2025–2026 | Florida 3-20 Public Adjuster License Exam Prep | Complete
Property & Casualty Claims Study Guide with Verified Exam Questions,
Correct Answers, Detailed Rationales, Policy Interpretation, Ethics,
Florida Statutes & First-Attempt Pass Strategy
Question 1:
What is the primary role of a public adjuster?
• A) To represent insurance companies during a claim process
• B) To assist policyholders in filing and negotiating insurance claims
• C) To act as a lawyer in legal proceedings
• D) To evaluate damages for the insurance company
CORRECT ANSWER: B
Rationale: Public adjusters work on behalf of the policyholders to help them navigate
the claims process, ensuring they receive a fair settlement based on their policy.
Question 2:
Which of the following is a requirement to become a licensed public adjuster in Florida?
• A) Completing a state-approved pre-licensing course
• B) Passing a criminal background check
• C) Holding a law degree
• D) Being employed by an insurance company for at least two years
CORRECT ANSWER: A
Rationale: Florida law requires candidates to complete a state-approved pre-licensing
course to ensure they have the necessary knowledge before taking the licensing exam.
Question 3:
What must a public adjuster do when it comes to fees charged for their services?
• A) Charge any amount they desire
• B) Based their fees solely on a percentage of the claim amount
• C) Provide a written contract outlining their fees
• D) Only charge after the claim is settled
CORRECT ANSWER: C
,2025–2026 | Florida 3-20 Public Adjuster License Exam Prep | Complete
Property & Casualty Claims Study Guide with Verified Exam Questions,
Correct Answers, Detailed Rationales, Policy Interpretation, Ethics,
Florida Statutes & First-Attempt Pass Strategy
Rationale: Public adjusters are required to provide a written contract that clearly
outlines their fees and terms of service, promoting transparency and protecting the
consumer.
Question 4:
Which type of insurance policy typically requires a public adjuster’s services?
• A) Life insurance
• B) Health insurance
• C) Property insurance
• D) Auto insurance
CORRECT ANSWER: C
Rationale: Public adjusters primarily handle property insurance claims, aiding
policyholders in receiving fair compensation for property damage.
Question 5:
What is the maximum fee a public adjuster can charge in Florida for property damage
claims?
• A) 10%
• B) 15%
• C) 20%
• D) 20% for claims over $10,000
CORRECT ANSWER: D
Rationale: In Florida, public adjusters can charge a maximum fee of 20% for claims
over $10,000, ensuring regulation of the fee structure.
Question 6:
What is the maximum duration for which an applicant's criminal history can be
considered when applying for a public adjuster license in Florida?
• A) 5 years
• B) 7 years
• C) 10 years
, 2025–2026 | Florida 3-20 Public Adjuster License Exam Prep | Complete
Property & Casualty Claims Study Guide with Verified Exam Questions,
Correct Answers, Detailed Rationales, Policy Interpretation, Ethics,
Florida Statutes & First-Attempt Pass Strategy
• D) No limitation
CORRECT ANSWER: C
Rationale: Florida considers criminal history for up to 10 years during the licensing
process, allowing applicants with minor offenses to demonstrate rehabilitation.
Question 7:
Which of the following is not a duty of a public adjuster?
• A) Appraising damages
• B) Negotiating claims
• C) Investigating criminal activity
• D) Assisting clients with claim documentation
CORRECT ANSWER: C
Rationale: Public adjusters do not investigate criminal activities; their role focuses on
assisting clients with claims and damage assessments.
Question 8:
In Florida, what action must a public adjuster take immediately after preparing a written
estimate for a claim?
• A) Notify the policyholder
• B) Submit it to the insurance company
• C) Archive it for future reference
• D) Present it during court hearings
CORRECT ANSWER: A
Rationale: Public adjusters are required to inform policyholders of the details in their
written estimates to ensure transparency and prepare them for the claims process.
Question 9:
What is a common limitation in a public adjuster's contract?
