6/2/25, 8:44 AM Florida Claims Adjuster EXAM 2025 QUESTIONS AND ANSWERS (MULTIPLE CHOICES) AND (RATIONALES) VERIFIED SO…
Florida Claims Adjuster EXAM 2025 QUESTIONS
AND ANSWERS (MULTIPLE CHOICES) AND
(RATIONALES) VERIFIED SOLUTIONS |100%
CORRECT 2025
Save
Terms in this set (206)
Frank owned a home that D. All listed interests
was destroyed by a Remember that the insurer is not responsible to
hurricane. Both ABC and know the degrees of interest. In the event of a loss,
XYZ Banks were listed as one payment is made by the insurer and it is up to
additional interests on his the additional interests on working out their share.
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
Insurance applies A. Severability
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
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,6/2/25, 8:44 AM Florida Claims Adjuster EXAM 2025 QUESTIONS AND ANSWERS (MULTIPLE CHOICES) AND (RATIONALES) VERIFIED SO…
Property insurance B. Abandonment
policies usually contain
a(n) __________ clause,
stating the insured
cannot dump damaged
property on the insurer
and demand its full value:
A. Pro Rata
B. Abandonment
C. Liberalization
D. All of the above
A(n) __________ is one D. Insurable Interest
wherein economic loss
would be suffered from
an adverse happening to
the subject:
A. Conditional Contract
B. Personal Contract
C. Economic Contract
D. Insurable Interest
States that if the insurer D. Liberalization
adopts a revision which The time frame is typically 60 days.
would broaden coverage
without additional
premium within some
period of time prior to
the policy period or
during the policy period,
the insured receives the
benefit of such
broadened coverage.
A. Cancellation Clause
B. Policy Period
C. Pro Rata
D. Liberalization
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,6/2/25, 8:44 AM Florida Claims Adjuster EXAM 2025 QUESTIONS AND ANSWERS (MULTIPLE CHOICES) AND (RATIONALES) VERIFIED SO…
The __________ states that A. Doctrine of Proximate Cause
when there is an For example, if a property insurance policy covers
unbroken connection the peril of fire but further damage is caused by
between an occurrence smoke, water used to extinguish, and the process of
and damage that grows moving property away - fire is considered to be the
out of the occurrence, proximate cause of all of the damage.
then the resultant
damage is all a part of
the occurrence.
A. Doctrine of Proximate
Cause
B. Doctrine of Perils &
Hazards
C. Insurance Policy
Handbook
D. Doctrine of Property
Insurance
The Loss Settlement A. Actual Cash Value
Valuation that subtracts
an allowance for
depreciation is defined
as?
A. Actual Cash Value
B. Replacement Cost
C. "Old for New"
D. None of the Above
A policy condition, either A. Warranty
based on information in
the insured's application
or inserted by the insurer,
is defined as:
A. Warranty
B. Misrepresentation
C. Concealment
D. None of the Above
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, 6/2/25, 8:44 AM Florida Claims Adjuster EXAM 2025 QUESTIONS AND ANSWERS (MULTIPLE CHOICES) AND (RATIONALES) VERIFIED SO…
The following are basic C. Loss of Settlement Contract
characteristics of a
property or liability
insurance contract,
except:
A. Personal Contract
B. Conditional Contract
C. Loss of Settlement
Contract
D. Contract of Adhesion
The Insurer's A. Conditional Contract
responsibility to pay for a "may be conditioned"
property loss may be
conditioned on the
insured having used
reasonable means to
avoid the loss, to protect
the property against
further loss, and to give
the insurer proof of the
loss is defined as?
A. Conditional Contract
B. Adhesion Contract
C. Indemnity Contract
D. All of the Above
Which of the following is B. Temporary Injury of the Insured
not one of the Also included: permanent injury other than scarring
"Thresholds" in the "No- and disfigurement
Fault" law?
A. Death of the Insured
B. Temporary Injury of the
Insured
C. A permanent loss of a
bodily function
D. Permanent scarring on
the face of the insured
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Florida Claims Adjuster EXAM 2025 QUESTIONS
AND ANSWERS (MULTIPLE CHOICES) AND
(RATIONALES) VERIFIED SOLUTIONS |100%
CORRECT 2025
Save
Terms in this set (206)
Frank owned a home that D. All listed interests
was destroyed by a Remember that the insurer is not responsible to
hurricane. Both ABC and know the degrees of interest. In the event of a loss,
XYZ Banks were listed as one payment is made by the insurer and it is up to
additional interests on his the additional interests on working out their share.
