000 home. When a portion
of Tamara's attached garage burns in a small fire, the adjuster estimates it
will take $8,000 to repair the damage. However, based on the age of the
structure, the adjuster writes Tamara a check for $5,500. Once repairs are
completed, Tamara submits
proof and receives how much more from her insurer?
$1,750
$0
$2,500
$1,500 ---------CORRECT ANSWER-----------------$0
Cameron is fully insured by a DP-2 on his $130,000 home. His monthly
mortgage payment is $775 per month, and he usually pays $400 per month
in groceries. When a kitchen fire damages his house, causing
$61,000 in damage, he forced to move out for a month while the repairs
can be made. Cameron's hotel bill for the month comes to $1,250 and he
spends $600 eating at restaurants. Based only on this information, how
much indemnification can Cameron expect to receive for this claim?
Coverage A - $62,250; Coverage E - $600
Coverage A - $61,000; Coverage E - $1,450
Coverage A - $60,225; Coverage E - $1,250
Coverage A - $61,000; Coverage E - $1,850 ---------CORRECT ANSWER--
---------------Coverage A - $61,000; Coverage E - $1,450
,Which of the following would be covered under Coverage A in a dwelling
policy?
Gas furnace in the basement
Building materials that will be used to construct a storage shed
Damage to the land
Construction tools next to the dwelling ---------CORRECT ANSWER-----------
------Gas furnace in the basement
After a loss covered under a dwelling policy, Ordinance or Law coverage
pays for:
any change that decreases the value of the property.
confiscation of property by the government.
remediation of pollutants.
increased repair costs due to laws or codes. ---------CORRECT ANSWER---
--------------increased repair costs due to laws or codes.
Which of the following may be covered under a DP-3?
Power failure on the premises
Earthquake
Water backup from sewers
Flood ---------CORRECT ANSWER-----------------Power failure on the
premises
In a dwelling policy, how much will the Fire Department Service Charge
coverage pay?
Up to $750 if the fire department charges for responding to a covered peril
75% of the bill charged by the fire department for responding to a covered
peril (after the deductible has
, been met)
Up to $500 if the fire department charges for responding to a covered peril
50% of the bill charged by the fire department for responding to a covered
peril ---------CORRECT ANSWER-----------------Up to $500 if the fire
department charges for responding to a covered peril
During a strong storm, Missy's grain drill was mangled by a tornado, which
rendered it useless. Before the
damage, the grain drill was worth $25,000, but it would cost $45,000 to buy
a new one today. Missy's farm
policy has a replacement cost endorsement, and the grain drill is scheduled
on a Mobile Agricultural
Machinery and Equipment form with a $36,000 limit. Missy replaces her
grain drill with one she found on
sale for $40,000. How much total indemnification will she receive?
$25,000
$36,000
$45,000
$40,000 ---------CORRECT ANSWER-----------------$36,000
When discussing farm insurance, which of the following most accurately
describes "scheduled property"?
Excluded coverage
Blanket coverage
Excluded property
Itemized property ---------CORRECT ANSWER-----------------Itemized
property
Farmer Bob would like to sell his recent harvest of lettuce to a local
wholesaler. The wholesaler agrees, but only if Bob can prove he has
insurance protection in the event that his lettuce causes people to become
ill. What type of insurance does Bob need in this situation?