• A) They must charge a fee
Property & Casualty Claims Study Guide with Verified Exam Questions,
Correct Answers, Detailed Rationales, Policy Interpretation, Ethics,
Florida Statutes & First-Attempt Pass Strategy
Question 1:
What is the primary role of a public adjuster?
• A) To represent insurance companies during a claim process
• B) To assist policyholders in filing and negotiating insurance claims
• C) To act as a lawyer in legal proceedings
• D) To evaluate damages for the insurance company
CORRECT ANSWER: B
Rationale: Public adjusters work on behalf of the policyholders to help them navigate
the claims process, ensuring they receive a fair settlement based on their policy.
Question 2:
Which of the following is a requirement to become a licensed public adjuster in Florida?
• A) Completing a state-approved pre-licensing course
• B) Passing a criminal background check
• C) Holding a law degree
• D) Being employed by an insurance company for at least two years
CORRECT ANSWER: A
Rationale: Florida law requires candidates to complete a state-approved pre-licensing
course to ensure they have the necessary knowledge before taking the licensing exam.
Question 3:
What must a public adjuster do when it comes to fees charged for their services?
• A) Charge any amount they desire
• B) Based their fees solely on a percentage of the claim amount
• C) Provide a written contract outlining their fees
• D) Only charge after the claim is settled
CORRECT ANSWER: C
,2025–2026 | Florida 3-20 Public Adjuster License Exam Prep | Complete
Property & Casualty Claims Study Guide with Verified Exam Questions,
Correct Answers, Detailed Rationales, Policy Interpretation, Ethics,
Florida Statutes & First-Attempt Pass Strategy
Rationale: Public adjusters are required to provide a written contract that clearly
outlines their fees and terms of service, promoting transparency and protecting the
consumer.
Question 4:
Which type of insurance policy typically requires a public adjuster’s services?
• A) Life insurance
• B) Health insurance
• C) Property insurance
• D) Auto insurance
CORRECT ANSWER: C
Rationale: Public adjusters primarily handle property insurance claims, aiding
policyholders in receiving fair compensation for property damage.
Question 5:
What is the maximum fee a public adjuster can charge in Florida for property damage
claims?
• A) 10%
• B) 15%
• C) 20%
• D) 20% for claims over $10,000
CORRECT ANSWER: D
Rationale: In Florida, public adjusters can charge a maximum fee of 20% for claims
over $10,000, ensuring regulation of the fee structure.
Question 6:
What is the maximum duration for which an applicant's criminal history can be
considered when applying for a public adjuster license in Florida?
• A) 5 years
• B) 7 years
• C) 10 years
, 2025–2026 | Florida 3-20 Public Adjuster License Exam Prep | Complete
Property & Casualty Claims Study Guide with Verified Exam Questions,
Correct Answers, Detailed Rationales, Policy Interpretation, Ethics,
Florida Statutes & First-Attempt Pass Strategy
• D) No limitation
CORRECT ANSWER: C
Rationale: Florida considers criminal history for up to 10 years during the licensing
process, allowing applicants with minor offenses to demonstrate rehabilitation.
Question 7:
Which of the following is not a duty of a public adjuster?
• A) Appraising damages
• B) Negotiating claims
• C) Investigating criminal activity
• D) Assisting clients with claim documentation
CORRECT ANSWER: C
Rationale: Public adjusters do not investigate criminal activities; their role focuses on
assisting clients with claims and damage assessments.
Question 8:
In Florida, what action must a public adjuster take immediately after preparing a written
estimate for a claim?
• A) Notify the policyholder
• B) Submit it to the insurance company
• C) Archive it for future reference
• D) Present it during court hearings
CORRECT ANSWER: A
Rationale: Public adjusters are required to inform policyholders of the details in their
written estimates to ensure transparency and prepare them for the claims process.
Question 9:
What is a common limitation in a public adjuster's contract?
• A) They must charge a fee
