1 | Page
FLORIDA PUBLIC ADJUSTER STATE
TEST 2025 UPDATED ACTUAL EXAM
WITH CORRECT SOLUTIONS.
Florida No-Fault Tort Exemption - correct 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) - correct
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? - correct answer- National Flood
Insurance Program
Form SR-22 - correct 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.
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Contents of a CGL Contract - correct 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) - correct answer- 1.Named
Insured(including address)
2.Policy Period
3.Premium
4.Limits of Coverage
7 Common CGL Conditions - correct 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
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CGL Coverage A - correct answer- Bodily Injury and Property
Damage Insuring Agreement
The 3 Conditions that define work as "completed" - correct
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 - correct answer- An accident, including continuous
or repeated exposure to substantially the same general harmful
conditions.
accident - correct answer- Sudden, unexpected event
The Difference between "Occurance" and "Claims Made" CGL
Coverages - correct 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"
FLORIDA PUBLIC ADJUSTER STATE
TEST 2025 UPDATED ACTUAL EXAM
WITH CORRECT SOLUTIONS.
Florida No-Fault Tort Exemption - correct 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) - correct
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? - correct answer- National Flood
Insurance Program
Form SR-22 - correct 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.
,2 | Page
Contents of a CGL Contract - correct 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) - correct answer- 1.Named
Insured(including address)
2.Policy Period
3.Premium
4.Limits of Coverage
7 Common CGL Conditions - correct 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
, 3 | Page
CGL Coverage A - correct answer- Bodily Injury and Property
Damage Insuring Agreement
The 3 Conditions that define work as "completed" - correct
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 - correct answer- An accident, including continuous
or repeated exposure to substantially the same general harmful
conditions.
accident - correct answer- Sudden, unexpected event
The Difference between "Occurance" and "Claims Made" CGL
Coverages - correct 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"
