Florida Claims Adjuster Exam 2026 NEW
LATEST UPDATE!!!!!
Frankfownedfafhomefthatfwasfdestroyedfbyfafhurricane.fBothfABCfandfXYZfBanksfwereflistedfasfadd
itionalfinterestsfonfhisfhomeownerfpolicy.fThefinsurancefcompanyfwillfmakefafpaymentfto:f
A.fTheffirstfmortgagee,fABC
B.fThefInsured
C.fJointlyftofABCfandfXYZ
D.fAllflistedfinterests D.fAllflistedfinterests
Rememberfthatfthefinsurerfisfnotfresponsibleftofknowfthefdegreesfoffinterest.fInfthefeventfoffafloss,fon
efpaymentfisfmadefbyfthefinsurerfandfitfisfupftofthefadditionalfinterestsfonfworkingfoutftheirfshare.
Insurancefappliesfseparatelyftofeachfinsuredfasfiffotherfinsuredsfdidfnotfexist.fThisfisfdefinedfas:
A.fSeverability
B.fConditional
C.fWarranty
D.fNonefoffthefabove A.fSeverability
Propertyfinsurancefpoliciesfusuallyfcontainfa(n)f__________fclause,fstatingfthefinsuredfcannotfdum
pfdamagedfpropertyfonfthefinsurerfandfdemandfitsffullfvalue:
A.fProfRata
B.fAbandonment
C.fLiberalization
D.fAllfoffthefabove B.fAbandonment
A(n)f__________fisfonefwhereinfeconomicflossfwouldfbefsufferedffromfanfadversefhappeningftofthef
subject:
A.fConditionalfContract
B.fPersonalfContract
C.fEconomicfContract
D.fInsurablefInterest D.fInsurablefInterest
Statesfthatfiffthefinsurerfadoptsfafrevisionfwhichfwouldfbroadenfcoveragefwithoutfadditionalfpremiu
mfwithinfsomefperiodfofftimefpriorftofthefpolicyfperiodforfduringfthefpolicyfperiod,fthefinsuredfreceiv
esfthefbenefitfoffsuchfbroadenedfcoverage.
A.fCancellationfClause
B.fPolicyfPeriod
C.fProfRata
D.fLiberalization D.fLiberalization
Theftimefframefisftypicallyf60fdays.
Thef__________fstatesfthatfwhenftherefisfanfunbrokenfconnectionfbetweenfanfoccurrencefandfdamag
efthatfgrowsfoutfoffthefoccurrence,fthenfthefresultantfdamagefisfallfafpartfoffthefoccurrence.
A.fDoctrinefoffProximatefCause
B.fDoctrinefoffPerilsf&fHazards
C.fInsurancefPolicyfHandbook
D.fDoctrinefoffPropertyfInsurance A.fDoctrinefoffProximatefCause
,Forfexample,fiffafpropertyfinsurancefpolicyfcoversfthefperilfofffirefbutffurtherfdamagefisfcausedfbyfsm
oke,fwaterfusedftofextinguish,fandfthefprocessfoffmovingfpropertyfawayf-
ffirefisfconsideredftofbefthef*proximatefcause*foffallfoffthefdamage.
ThefLossfSettlementfValuationfthatfsubtractsfanfallowancefforfdepreciationfisfdefinedfas?
A.fActualfCashfValue
B.fReplacementfCost
C.f"OldfforfNew"
D.fNonefoffthefAbove A.fActualfCashfValue
Afpolicyfcondition,feitherfbasedfonfinformationfinfthefinsured'sfapplicationforfinsertedfbyfthefinsurer,f
isfdefinedfas:
A.fWarranty
B.fMisrepresentation
C.fConcealment
D.fNonefoffthefAbove A.fWarranty
Theffollowingfarefbasicfcharacteristicsfoffafpropertyforfliabilityfinsurancefcontract,fexcept:
A.fPersonalfContract
B.fConditionalfContract
C.fLossfoffSettlementfContract
D.fContractfoffAdhesion C.fLossfoffSettlementfContract
ThefInsurer'sfresponsibilityftofpayfforfafpropertyflossfmayfbefconditionedfonfthefinsuredfhavingfusedfr
easonablefmeansftofavoidfthefloss,ftofprotectfthefpropertyfagainstffurtherfloss,fandftofgivefthefinsurerfp
rooffofftheflossfisfdefinedfas?
