Florida Claims Adjuster Exam | 206 Questions with Correct Answers | A Grade Assured | Newest 2026 Update!!!!!!!

Florida Claims Adjuster Exam | 206 Questions with
Correct Answers | A Grade Assured | Newest 2026
Update!!!!!!!

Franklownedlalhomelthatlwasldestroyedlbylalhurricane.lBothlABClandlXYZlBankslwerellisted
lasladditionallinterestslonlhislhomeownerlpolicy.lThelinsurancelcompanylwilllmakelalpaymen

tlto:l
A.lThelfirstlmortgagee,lABC
B.lThelInsured
C.lJointlyltolABClandlXYZ
D.lAllllistedlinterestsl-lcorrectlanswerl:lD.lAllllistedlinterests
Rememberlthatlthelinsurerlislnotlresponsibleltolknowltheldegreesloflinterest.lInltheleventloflall
oss,lonelpaymentlislmadelbylthelinsurerlandlitlislupltoltheladditionallinterestslonlworkingloutlth
eirlshare.
Insurancelapplieslseparatelyltoleachlinsuredlasliflotherlinsuredsldidlnotlexist.lThislisldefinedl
as:
A.lSeverability
B.lConditional
C.lWarranty
D.lNoneloflthelabovel-lcorrectlanswerl:lA.lSeverability
Propertylinsurancelpolicieslusuallylcontainla(n)l__________lclause,lstatinglthelinsuredlcan
notldumpldamagedlpropertylonlthelinsurerlandldemandlitslfulllvalue:
A.lProlRata
B.lAbandonment
C.lLiberalization
D.lAllloflthelabovel-lcorrectlanswerl:lB.lAbandonment
A(n)l__________lislonelwhereinleconomicllosslwouldlbelsufferedlfromlanladverselhappenin
gltolthelsubject:
A.lConditionallContract
B.lPersonallContract
C.lEconomiclContract
D.lInsurablelInterestl-lcorrectlanswerl:lD.lInsurablelInterest
Stateslthatliflthelinsurerladoptslalrevisionlwhichlwouldlbroadenlcoveragelwithoutladditionallp
remiumlwithinlsomelperiodlofltimelpriorltolthelpolicylperiodlorlduringlthelpolicylperiod,lthelinsu
redlreceiveslthelbenefitloflsuchlbroadenedlcoverage.
A.lCancellationlClause
B.lPolicylPeriod
C.lProlRata
D.lLiberalizationl-lcorrectlanswerl:lD.lLiberalization
Theltimelframelisltypicallyl60ldays.
Thel__________lstateslthatlwhenltherelislanlunbrokenlconnectionlbetweenlanloccurrencela
ndldamagelthatlgrowsloutlofltheloccurrence,lthenlthelresultantldamagelislalllalpartlofltheloccu
rrence.

,A.lDoctrineloflProximatelCause
B.lDoctrineloflPerilsl&lHazards
C.lInsurancelPolicylHandbook
D.lDoctrineloflPropertylInsurancel-lcorrectlanswerl:lA.lDoctrineloflProximatelCause
Forlexample,liflalpropertylinsurancelpolicylcoverslthelperilloflfirelbutlfurtherldamagelislcaused
lbylsmoke,lwaterlusedltolextinguish,landlthelprocessloflmovinglpropertylawayl-

lfirelislconsideredltolbelthel*proximatelcause*loflalllofltheldamage.

