FLORIDA CLAIMS
ADJUSTER EXAM
| 206 QUESTIONS
WITH 100%
CORRECT
ANSWERS 2025
, 1.Frank vowned va vhome vthat vwas vdestroyed vby va vhurricane. vBoth vABC vand
vXYZ vBanks vwere vlisted vas vadditional vinterests von vhis vhomeowner vpolicy. vThe
vinsurance vcompany vwill vmake va vpayment vto: v
A. vThe vfirst vmortgagee, vABC
B. vThe vInsured
C. vJointly vto vABC vand vXYZ
D. vAll vlisted vinterests v- vanswersD. vAll vlisted vinterests
Remember vthat vthe vinsurer vis vnot vresponsible vto vknow vthe vdegrees vof vinterest. vIn
vthe vevent vof va vloss, vone vpayment vis vmade vby vthe vinsurer vand vit vis vup vto vthe
vadditional vinterests von vworking vout vtheir vshare.
1. Insurance vapplies vseparately vto veach vinsured vas vif vother vinsureds vdid vnot
vexist. vThis vis vdefined vas:
A. vSeverability
B. vConditional
C. vWarranty
D. vNone vof vthe vabove v- vanswersA. vSeverability
2. Property vinsurance vpolicies vusually vcontain va(n) v__________ vclause, vstating
vthe vinsured vcannot vdump vdamaged vproperty von vthe vinsurer vand vdemand vits
vfull vvalue:
A. vPro vRata
B. vAbandonment
C. vLiberalization
D. vAll vof vthe vabove v- vanswersB. vAbandonment
3. A(n) v__________ vis vone vwherein veconomic vloss vwould vbe vsuffered vfrom van
vadverse vhappening vto vthe vsubject:
A. vConditional vContract
B. vPersonal vContract
C. vEconomic vContract
D. vInsurable vInterest v- vanswersD. vInsurable vInterest
4. States vthat vif vthe vinsurer vadopts va vrevision vwhich vwould vbroaden vcoverage
vwithout vadditional vpremium vwithin vsome vperiod vof vtime vprior vto vthe vpolicy
vperiod vor vduring vthe vpolicy vperiod, vthe vinsured vreceives vthe vbenefit vof vsuch
vbroadened vcoverage.
A. vCancellation vClause
B. vPolicy vPeriod
C. vPro vRata
,D. vLiberalization v- vanswersD. vLiberalization
The vtime vframe vis vtypically v60 vdays.
5. The v__________ vstates vthat vwhen vthere vis van vunbroken vconnection
vbetween van voccurrence vand vdamage vthat vgrows vout vof vthe voccurrence,
vthen vthe vresultant vdamage vis vall va vpart vof vthe voccurrence.
A. vDoctrine vof vProximate vCause
B. vDoctrine vof vPerils v& vHazards
C. vInsurance vPolicy vHandbook
D. vDoctrine vof vProperty vInsurance v- vanswersA. vDoctrine vof vProximate vCause
6. For vexample, vif va vproperty vinsurance vpolicy vcovers vthe vperil vof vfire vbut
vfurther vdamage vis vcaused vby vsmoke, vwater vused vto vextinguish, vand vthe
vprocess vof vmoving vproperty vaway v- vfire vis vconsidered vto vbe vthe v*proximate
vcause* vof vall vof vthe vdamage.
7. The vLoss vSettlement vValuation vthat vsubtracts van vallowance vfor vdepreciation
vis vdefined vas?
A. vActual vCash vValue
B. vReplacement vCost
C. v"Old vfor vNew"
D. vNone vof vthe vAbove v- vanswersA. vActual vCash vValue
A vpolicy vcondition, veither vbased von vinformation vin vthe vinsured's vapplication vor
vinserted vby vthe vinsurer, vis vdefined vas:
A. vWarranty
B. vMisrepresentation
C. vConcealment
D. vNone vof vthe vAbove v- vanswersA. vWarranty
The vfollowing vare vbasic vcharacteristics vof va vproperty vor vliability vinsurance vcontract,
vexcept:
A. vPersonal vContract
B. vConditional vContract
C. vLoss vof vSettlement vContract
D. vContract vof vAdhesion v- vanswersC. vLoss vof vSettlement vContract
The vInsurer's vresponsibility vto vpay vfor va vproperty vloss vmay vbe vconditioned von vthe
vinsured vhaving vused vreasonable vmeans vto vavoid vthe vloss, vto vprotect vthe vproperty
vagainst vfurther vloss, vand vto vgive vthe vinsurer vproof vof vthe vloss vis vdefined vas?
A. vConditional vContract
B. vAdhesion vContract
C. vIndemnity vContract
D. vAll vof vthe vAbove v- vanswersA. vConditional vContract
"may vbe vconditioned"
Which vof vthe vfollowing vis vnot vone vof vthe v"Thresholds" vin vthe v"No-Fault" vlaw?