A.fConditionalfContract
B.fAdhesionfContract
C.fIndemnityfContract
D.fAllfoffthefAbove A.fConditionalfContract
"mayfbefconditioned"
Whichfofftheffollowingfisfnotfonefoffthef"Thresholds"finfthef"No-Fault"flaw?
A.fDeathfoffthefInsured
B.fTemporaryfInjuryfoffthefInsured
C.fAfpermanentflossfoffafbodilyffunction
D.fPermanentfscarringfonftheffacefoffthefinsured B.fTemporaryfInjuryfoffthefInsured
Alsofincluded:fpermanentfinjuryfotherfthanfscarringfandfdisfigurement
UnderfMechanicalfBreakdownfCoverage,fnewfcarsfarefeligiblefforfservicefupfto:
A.f36fMonths/36,000fMiles
B.f24fMonths/36,000fMiles
C.f12,000fMonths/12,000fMiles
D.f12fMonths/36,000fMiles A.f36fMonths/36,000fMiles
Usedfvehicles:f12fMonths/12,000fMiles
Ifffinancialfresponsibilityfdoesn'tfexistfatftheftimefoffanfaccident,fwhichfofftheffollowingfthingsfmustf
happenftofavoidfpenalties?
A.fTheflegallyfvalidfclaimsfoffothersfmustfbefsatisfiedf(upftof10/20/10)
B.fThefownerfandfoperatorfmustfprovidefcertificationfofffuturefresponsibilityfforffuturefaccidents
C.fBothfAf&fB
D.fNonefoffthefAbove C.fBothfAf&fB
, Asftofrequiredfprooffforffuturefaccidentsfbyfpurchasefoffautofliabilityfinsurance,fthefinsurerfmustfmak
efaffilingf(FormfSR-
22)fcertifyingfthatfcoveragefisfinfeffect,fandfthisfcertificationfmustfremainfonffilefforf__________fyea
rs:f
A.f1
B.f3
C.f4
D.f2 B.f3
ThefBusinessfAutomobilefPolicyfincludesfallfofftheffollowingfcoveragefformsfexcept:
A.fThefGaragefCoveragefForm
B.fThefTrailerfInterchangefCoveragefForm
C.fThefTruckersfCoveragefForm
D.fThefBusinessfAutofCoveragefForm B.fThefTrailerfInterchangefCoveragefForm
PersonalfInjuryfProtection,forfPIP,fhasfaf__________fperfperson,fperfaccidentflimit.
A.f10,000
B.f20,000
C.f1,000
D.fDependsfonfthefdamagedfproperty A.f10,000
Usedftofinsurefbusinessesfengagedfinfselling,fservicing,frepairing,fparkingforfstoringfautomobiles:
A.fServicingfCoveragefForm
B.fGaragefCoveragefForm
C.fTruckersfCoveragefForm
D.fNonefoffthefAbove B.fGaragefCoveragefForm
Theffollowingfexamplesfarefreferredftofasf__________fliabilityflimits:f25/50/25forf10/20/10.
A.fSplit
B.fSingle
C.fStraight
D.fNonefoffthefAbove A.fSplit
10/20/10f=f
10,000fperfpersonfinjured
20,000fallfinjuriesfcombined
10,000fpropertyfdamage
Examplefoffstraightfliabilityflimitf=f$30,000
Jeremyfhasfafnotfatffaultfaccident.fIffhefhasfPIPfwithfaf$1,000fdeductible,fhowfmuchfcanfhefexpectfhisf
PIPfcoverageftofpayftowardfhisfmedicalfbillsfthatftotalf$3,000?
A.f$1,600
B.f$1,000
C.f$2,400
D.f$3,000 A.f$1,600
3000f(bills)f-f1000f(deductible)f=f
2000fxf.80f(eightyfpercent)
Frankfhasfafnot-at-
faultfaccident,fhefhasfbasicfPIP,fnofdeductiblefandfMedfpayfoff$5,000.fHowfmuchfwillfhisfMedfPayfco
ntributeftofmedicalfbillsfoff$15,000?
