FLORIDA PUBLIC ADJUSTER STATE TEST
2025 QUESTIONS AND ANSWERS.
Florida No-Fault Tort Exemption - Correct answer-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) - Correct
answer-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? - Correct answer-National Flood Insurance
Program
Form SR-22 - Correct answer-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 - Correct answer-1.Declarations Form
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) - Correct answer-1.Named
Insured(including address)
2. Policy Period
3. Premium
4. Limits of Coverage
7 Common CGL Conditions - Correct answer-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
7. Nuclear Endorsement
CGL Coverage A - Correct answer-Bodily Injury and Property Damage
Insuring Agreement
The 3 Conditions that define work as "completed" - Correct answer-
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 - Correct answer-An accident, including continuous or
repeated exposure to substantially the same general harmful conditions.
accident - Correct answer-Sudden, unexpected event
The Difference between "Occurance" and "Claims Made" CGL
Coverages - Correct answer-The Coverage Trigger:
The Occurance Form applies to BI and PD regardless of any later time
at which the claim is made.
The Claims-Made Form applies only to BI and PD that occurs on or
after the "Retro-Active date"
Retro-Active Date - Correct answer-The date on which the coverage
legally began.
Basic Extended Reporting Period for CGL - Correct answer-60 Days
after expiration
2025 QUESTIONS AND ANSWERS.
Florida No-Fault Tort Exemption - Correct answer-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) - Correct
answer-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? - Correct answer-National Flood Insurance
Program
Form SR-22 - Correct answer-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 - Correct answer-1.Declarations Form
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) - Correct answer-1.Named
Insured(including address)
2. Policy Period
3. Premium
4. Limits of Coverage
7 Common CGL Conditions - Correct answer-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
7. Nuclear Endorsement
CGL Coverage A - Correct answer-Bodily Injury and Property Damage
Insuring Agreement
The 3 Conditions that define work as "completed" - Correct answer-
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 - Correct answer-An accident, including continuous or
repeated exposure to substantially the same general harmful conditions.
accident - Correct answer-Sudden, unexpected event
The Difference between "Occurance" and "Claims Made" CGL
Coverages - Correct answer-The Coverage Trigger:
The Occurance Form applies to BI and PD regardless of any later time
at which the claim is made.
The Claims-Made Form applies only to BI and PD that occurs on or
after the "Retro-Active date"
Retro-Active Date - Correct answer-The date on which the coverage
legally began.
Basic Extended Reporting Period for CGL - Correct answer-60 Days
after expiration
