Florida Adjuster Licensing Exam With
Actual Questions & Verified
Answers,Plus Rationales/Expert
Verified For Guaranteed Pass Graded
A+/2026 /Latest Update/Instant
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1. What is the primary duty of an insurance adjuster?
A. Sell insurance policies
B. Investigate, evaluate, and settle claims
C. Draft insurance legislation
D. Provide legal advice
B. Investigate, evaluate, and settle claims
Rationale: The main responsibility of an adjuster is to handle claims, which
includes investigating the loss, evaluating damages, and negotiating
settlements.
2. Which of the following is required to obtain a Florida adjuster license?
A. High school diploma only
B. Completing pre-licensing education and passing the state exam
C. Only work experience
D. No requirements
B. Completing pre-licensing education and passing the state exam
Rationale: Florida law requires adjusters to complete a pre-licensing course
and pass the licensing exam to ensure competency.
3. An adjuster’s fiduciary responsibility primarily involves:
A. Investing the company’s funds
, B. Protecting policyholder interests when handling claims
C. Drafting policy contracts
D. Marketing insurance products
B. Protecting policyholder interests when handling claims
Rationale: Adjusters must act honestly and in good faith, ensuring the fair
handling of claims for the policyholder.
4. What is the maximum fine the Florida Department of Financial Services
can impose for unlicensed adjusting?
A. $1,000
B. $5,000
C. $10,000 per violation
D. $50,000
C. $10,000 per violation
Rationale: Florida law permits fines up to $10,000 for each act of unlicensed
insurance adjusting.
5. Which type of adjuster represents the insurance company?
A. Public adjuster
B. Company (staff) adjuster
C. Independent adjuster
D. Claims appraiser
B. Company (staff) adjuster
Rationale: Company adjusters are employees of the insurer and handle claims
on behalf of the insurance company.
6. A public adjuster is hired by:
A. The insurance company
B. The state
C. The policyholder
D. The claims department
C. The policyholder
Rationale: Public adjusters work for policyholders to help them prepare,
present, and settle claims.
, 7. In Florida, which of the following requires an adjuster to report to the
Department of Financial Services within 30 days?
A. Change of address
B. Filing a lawsuit
C. Completion of a claim
D. None of the above
A. Change of address
Rationale: Florida law requires adjusters to report any changes in address or
contact information promptly to maintain accurate licensure records.
8. What is the primary purpose of the Florida Prompt Payment Law?
A. To increase insurance premiums
B. To ensure timely claim payment
C. To limit adjuster liability
D. To regulate insurance advertising
B. To ensure timely claim payment
Rationale: The law requires insurers to investigate, approve, and pay claims
promptly to protect policyholders.
9. Which of the following is considered insurance fraud?
A. Misrepresenting facts to obtain a claim payment
B. Submitting a legitimate claim
C. Reporting an injury
D. Negotiating settlement
A. Misrepresenting facts to obtain a claim payment
Rationale: Fraud involves intentional deception to gain an unauthorized
benefit.
10.When must an adjuster provide a written notice of settlement offer to a
policyholder?
A. Within 7 days of receiving a claim
B. Only upon request
C. When a settlement is made
D. After a lawsuit is filed
Actual Questions & Verified
Answers,Plus Rationales/Expert
Verified For Guaranteed Pass Graded
A+/2026 /Latest Update/Instant
Download Pdf
1. What is the primary duty of an insurance adjuster?
A. Sell insurance policies
B. Investigate, evaluate, and settle claims
C. Draft insurance legislation
D. Provide legal advice
B. Investigate, evaluate, and settle claims
Rationale: The main responsibility of an adjuster is to handle claims, which
includes investigating the loss, evaluating damages, and negotiating
settlements.
2. Which of the following is required to obtain a Florida adjuster license?
A. High school diploma only
B. Completing pre-licensing education and passing the state exam
C. Only work experience
D. No requirements
B. Completing pre-licensing education and passing the state exam
Rationale: Florida law requires adjusters to complete a pre-licensing course
and pass the licensing exam to ensure competency.
3. An adjuster’s fiduciary responsibility primarily involves:
A. Investing the company’s funds
, B. Protecting policyholder interests when handling claims
C. Drafting policy contracts
D. Marketing insurance products
B. Protecting policyholder interests when handling claims
Rationale: Adjusters must act honestly and in good faith, ensuring the fair
handling of claims for the policyholder.
4. What is the maximum fine the Florida Department of Financial Services
can impose for unlicensed adjusting?
A. $1,000
B. $5,000
C. $10,000 per violation
D. $50,000
C. $10,000 per violation
Rationale: Florida law permits fines up to $10,000 for each act of unlicensed
insurance adjusting.
5. Which type of adjuster represents the insurance company?
A. Public adjuster
B. Company (staff) adjuster
C. Independent adjuster
D. Claims appraiser
B. Company (staff) adjuster
Rationale: Company adjusters are employees of the insurer and handle claims
on behalf of the insurance company.
6. A public adjuster is hired by:
A. The insurance company
B. The state
C. The policyholder
D. The claims department
C. The policyholder
Rationale: Public adjusters work for policyholders to help them prepare,
present, and settle claims.
, 7. In Florida, which of the following requires an adjuster to report to the
Department of Financial Services within 30 days?
A. Change of address
B. Filing a lawsuit
C. Completion of a claim
D. None of the above
A. Change of address
Rationale: Florida law requires adjusters to report any changes in address or
contact information promptly to maintain accurate licensure records.
8. What is the primary purpose of the Florida Prompt Payment Law?
A. To increase insurance premiums
B. To ensure timely claim payment
C. To limit adjuster liability
D. To regulate insurance advertising
B. To ensure timely claim payment
Rationale: The law requires insurers to investigate, approve, and pay claims
promptly to protect policyholders.
9. Which of the following is considered insurance fraud?
A. Misrepresenting facts to obtain a claim payment
B. Submitting a legitimate claim
C. Reporting an injury
D. Negotiating settlement
A. Misrepresenting facts to obtain a claim payment
Rationale: Fraud involves intentional deception to gain an unauthorized
benefit.
10.When must an adjuster provide a written notice of settlement offer to a
policyholder?
A. Within 7 days of receiving a claim
B. Only upon request
C. When a settlement is made
D. After a lawsuit is filed