A.f$15,000
B.f$5,000
LATEST UPDATE!!!!!
Frankfownedfafhomefthatfwasfdestroyedfbyfafhurricane.fBothfABCfandfXYZfBanksfwereflistedfasfadd
itionalfinterestsfonfhisfhomeownerfpolicy.fThefinsurancefcompanyfwillfmakefafpaymentfto:f
A.fTheffirstfmortgagee,fABC
B.fThefInsured
C.fJointlyftofABCfandfXYZ
D.fAllflistedfinterests D.fAllflistedfinterests
Rememberfthatfthefinsurerfisfnotfresponsibleftofknowfthefdegreesfoffinterest.fInfthefeventfoffafloss,fon
efpaymentfisfmadefbyfthefinsurerfandfitfisfupftofthefadditionalfinterestsfonfworkingfoutftheirfshare.
Insurancefappliesfseparatelyftofeachfinsuredfasfiffotherfinsuredsfdidfnotfexist.fThisfisfdefinedfas:
A.fSeverability
B.fConditional
C.fWarranty
D.fNonefoffthefabove A.fSeverability
Propertyfinsurancefpoliciesfusuallyfcontainfa(n)f__________fclause,fstatingfthefinsuredfcannotfdum
pfdamagedfpropertyfonfthefinsurerfandfdemandfitsffullfvalue:
A.fProfRata
B.fAbandonment
C.fLiberalization
D.fAllfoffthefabove B.fAbandonment
A(n)f__________fisfonefwhereinfeconomicflossfwouldfbefsufferedffromfanfadversefhappeningftofthef
subject:
A.fConditionalfContract
B.fPersonalfContract
C.fEconomicfContract
D.fInsurablefInterest D.fInsurablefInterest
Statesfthatfiffthefinsurerfadoptsfafrevisionfwhichfwouldfbroadenfcoveragefwithoutfadditionalfpremiu
mfwithinfsomefperiodfofftimefpriorftofthefpolicyfperiodforfduringfthefpolicyfperiod,fthefinsuredfreceiv
esfthefbenefitfoffsuchfbroadenedfcoverage.
A.fCancellationfClause
B.fPolicyfPeriod
C.fProfRata
D.fLiberalization D.fLiberalization
Theftimefframefisftypicallyf60fdays.
Thef__________fstatesfthatfwhenftherefisfanfunbrokenfconnectionfbetweenfanfoccurrencefandfdamag
efthatfgrowsfoutfoffthefoccurrence,fthenfthefresultantfdamagefisfallfafpartfoffthefoccurrence.
A.fDoctrinefoffProximatefCause
B.fDoctrinefoffPerilsf&fHazards
C.fInsurancefPolicyfHandbook
D.fDoctrinefoffPropertyfInsurance A.fDoctrinefoffProximatefCause
,Forfexample,fiffafpropertyfinsurancefpolicyfcoversfthefperilfofffirefbutffurtherfdamagefisfcausedfbyfsm
oke,fwaterfusedftofextinguish,fandfthefprocessfoffmovingfpropertyfawayf-
ffirefisfconsideredftofbefthef*proximatefcause*foffallfoffthefdamage.
ThefLossfSettlementfValuationfthatfsubtractsfanfallowancefforfdepreciationfisfdefinedfas?
A.fActualfCashfValue
B.fReplacementfCost
C.f"OldfforfNew"
D.fNonefoffthefAbove A.fActualfCashfValue
Afpolicyfcondition,feitherfbasedfonfinformationfinfthefinsured'sfapplicationforfinsertedfbyfthefinsurer,f
isfdefinedfas:
A.fWarranty
B.fMisrepresentation
C.fConcealment
D.fNonefoffthefAbove A.fWarranty
Theffollowingfarefbasicfcharacteristicsfoffafpropertyforfliabilityfinsurancefcontract,fexcept:
A.fPersonalfContract
B.fConditionalfContract
C.fLossfoffSettlementfContract
D.fContractfoffAdhesion C.fLossfoffSettlementfContract
ThefInsurer'sfresponsibilityftofpayfforfafpropertyflossfmayfbefconditionedfonfthefinsuredfhavingfusedfr
easonablefmeansftofavoidfthefloss,ftofprotectfthefpropertyfagainstffurtherfloss,fandftofgivefthefinsurerfp
rooffofftheflossfisfdefinedfas?
