FLORIDA ADJUSTER LICENSE EXAM
PRACTICE QUESTIONS WITH CORRECT
ANSWERS (VERIFIED ANSWERS) PLUS
RATIONALES 2026 Q&A | INSTANT
DOWNLOAD PDF
1. Which of the following best describes an adjuster’s primary
responsibility?
A. Investigating and evaluating insurance claims
B. Writing insurance policies
C. Selling insurance
D. Collecting premiums
The adjuster’s main role is to investigate claims and determine the
extent of the insurer’s liability.
2. A public adjuster is hired by:
A. The insurance company
B. The policyholder
C. A third-party contractor
D. The state insurance department
Public adjusters represent the insured, not the insurance company.
3. Which type of adjuster represents the insurance company in a
claim?
A. Public adjuster
B. Independent adjuster
C. Staff adjuster
, D. Third-party adjuster
Staff adjusters are employees of the insurance company.
4. In Florida, an adjuster must complete how many hours of
continuing education every license renewal period?
A. 10 hours
B. 12 hours
C. 24 hours
D. 40 hours
Florida law requires 24 hours of continuing education every 2
years for adjusters.
5. Which of the following is required before an individual can act as
a claims adjuster in Florida?
A. Proof of college education
B. Licensing by the Florida Department of Financial Services
C. Employment by a licensed insurance company
D. Completion of an internship
Adjusters must be licensed by the Florida Department of Financial
Services to legally adjust claims.
6. An adjuster may be held liable for:
A. Policy cancellations
B. Misrepresentation or unfair claims practices
C. Setting insurance rates
D. Determining premiums
Adjusters must act fairly and accurately; misrepresentation can
lead to penalties.
7. Which of the following is an example of an unfair claims
settlement practice?
A. Paying a valid claim promptly
B. Deliberately undervaluing a claim without justification
, C. Requesting proof of loss
D. Investigating a claim thoroughly
Unfair claims practices include undervaluing or delaying claims
without valid reasons.
8. A “binder” issued by an adjuster refers to:
A. A claim investigation report
B. Temporary insurance coverage before a policy is issued
C. A contract cancellation
D. A repair estimate
Binders provide temporary coverage until the formal policy is in
effect.
9. Which of the following types of insurance claims would a property
adjuster typically handle?
A. Life insurance
B. Health insurance
C. Homeowners insurance
D. Disability insurance
Property adjusters specialize in property-related claims such as
homes, businesses, and personal property.
10. An adjuster’s duty to maintain confidentiality applies to:
A. Only clients
B. Only the insurance company
C. Only third parties
D. All parties involved in the claim
Confidential information obtained during claims handling must
not be disclosed improperly.
11. When investigating a claim, an adjuster should first:
A. Determine liability
B. Collect payment
PRACTICE QUESTIONS WITH CORRECT
ANSWERS (VERIFIED ANSWERS) PLUS
RATIONALES 2026 Q&A | INSTANT
DOWNLOAD PDF
1. Which of the following best describes an adjuster’s primary
responsibility?
A. Investigating and evaluating insurance claims
B. Writing insurance policies
C. Selling insurance
D. Collecting premiums
The adjuster’s main role is to investigate claims and determine the
extent of the insurer’s liability.
2. A public adjuster is hired by:
A. The insurance company
B. The policyholder
C. A third-party contractor
D. The state insurance department
Public adjusters represent the insured, not the insurance company.
3. Which type of adjuster represents the insurance company in a
claim?
A. Public adjuster
B. Independent adjuster
C. Staff adjuster
, D. Third-party adjuster
Staff adjusters are employees of the insurance company.
4. In Florida, an adjuster must complete how many hours of
continuing education every license renewal period?
A. 10 hours
B. 12 hours
C. 24 hours
D. 40 hours
Florida law requires 24 hours of continuing education every 2
years for adjusters.
5. Which of the following is required before an individual can act as
a claims adjuster in Florida?
A. Proof of college education
B. Licensing by the Florida Department of Financial Services
C. Employment by a licensed insurance company
D. Completion of an internship
Adjusters must be licensed by the Florida Department of Financial
Services to legally adjust claims.
6. An adjuster may be held liable for:
A. Policy cancellations
B. Misrepresentation or unfair claims practices
C. Setting insurance rates
D. Determining premiums
Adjusters must act fairly and accurately; misrepresentation can
lead to penalties.
7. Which of the following is an example of an unfair claims
settlement practice?
A. Paying a valid claim promptly
B. Deliberately undervaluing a claim without justification
, C. Requesting proof of loss
D. Investigating a claim thoroughly
Unfair claims practices include undervaluing or delaying claims
without valid reasons.
8. A “binder” issued by an adjuster refers to:
A. A claim investigation report
B. Temporary insurance coverage before a policy is issued
C. A contract cancellation
D. A repair estimate
Binders provide temporary coverage until the formal policy is in
effect.
9. Which of the following types of insurance claims would a property
adjuster typically handle?
A. Life insurance
B. Health insurance
C. Homeowners insurance
D. Disability insurance
Property adjusters specialize in property-related claims such as
homes, businesses, and personal property.
10. An adjuster’s duty to maintain confidentiality applies to:
A. Only clients
B. Only the insurance company
C. Only third parties
D. All parties involved in the claim
Confidential information obtained during claims handling must
not be disclosed improperly.
11. When investigating a claim, an adjuster should first:
A. Determine liability
B. Collect payment