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
Insurance applies A. Severability
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
https://quizlet.com/1050416897/florida-claims-adjuster-exam-2025-questions-and-answers-multiple-choices-and-rationales-verified-solutions-100… 1/62
,6/2/25, 8:44 AM Florida Claims Adjuster EXAM 2025 QUESTIONS AND ANSWERS (MULTIPLE CHOICES) AND (RATIONALES) VERIFIED SO…
Property insurance B. Abandonment
policies usually contain
a(n) __________ clause,
stating the insured
cannot dump damaged
property on the insurer
and demand its full value:
A. Pro Rata
B. Abandonment
C. Liberalization
D. All of the above
A(n) __________ is one D. Insurable Interest
wherein economic loss
would be suffered from
an adverse happening to
the subject:
A. Conditional Contract
B. Personal Contract
C. Economic Contract
D. Insurable Interest
States that if the insurer D. Liberalization
adopts a revision which The time frame is typically 60 days.
would broaden coverage
without additional
premium within some
period of time prior to
the policy period or
during the policy period,
the insured receives the
benefit of such
broadened coverage.
A. Cancellation Clause
B. Policy Period
C. Pro Rata
D. Liberalization
https://quizlet.com/1050416897/florida-claims-adjuster-exam-2025-questions-and-answers-multiple-choices-and-rationales-verified-solutions-100… 2/62
,6/2/25, 8:44 AM Florida Claims Adjuster EXAM 2025 QUESTIONS AND ANSWERS (MULTIPLE CHOICES) AND (RATIONALES) VERIFIED SO…
The __________ states that A. Doctrine of Proximate Cause
when there is an For example, if a property insurance policy covers
unbroken connection the peril of fire but further damage is caused by
between an occurrence smoke, water used to extinguish, and the process of
and damage that grows moving property away - fire is considered to be the
out of the occurrence, proximate cause of all of the damage.
then the resultant
damage is all a part of
the occurrence.
A. Doctrine of Proximate
Cause
B. Doctrine of Perils &
Hazards
C. Insurance Policy
Handbook
D. Doctrine of Property
Insurance
The Loss Settlement A. Actual Cash Value
Valuation that subtracts
an allowance for
depreciation is defined
as?
A. Actual Cash Value
B. Replacement Cost
C. "Old for New"
D. None of the Above
A policy condition, either A. Warranty
based on information in
the insured's application
or inserted by the insurer,
is defined as:
A. Warranty
B. Misrepresentation
C. Concealment
D. None of the Above
https://quizlet.com/1050416897/florida-claims-adjuster-exam-2025-questions-and-answers-multiple-choices-and-rationales-verified-solutions-100… 3/62
, 6/2/25, 8:44 AM Florida Claims Adjuster EXAM 2025 QUESTIONS AND ANSWERS (MULTIPLE CHOICES) AND (RATIONALES) VERIFIED SO…
The following are basic C. Loss of Settlement Contract
characteristics of a
property or liability
insurance contract,
except:
A. Personal Contract
B. Conditional Contract
C. Loss of Settlement
Contract
D. Contract of Adhesion
The Insurer's A. Conditional Contract
responsibility to pay for a "may be conditioned"
property loss may be
conditioned on the
insured having used
reasonable means to
avoid the loss, to protect
the property against
further loss, and to give
the insurer proof of the
loss is defined as?
A. Conditional Contract
B. Adhesion Contract
C. Indemnity Contract
D. All of the Above
Which of the following is B. Temporary Injury of the Insured
not one of the Also included: permanent injury other than scarring
"Thresholds" in the "No- and disfigurement
Fault" law?
A. Death of the Insured
B. Temporary Injury of the
Insured
C. A permanent loss of a
bodily function
D. Permanent scarring on
the face of the insured
https://quizlet.com/1050416897/florida-claims-adjuster-exam-2025-questions-and-answers-multiple-choices-and-rationales-verified-solutions-100… 4/62