, A. vDeath vof vthe vInsured
B. vTemporary vInjury vof vthe vInsured
C. vA vpermanent vloss vof va vbodily vfunction
D. vPermanent vscarring von vthe vface vof vthe vinsured v- vanswersB. vTemporary vInjury
vof vthe vInsured
Also vincluded: vpermanent vinjury vother vthan vscarring vand vdisfigurement
Under vMechanical vBreakdown vCoverage, vnew vcars vare veligible vfor vservice vup vto:
A. v36 vMonths/36,000 vMiles
B. v24 vMonths/36,000 vMiles
C. v12,000 vMonths/12,000 vMiles
D. v12 vMonths/36,000 vMiles v- vanswersA. v36 vMonths/36,000 vMiles
Used vvehicles: v12 vMonths/12,000 vMiles
If vfinancial vresponsibility vdoesn't vexist vat vthe vtime vof van vaccident, vwhich vof vthe
vfollowing vthings vmust vhappen vto vavoid vpenalties?
A. vThe vlegally vvalid vclaims vof vothers vmust vbe vsatisfied v(up vto v10/20/10)
B. vThe vowner vand voperator vmust vprovide vcertification vof vfuture vresponsibility vfor
vfuture vaccidents
C. vBoth vA v& vB
D. vNone vof vthe vAbove v- vanswersC. vBoth vA v& vB
As vto vrequired vproof vfor vfuture vaccidents vby vpurchase vof vauto vliability vinsurance,
vthe vinsurer vmust vmake va vfiling v(Form vSR-22) vcertifying vthat vcoverage vis vin veffect,
vand vthis vcertification vmust vremain von vfile vfor v__________ vyears: v
A. v1
B. v3
C. v4
D. v2 v- vanswersB. v3
The vBusiness vAutomobile vPolicy vincludes vall vof vthe vfollowing vcoverage vforms
vexcept:
A. vThe vGarage vCoverage vForm
B. vThe vTrailer vInterchange vCoverage vForm
C. vThe vTruckers vCoverage vForm
D. vThe vBusiness vAuto vCoverage vForm v- vanswersB. vThe vTrailer vInterchange
vCoverage vForm
Personal vInjury vProtection, vor vPIP, vhas va v__________ vper vperson, vper vaccident
vlimit.
A. v10,000
B. v20,000
C. v1,000
D. vDepends von vthe vdamaged vproperty v- vanswersA. v10,000
ADJUSTER EXAM
| 206 QUESTIONS
WITH 100%
CORRECT
ANSWERS 2025
, 1.Frank vowned va vhome vthat vwas vdestroyed vby va vhurricane. vBoth vABC vand
vXYZ vBanks vwere vlisted vas vadditional vinterests von vhis vhomeowner vpolicy. vThe
vinsurance vcompany vwill vmake va vpayment vto: v
A. vThe vfirst vmortgagee, vABC
B. vThe vInsured
C. vJointly vto vABC vand vXYZ
D. vAll vlisted vinterests v- vanswersD. vAll vlisted vinterests
Remember vthat vthe vinsurer vis vnot vresponsible vto vknow vthe vdegrees vof vinterest. vIn
vthe vevent vof va vloss, vone vpayment vis vmade vby vthe vinsurer vand vit vis vup vto vthe
vadditional vinterests von vworking vout vtheir vshare.
1. Insurance vapplies vseparately vto veach vinsured vas vif vother vinsureds vdid vnot
vexist. vThis vis vdefined vas:
A. vSeverability
B. vConditional
C. vWarranty
D. vNone vof vthe vabove v- vanswersA. vSeverability
2. Property vinsurance vpolicies vusually vcontain va(n) v__________ vclause, vstating
vthe vinsured vcannot vdump vdamaged vproperty von vthe vinsurer vand vdemand vits
vfull vvalue:
A. vPro vRata
B. vAbandonment
C. vLiberalization
D. vAll vof vthe vabove v- vanswersB. vAbandonment
3. A(n) v__________ vis vone vwherein veconomic vloss vwould vbe vsuffered vfrom van
vadverse vhappening vto vthe vsubject:
A. vConditional vContract
B. vPersonal vContract
C. vEconomic vContract
D. vInsurable vInterest v- vanswersD. vInsurable vInterest
4. States vthat vif vthe vinsurer vadopts va vrevision vwhich vwould vbroaden vcoverage
vwithout vadditional vpremium vwithin vsome vperiod vof vtime vprior vto vthe vpolicy
vperiod vor vduring vthe vpolicy vperiod, vthe vinsured vreceives vthe vbenefit vof vsuch
vbroadened vcoverage.
A. vCancellation vClause
B. vPolicy vPeriod
C. vPro vRata
,D. vLiberalization v- vanswersD. vLiberalization
The vtime vframe vis vtypically v60 vdays.
