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Florida Public Adjuster State Test 2025/2026 – 300+ A+ Verified Q&A on Homeowners Policies, CGL, Claims Handling, Ethics & FL Statutes

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This complete and professionally graded exam prep guide is tailored for candidates taking the Florida Public Adjuster State Exam for the 2025/2026 licensing cycle. Featuring 300+ verified questions and correct answers, it provides full coverage of the laws, policies, and ethical standards required to pass the public adjuster exam in Florida with confidence. Topics span across real-world scenarios, definitions, and exam-level concepts including: Florida No-Fault Law & Tort Exemption Homeowners insurance policies (HO-2, HO-3, HO-4, HO-5, HO-6) Commercial General Liability (CGL): Occurrence vs. Claims-Made, Declarations, Nuclear Endorsement Property and casualty coverages: Coverage A–D, other structures, loss settlement, coinsurance Policy conditions and contract law: waiver, adhesion, declarations, DICE model Public adjuster roles and legal limits: fee caps, fraud warnings, salvage, estimate retention Statutory law: 627.7011, 626.854, 626.8796, 744.387 Florida insurance regulators: OIR, FIGA, FAJUA, Citizens Property Insurance, FWUA Claims handling process: investigation, negotiation, evaluation, and settlement types Legal doctrines and ethics: proximate cause, assumption of risk, comparative negligence, fiduciary duties It is especially beneficial for: Public adjuster candidates seeking Florida licensure Students in approved Florida public adjuster pre-licensing programs Insurance professionals preparing for transition into public adjusting Anyone preparing for CE, ethics compliance, or licensure upgrade in Florida Each answer includes legal references and realistic phrasing to prepare candidates for high-stakes licensing success. A must-have guide for mastering Florida-specific adjuster laws and responsibilities. Keywords: Florida public adjuster exam, public adjuster license 2025, homeowners policy coverage, CGL insurance Florida, Coverage A B C D, loss settlement clause, tort exemption Florida, waiver and estoppel, property insurance terms, adjuster ethics, Rule 69B-220.201, OIR Florida, claims handling process, salvage rules adjuster, subrogation Florida, coinsurance, comparative negligence, statute 627.7011, public adjuster responsibilities

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Uploaded on
September 6, 2025
Number of pages
21
Written in
2025/2026
Type
Exam (elaborations)
Contains
Questions & answers

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Florida Public Adjuster State Test
2025/2026 Exam Questions and Verified
Answers | Already Graded A+



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

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.


COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
PRIVACY STATEMENT. ALL RIGHTS RESERVED

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