FLORIDA PUBLIC ADJUSTER 3-20 VERSION A,B & C NEW UPDATE ACTUAL EXAM QUESTIONS AND

FLORIDA PUBLIC ADJUSTER 3-20
VERSION A,B & C NEW UPDATE ACTUAL
EXAM QUESTIONS AND DETAILED
ANSWERS GUARANTEED PASS GRADED
A+ (REVISED)
There5are5several5important5statutory5requirements5pertaining5to5contracts5made5by5publi
c5adjusters:5-
correct5answer✔ ✔ Must5state5the5type5of5claim,5including5an5emergency5claim,5non-
5



emergency5claim5or5supplemental5claim.
Requires5the5signatures5of5all5named5insureds.
If5the5signatures5of5all5named5insureds5are5not5available,5the5public5adjuster5must5submit5a
n5affidavit5signed5by5the5available5named5insureds5attesting5that5they5have5authority5to5ent
er5into5the5contract5and5settle5all5claim5issues5on5behalf5of5the5named5insureds.
An5unaltered5copy5of5the5contract5must5be5remitted5to5the5insurer5within5305days5after5exe
cution.5This5means5the5contract5provided5to5the5insurer5must5also5contain5the5agreed5upo
n5fee5percentage.


True5or5False:5Both5mediation5and5sinkhole5neutral5evaluation5are5non-
binding.5Neither5the5insured5nor5the5insurance5company5is5legally5obligated5to5accept5the5
outcome5of5the5mediation5conference.5-5correct5answer✔ ✔ True


The5______________5is5intended5for5use5by5parties5who5are5beginning5the5process5of5filin
g5suit5against5an5insurer,5when5a5party5feels5they5have5been5damaged5by5specific5acts5of5t
he5insurer.5The5Notice5is5intended5to5meet5a5portion5of5legal5requirements5set5forth5in5Sect
ion5624.155,5Florida5Statutes,5which5requires5a5party5to5file5Notice5with5both5the5insurer5an
d5the5Department5of5Financial5Services5(DFS)5at5least5605days5prior5to5bringing5an5action5
against5the5insurer.5The5DFS5does5not5involve5itself5in5the5pre-

,suit5negotiations5or5communications5related5to5Notices5as5such5actions5are5not5within5the5
scope5of5its5statutory5authority.5-5correct5answer✔ ✔ Civil5Remedies5Notice


Mediation5Statute5627.70155-5correct5answer✔ ✔
The5department5shall5adopt5by5rule5a5property5insurance5mediation5program5to5be5admi
nistered5by5the5department5or5its5designee.5The5department5may5also5adopt5special5rules5
which5are5applicable5in5cases5of5an5emergency5within5the5state.5The5rules5shall5be5modele
d5after5practices5and5procedures5set5forth5in5mediation5rules5of5procedure5adopted5by5the5
Supreme5Court.5The5rules5shall5provide5for:(a)5Reasonable5requirement5for5processing5a
nd5scheduling5of5requests5for5mediation.(b)5Qualifications,5denial5of5application,5suspensi
on,5revocation5of5approval,5and5other5penalties5for5mediators5as5provided5in5s.5627.7455an
d5the5Florida5Rules5for5Certified5and5Court-
Appointed5Mediators.(c)5Provisions5governing5who5may5attend5mediation5conferences.(d)
Selection5of5mediators.(e)5Criteria5for5the5conduct5of5mediation5conferences.(f)5Right5to5le
5



gal5counsel.
(5)5All5statements5made5and5documents5produced5at5a5mediation5conference5shall5be5dee
med5to5be5settlement5negotiations5in5anticipation5of5litigation5within5the5scope5of5s.590.408
.5All5parties5to5the5mediation5must5negotiate5in5good5faith5and5must5have5the5authority5to5i
mmediately5settle5the5claim.5Mediators5are5deemed5to5be5agents5of5the5department5and5s
hall5have5the5immunity5from5suit5provided5in5s.544.107.
(6)(a)5Mediation5is5nonbinding;5however,5if5a5written5settlement5is5reached,5the5policyhold
er5has535business5days5within5which5the5policyholder5may5rescind5the5settlement5unless5t
he5policyholder5has5cashed5or5deposited5any5check5or5draft5disbursed5to5the5policyholder5
for5the5disputed5matters5as5a5result5of5the5conference.5If5a5settlement5agreement5is5reache
d5and5is5not5rescinded,5it5is5binding5and5acts5as5a5release5of5all5specific5claims5that5were5pr
esented5in5that5mediation5conference.
(b)5At5the5conclusion5of5the5mediation,5the5mediator5shall5provide5a5written5report5of5the5re


Code5of5ethics5(FAC569B-220.201)5-5correct5answer✔ ✔
The5work5of5adjusting5insurance5claims5engages5the5public5trust.5An5adjuster5shall5put5th

, e5duty5for5fair5and5honest5treatment5of5the5claimant5above5the5adjuster's5own5interests5in5e
very5instance.5...5(b)5An5adjuster5shall5treat5all5claimants5equally.


Florida5Insurance5Guaranty5Association5-5correct5answer✔ ✔
establishes5and5maintains5a5service-
oriented5operation5for5processing5covered5claims5of5insolvent5members.5FIGA5is5a5nonpro
fit5corporation5created5by5the5Florida5Legislature5in51970.5FIGA5services5pending5claims5b
y5or5against5Florida5policyholders5of5member5insurance5companies5which5become5insolve
nt5and5are5ordered5liquidated.


The5Residential5Property5and5Casualty5Joint5Underwriting5Association5originally5created5
by5this5statute5shall5be5known5as5the5Citizens5Property5Insurance5Corporation5-
correct5answer✔ ✔
5



The5corporation5shall5provide5insurance5for5residential5and5commercial5property,5for5ap
plicants5who5are5entitled,5but,5in5good5faith,5are5unable5to5procure5insurance5through5the5v
oluntary5market.


Business5auto5coverage5form5Section535Physical5Damage5Coverage5-5correct5answer✔
✔ We5will5pay5for5"loss"5to5a5covered5"auto"5or5its5equipment5under:
a.5Comprehensive5Coverage5From5any5cause5except:5(1)5The5covered5"auto's"5collision5
5



with5another5object;5or5(2)5The5covered5"auto's"5overturn.
b.5Specified5Causes5Of5Loss5Coverage5Caused5by:5(1)5Fire,5lightning5or5explosion;5(2)5Th
5



eft;5(3)5Windstorm,5hail5or5earthquake;5(4)5Flood;5(5)5Mischief5or5vandalism;5or5(6)5The5sin
king,5burning,5collision5or5derailment5of5any5conveyance5transporting5the5covered5"auto".
c.5Collision5Coverage5Caused5by:5(1)5The5covered5"auto's"5collision5with5another5object;5o
r5(2)5The5covered5"auto's"5overturn.


Part5D5-5Coverage5for5damage5to5your5auto5-5correct5answer✔ ✔
the5insurance5company5agrees5to5pay5an5amount5in5excess5of5your5deductible5for5direct5