FLORIDA PUBLIC EXAM OUTLINES, FLORIDA 3-20 PUBLIC
ADJUSTERS STATE EXAM 2025-2026 ACTUAL EXAM 150
QUESTIONS AND CORRECT ANSWERS AGRADE
Overview
Developed for insurance professionals and adjuster trainees, this comprehensive review
mirrors the structure, scope, and difficulty of the official 3-20 exam. It covers:
Florida insurance laws and regulations
Public adjuster licensing and responsibilities
Property and casualty insurance principles
Claims handling, investigation, and settlement processes
Ethical and professional conduct requirements
Policy coverage analysis and client representation
This study guide builds a strong foundation in state-specific public adjusting practices and
insurance law.
Key Features
✅ 150 Practice Questions with Detailed Rationales
✅ Aligned with 2025–2026 Florida DFS Public Adjuster Exam Content Outline
✅ Covers All Core Topics: Laws, Ethics, Claims, and Policies
✅ Real Exam-Style Format for Effective Preparation
✅ Reviewed by Licensed Florida Public Adjusters
Purpose
• To provide a comprehensive review of the 3-20 Public Adjuster exam content
• To strengthen knowledge of Florida insurance law and claims procedures
• To help candidates prepare confidently and achieve state licensure
Recommended For
• Public adjuster applicants preparing for the Florida 3-20 licensing exam
• Insurance professionals and trainees seeking to expand credentials
, • Adjuster schools and instructors developing Florida exam review materials
• Compliance officers and claims specialists refreshing Florida insurance knowledge
✅ Your Complete Florida 3-20 Exam Preparation Resource
With 150 expertly written, exam-style questions and comprehensive explanations, the
Florida 3-20 Public Adjuster Exam Study Guide 2025–2026 is your most reliable, accurate,
and effective resource for mastering Florida’s insurance laws — and passing the public adjuster
licensing exam on your first attempt.
The insurer and insured agree to a specific value of insured item - ANSWER-Agreed Value Policies
Someone who has care, custody or control of another's property - ANSWER-Bailee
Claim filed by policy holder against his _ - ANSWER-First Party Claim
When a person who entrusts another with an object and it results in injury to someone can be held
liable for the injury to someone. Can be held liable for the injury i.e. Firearm or DWI - ANSWER-Negligent
Entrustment
Hazard that results from a conscious decision made by an insured to participate in a manner or behavior
more likely to result in a loss because they have insurance - ANSWER-Moral Hazard
Used to provide temporary insurance coverage until an insurance policy can be written - ANSWERBinder
Required by lenders to guarantee that outstanding loans against a job are paid upon completion -
ANSWER-Completion Bonds
The section of an insurance policy identifying the insured, endorsements, coverages, limits, and
premiums - ANSWER-Declarations
Policyholder cannot transfer the policy to someone else without written permission from their insurance
company - ANSWER-Assignment
ADJUSTERS STATE EXAM 2025-2026 ACTUAL EXAM 150
QUESTIONS AND CORRECT ANSWERS AGRADE
Overview
Developed for insurance professionals and adjuster trainees, this comprehensive review
mirrors the structure, scope, and difficulty of the official 3-20 exam. It covers:
Florida insurance laws and regulations
Public adjuster licensing and responsibilities
Property and casualty insurance principles
Claims handling, investigation, and settlement processes
Ethical and professional conduct requirements
Policy coverage analysis and client representation
This study guide builds a strong foundation in state-specific public adjusting practices and
insurance law.
Key Features
✅ 150 Practice Questions with Detailed Rationales
✅ Aligned with 2025–2026 Florida DFS Public Adjuster Exam Content Outline
✅ Covers All Core Topics: Laws, Ethics, Claims, and Policies
✅ Real Exam-Style Format for Effective Preparation
✅ Reviewed by Licensed Florida Public Adjusters
Purpose
• To provide a comprehensive review of the 3-20 Public Adjuster exam content
• To strengthen knowledge of Florida insurance law and claims procedures
• To help candidates prepare confidently and achieve state licensure
Recommended For
• Public adjuster applicants preparing for the Florida 3-20 licensing exam
• Insurance professionals and trainees seeking to expand credentials
, • Adjuster schools and instructors developing Florida exam review materials
• Compliance officers and claims specialists refreshing Florida insurance knowledge
✅ Your Complete Florida 3-20 Exam Preparation Resource
With 150 expertly written, exam-style questions and comprehensive explanations, the
Florida 3-20 Public Adjuster Exam Study Guide 2025–2026 is your most reliable, accurate,
and effective resource for mastering Florida’s insurance laws — and passing the public adjuster
licensing exam on your first attempt.
The insurer and insured agree to a specific value of insured item - ANSWER-Agreed Value Policies
Someone who has care, custody or control of another's property - ANSWER-Bailee
Claim filed by policy holder against his _ - ANSWER-First Party Claim
When a person who entrusts another with an object and it results in injury to someone can be held
liable for the injury to someone. Can be held liable for the injury i.e. Firearm or DWI - ANSWER-Negligent
Entrustment
Hazard that results from a conscious decision made by an insured to participate in a manner or behavior
more likely to result in a loss because they have insurance - ANSWER-Moral Hazard
Used to provide temporary insurance coverage until an insurance policy can be written - ANSWERBinder
Required by lenders to guarantee that outstanding loans against a job are paid upon completion -
ANSWER-Completion Bonds
The section of an insurance policy identifying the insured, endorsements, coverages, limits, and
premiums - ANSWER-Declarations
Policyholder cannot transfer the policy to someone else without written permission from their insurance
company - ANSWER-Assignment
