Florida 6-20 All Lines Adjuster Test Exam
2026 Questions and Answers
A public adjuster represents the interest of:
A. The insurer
B. The Insured
C. The employer
D. The interest of the general public - Correct answer-B. The insured
Which of the following is the type of report that indicates the initial results of a
claim investigation?
A. Field Report
B. Interim Report
C. Full Report
D. None of the above - Correct answer-A. Field Report
States have adopted statutes regarding claims adjusting. To avoid unfair treatment
to a
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,claimant the adjuster must not:
A. Promptly investigate the claim.
B. Follow the laws regarding the number of days in which to commence an
investigation.
C. Deny the claim until a fair and prompt investigation has commenced.
D. Pay the claim within a reasonable number of days after the final proof of loss
has been
received. - Correct answer-C. Deny the claim until a fair and prompt investigation
has commenced.
Which of the following is not a claim settlement option?
A. Forcing the insured to sue by offering less than the claim is worth.
B. Repairing property.
C. Replacing with like kind and quality.
D. Replace with new - Correct answer-A. Forcing the insured to sue by offering
less than the claim is worth.
The giving up of a known right is called:
A. Estoppel
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,B. Violation of policy conditions
C. Rebating
D. Waiver - Correct answer-D. Waiver
An innocent party relies on certain statements made by the adjuster and is damaged
as a
result. The guilty party may be legally prohibited from asserting that the fact does
not exist
because of:
A. Waiver
B. Estoppel
C. Duties of the adjuster
D. Law of contract - Correct answer-B. Estoppel
Should an insured fail to report a claim in a timely fashion the adjuster will
usually:
A. Deny the claim.
B. Send the insured a reservation of rights letter.
C. Cease investigating.
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, D. Seek the advice of the company's attorney. - Correct answer-B. Send the insured
a reservation of rights letter.
A company adjuster primarily represents the interests of:
A. The insured.
B. The claimant.
C. The insurer.
D. The public. - Correct answer-C. The insurer.
An adjuster's license will usually be revoked for which of the following reasons:
A. Denying claims that are not covered.
B. Failing to report a change of address.
C. Having been convicted of a misdemeanor.
D. Having been convicted of a felony. - Correct answer-D. Having been convicted
of a felony.
The insured has been involved in an automobile accident and has sustained bodily
injuries
and damage to the insured vehicle. The adjuster will usually:
A. Withhold any payment until all the bills have been reviewed for payment.
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2026 Questions and Answers
A public adjuster represents the interest of:
A. The insurer
B. The Insured
C. The employer
D. The interest of the general public - Correct answer-B. The insured
Which of the following is the type of report that indicates the initial results of a
claim investigation?
A. Field Report
B. Interim Report
C. Full Report
D. None of the above - Correct answer-A. Field Report
States have adopted statutes regarding claims adjusting. To avoid unfair treatment
to a
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,claimant the adjuster must not:
A. Promptly investigate the claim.
B. Follow the laws regarding the number of days in which to commence an
investigation.
C. Deny the claim until a fair and prompt investigation has commenced.
D. Pay the claim within a reasonable number of days after the final proof of loss
has been
received. - Correct answer-C. Deny the claim until a fair and prompt investigation
has commenced.
Which of the following is not a claim settlement option?
A. Forcing the insured to sue by offering less than the claim is worth.
B. Repairing property.
C. Replacing with like kind and quality.
D. Replace with new - Correct answer-A. Forcing the insured to sue by offering
less than the claim is worth.
The giving up of a known right is called:
A. Estoppel
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,B. Violation of policy conditions
C. Rebating
D. Waiver - Correct answer-D. Waiver
An innocent party relies on certain statements made by the adjuster and is damaged
as a
result. The guilty party may be legally prohibited from asserting that the fact does
not exist
because of:
A. Waiver
B. Estoppel
C. Duties of the adjuster
D. Law of contract - Correct answer-B. Estoppel
Should an insured fail to report a claim in a timely fashion the adjuster will
usually:
A. Deny the claim.
B. Send the insured a reservation of rights letter.
C. Cease investigating.
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, D. Seek the advice of the company's attorney. - Correct answer-B. Send the insured
a reservation of rights letter.
A company adjuster primarily represents the interests of:
A. The insured.
B. The claimant.
C. The insurer.
D. The public. - Correct answer-C. The insurer.
An adjuster's license will usually be revoked for which of the following reasons:
A. Denying claims that are not covered.
B. Failing to report a change of address.
C. Having been convicted of a misdemeanor.
D. Having been convicted of a felony. - Correct answer-D. Having been convicted
of a felony.
The insured has been involved in an automobile accident and has sustained bodily
injuries
and damage to the insured vehicle. The adjuster will usually:
A. Withhold any payment until all the bills have been reviewed for payment.
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