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Florida Public Adjuster State Test Questions with Answers
(100% Correct Answers)
Florida No-Fault Tort Exemption— —ANS: 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)— —ANS: 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?— —ANS: National Flood Insurance Program
Form SR-22— —ANS: 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— —ANS: 1.Declarations Form
© 2025 All rights reserved
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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)— —ANS: 1.Named Insured(including address)
2.Policy Period
3.Premium
4.Limits of Coverage
7 Common CGL Conditions— —ANS: 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
© 2025 All rights reserved
, 3
7.Nuclear Endorsement
CGL Coverage A— —ANS: Bodily Injury and Property Damage Insuring Agreement
The 3 Conditions that define work as "completed"— —ANS: 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— —ANS: An accident, including continuous or repeated exposure to
substantially the same general harmful conditions.
accident— —ANS: Sudden, unexpected event
The Difference between "Occurance" and "Claims Made" CGL Coverages— —ANS:
The Coverage Trigger:
The Occurance Form applies to BI and PD regardless of any later time at which the
claim is made.
© 2025 All rights reserved
Florida Public Adjuster State Test Questions with Answers
(100% Correct Answers)
Florida No-Fault Tort Exemption— —ANS: 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)— —ANS: 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?— —ANS: National Flood Insurance Program
Form SR-22— —ANS: 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— —ANS: 1.Declarations Form
© 2025 All rights reserved
,2
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)— —ANS: 1.Named Insured(including address)
2.Policy Period
3.Premium
4.Limits of Coverage
7 Common CGL Conditions— —ANS: 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
© 2025 All rights reserved
, 3
7.Nuclear Endorsement
CGL Coverage A— —ANS: Bodily Injury and Property Damage Insuring Agreement
The 3 Conditions that define work as "completed"— —ANS: 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— —ANS: An accident, including continuous or repeated exposure to
substantially the same general harmful conditions.
accident— —ANS: Sudden, unexpected event
The Difference between "Occurance" and "Claims Made" CGL Coverages— —ANS:
The Coverage Trigger:
The Occurance Form applies to BI and PD regardless of any later time at which the
claim is made.
© 2025 All rights reserved