5. The v__________ vstates vthat vwhen vthere vis van vunbroken vconnection
vbetween van voccurrence vand vdamage vthat vgrows vout vof vthe voccurrence,
vthen vthe vresultant vdamage vis vall va vpart vof vthe voccurrence.
A. vDoctrine vof vProximate vCause
B. vDoctrine vof vPerils v& vHazards
C. vInsurance vPolicy vHandbook
D. vDoctrine vof vProperty vInsurance v- vanswersA. vDoctrine vof vProximate vCause
6. For vexample, vif va vproperty vinsurance vpolicy vcovers vthe vperil vof vfire vbut
vfurther vdamage vis vcaused vby vsmoke, vwater vused vto vextinguish, vand vthe
vprocess vof vmoving vproperty vaway v- vfire vis vconsidered vto vbe vthe v*proximate
vcause* vof vall vof vthe vdamage.
7. The vLoss vSettlement vValuation vthat vsubtracts van vallowance vfor vdepreciation
vis vdefined vas?
A. vActual vCash vValue
B. vReplacement vCost
C. v"Old vfor vNew"
D. vNone vof vthe vAbove v- vanswersA. vActual vCash vValue
A vpolicy vcondition, veither vbased von vinformation vin vthe vinsured's vapplication vor
vinserted vby vthe vinsurer, vis vdefined vas:
A. vWarranty
B. vMisrepresentation
C. vConcealment
D. vNone vof vthe vAbove v- vanswersA. vWarranty
The vfollowing vare vbasic vcharacteristics vof va vproperty vor vliability vinsurance vcontract,
vexcept:
A. vPersonal vContract
B. vConditional vContract
C. vLoss vof vSettlement vContract
D. vContract vof vAdhesion v- vanswersC. vLoss vof vSettlement vContract
The vInsurer's vresponsibility vto vpay vfor va vproperty vloss vmay vbe vconditioned von vthe
vinsured vhaving vused vreasonable vmeans vto vavoid vthe vloss, vto vprotect vthe vproperty
vagainst vfurther vloss, vand vto vgive vthe vinsurer vproof vof vthe vloss vis vdefined vas?
A. vConditional vContract
B. vAdhesion vContract
C. vIndemnity vContract
D. vAll vof vthe vAbove v- vanswersA. vConditional vContract
"may vbe vconditioned"
Which vof vthe vfollowing vis vnot vone vof vthe v"Thresholds" vin vthe v"No-Fault" vlaw?
, A. vDeath vof vthe vInsured
B. vTemporary vInjury vof vthe vInsured
C. vA vpermanent vloss vof va vbodily vfunction
D. vPermanent vscarring von vthe vface vof vthe vinsured v- vanswersB. vTemporary vInjury
vof vthe vInsured
Also vincluded: vpermanent vinjury vother vthan vscarring vand vdisfigurement
Under vMechanical vBreakdown vCoverage, vnew vcars vare veligible vfor vservice vup vto:
A. v36 vMonths/36,000 vMiles
B. v24 vMonths/36,000 vMiles
C. v12,000 vMonths/12,000 vMiles
D. v12 vMonths/36,000 vMiles v- vanswersA. v36 vMonths/36,000 vMiles
Used vvehicles: v12 vMonths/12,000 vMiles
If vfinancial vresponsibility vdoesn't vexist vat vthe vtime vof van vaccident, vwhich vof vthe
vfollowing vthings vmust vhappen vto vavoid vpenalties?
A. vThe vlegally vvalid vclaims vof vothers vmust vbe vsatisfied v(up vto v10/20/10)
B. vThe vowner vand voperator vmust vprovide vcertification vof vfuture vresponsibility vfor
vfuture vaccidents
C. vBoth vA v& vB
D. vNone vof vthe vAbove v- vanswersC. vBoth vA v& vB
As vto vrequired vproof vfor vfuture vaccidents vby vpurchase vof vauto vliability vinsurance,
vthe vinsurer vmust vmake va vfiling v(Form vSR-22) vcertifying vthat vcoverage vis vin veffect,
vand vthis vcertification vmust vremain von vfile vfor v__________ vyears: v
A. v1
B. v3
C. v4
D. v2 v- vanswersB. v3
The vBusiness vAutomobile vPolicy vincludes vall vof vthe vfollowing vcoverage vforms
vexcept:
A. vThe vGarage vCoverage vForm
B. vThe vTrailer vInterchange vCoverage vForm
C. vThe vTruckers vCoverage vForm
D. vThe vBusiness vAuto vCoverage vForm v- vanswersB. vThe vTrailer vInterchange
vCoverage vForm
Personal vInjury vProtection, vor vPIP, vhas va v__________ vper vperson, vper vaccident
vlimit.
A. v10,000
B. v20,000
C. v1,000
D. vDepends von vthe vdamaged vproperty v- vanswersA. v10,000