A.fConditionalfContract
B.fAdhesionfContract
C.fIndemnityfContract
D.fAllfoffthefAbove A.fConditionalfContract
"mayfbefconditioned"
Whichfofftheffollowingfisfnotfonefoffthef"Thresholds"finfthef"No-Fault"flaw?
A.fDeathfoffthefInsured
B.fTemporaryfInjuryfoffthefInsured
C.fAfpermanentflossfoffafbodilyffunction
D.fPermanentfscarringfonftheffacefoffthefinsured B.fTemporaryfInjuryfoffthefInsured
Alsofincluded:fpermanentfinjuryfotherfthanfscarringfandfdisfigurement
UnderfMechanicalfBreakdownfCoverage,fnewfcarsfarefeligiblefforfservicefupfto:
A.f36fMonths/36,000fMiles
B.f24fMonths/36,000fMiles
C.f12,000fMonths/12,000fMiles
D.f12fMonths/36,000fMiles A.f36fMonths/36,000fMiles
Usedfvehicles:f12fMonths/12,000fMiles
Ifffinancialfresponsibilityfdoesn'tfexistfatftheftimefoffanfaccident,fwhichfofftheffollowingfthingsfmustf
happenftofavoidfpenalties?
A.fTheflegallyfvalidfclaimsfoffothersfmustfbefsatisfiedf(upftof10/20/10)
B.fThefownerfandfoperatorfmustfprovidefcertificationfofffuturefresponsibilityfforffuturefaccidents
C.fBothfAf&fB
D.fNonefoffthefAbove C.fBothfAf&fB
, Asftofrequiredfprooffforffuturefaccidentsfbyfpurchasefoffautofliabilityfinsurance,fthefinsurerfmustfmak
efaffilingf(FormfSR-
22)fcertifyingfthatfcoveragefisfinfeffect,fandfthisfcertificationfmustfremainfonffilefforf__________fyea
rs:f
A.f1
B.f3
C.f4
D.f2 B.f3
ThefBusinessfAutomobilefPolicyfincludesfallfofftheffollowingfcoveragefformsfexcept:
A.fThefGaragefCoveragefForm
B.fThefTrailerfInterchangefCoveragefForm
C.fThefTruckersfCoveragefForm
D.fThefBusinessfAutofCoveragefForm B.fThefTrailerfInterchangefCoveragefForm
PersonalfInjuryfProtection,forfPIP,fhasfaf__________fperfperson,fperfaccidentflimit.
A.f10,000
B.f20,000
C.f1,000
D.fDependsfonfthefdamagedfproperty A.f10,000
Usedftofinsurefbusinessesfengagedfinfselling,fservicing,frepairing,fparkingforfstoringfautomobiles:
A.fServicingfCoveragefForm
B.fGaragefCoveragefForm
C.fTruckersfCoveragefForm
D.fNonefoffthefAbove B.fGaragefCoveragefForm
Theffollowingfexamplesfarefreferredftofasf__________fliabilityflimits:f25/50/25forf10/20/10.
A.fSplit
B.fSingle
C.fStraight
D.fNonefoffthefAbove A.fSplit
10/20/10f=f
10,000fperfpersonfinjured
20,000fallfinjuriesfcombined
10,000fpropertyfdamage
Examplefoffstraightfliabilityflimitf=f$30,000
Jeremyfhasfafnotfatffaultfaccident.fIffhefhasfPIPfwithfaf$1,000fdeductible,fhowfmuchfcanfhefexpectfhisf
PIPfcoverageftofpayftowardfhisfmedicalfbillsfthatftotalf$3,000?
A.f$1,600
B.f$1,000
C.f$2,400
D.f$3,000 A.f$1,600
3000f(bills)f-f1000f(deductible)f=f
2000fxf.80f(eightyfpercent)
Frankfhasfafnot-at-
faultfaccident,fhefhasfbasicfPIP,fnofdeductiblefandfMedfpayfoff$5,000.fHowfmuchfwillfhisfMedfPayfco
ntributeftofmedicalfbillsfoff$15,000?
A.f$15,000
B.f$5,000