ThelLosslSettlementlValuationlthatlsubtractslanlallowancelforldepreciationlisldefinedlas?
A.lActuallCashlValue
B.lReplacementlCost
C.l"OldlforlNew"
D.lNoneloflthelAbovel-lcorrectlanswerl:lA.lActuallCashlValue
Alpolicylcondition,leitherlbasedlonlinformationlinlthelinsured'slapplicationlorlinsertedlbylthelin
surer,lisldefinedlas:
A.lWarranty
B.lMisrepresentation
C.lConcealment
D.lNoneloflthelAbovel-lcorrectlanswerl:lA.lWarranty
Thelfollowinglarelbasiclcharacteristicsloflalpropertylorlliabilitylinsurancelcontract,lexcept:
A.lPersonallContract
B.lConditionallContract
C.lLossloflSettlementlContract
D.lContractloflAdhesionl-lcorrectlanswerl:lC.lLossloflSettlementlContract
ThelInsurer'slresponsibilityltolpaylforlalpropertyllosslmaylbelconditionedlonlthelinsuredlhavin
glusedlreasonablelmeansltolavoidlthelloss,ltolprotectlthelpropertylagainstlfurtherlloss,landltol
givelthelinsurerlproofloflthellosslisldefinedlas?
A.lConditionallContract
B.lAdhesionlContract
C.lIndemnitylContract
D.lAllloflthelAbovel-lcorrectlanswerl:lA.lConditionallContract
"maylbelconditioned"
Whichloflthelfollowinglislnotloneloflthel"Thresholds"linlthel"No-Fault"llaw?
A.lDeathloflthelInsured
B.lTemporarylInjuryloflthelInsured
C.lAlpermanentllossloflalbodilylfunction
D.lPermanentlscarringlonlthelfaceloflthelinsuredl-
lcorrectlanswerl:lB.lTemporarylInjuryloflthelInsured

Alsolincluded:lpermanentlinjurylotherlthanlscarringlandldisfigurement
UnderlMechanicallBreakdownlCoverage,lnewlcarslareleligiblelforlserviceluplto:
A.l36lMonths/36,000lMiles
B.l24lMonths/36,000lMiles
C.l12,000lMonths/12,000lMiles
D.l12lMonths/36,000lMilesl-lcorrectlanswerl:lA.l36lMonths/36,000lMiles
Usedlvehicles:l12lMonths/12,000lMiles
Iflfinanciallresponsibilityldoesn'tlexistlatltheltimeloflanlaccident,lwhichloflthelfollowinglthingslm
ustlhappenltolavoidlpenalties?

, A.lThellegallylvalidlclaimsloflotherslmustlbelsatisfiedl(upltol10/20/10)
B.lThelownerlandloperatorlmustlprovidelcertificationloflfuturelresponsibilitylforlfuturelacciden
ts
C.lBothlAl&lB
D.lNoneloflthelAbovel-lcorrectlanswerl:lC.lBothlAl&lB
Asltolrequiredlprooflforlfuturelaccidentslbylpurchaseloflautolliabilitylinsurance,lthelinsurerlmu
stlmakelalfilingl(FormlSR-
22)lcertifyinglthatlcoveragelislinleffect,landlthislcertificationlmustlremainlonlfilelforl_________
_lyears:l
A.l1
B.l3
C.l4
D.l2l-lcorrectlanswerl:lB.l3
ThelBusinesslAutomobilelPolicylincludeslallloflthelfollowinglcoveragelformslexcept:
A.lThelGaragelCoveragelForm
B.lThelTrailerlInterchangelCoveragelForm
C.lThelTruckerslCoveragelForm
D.lThelBusinesslAutolCoveragelForml-
lcorrectlanswerl:lB.lThelTrailerlInterchangelCoveragelForm

PersonallInjurylProtection,lorlPIP,lhaslal__________lperlperson,lperlaccidentllimit.
A.l10,000
B.l20,000
C.l1,000
D.lDependslonltheldamagedlpropertyl-lcorrectlanswerl:lA.l10,000
Usedltolinsurelbusinesseslengagedlinlselling,lservicing,lrepairing,lparkinglorlstoringlautomo
biles:
A.lServicinglCoveragelForm
B.lGaragelCoveragelForm
C.lTruckerslCoveragelForm
D.lNoneloflthelAbovel-lcorrectlanswerl:lB.lGaragelCoveragelForm
Thelfollowinglexampleslarelreferredltolasl__________lliabilityllimits:l25/50/25lorl10/20/10.
A.lSplit
B.lSingle
C.lStraight
D.lNoneloflthelAbovel-lcorrectlanswerl:lA.lSplit
10/20/10l=l
10,000lperlpersonlinjured
20,000lalllinjurieslcombined
10,000lpropertyldamage
Exampleloflstraightlliabilityllimitl=l$30,000
Jeremylhaslalnotlatlfaultlaccident.lIflhelhaslPIPlwithlal$1,000ldeductible,lhowlmuchlcanlhelex
pectlhislPIPlcoverageltolpayltowardlhislmedicallbillslthatltotall$3,000?
A.l$1,600
B.l$1,000
C.l$2,400
D.l$3,000l-lcorrectlanswerl:lA.l$1,600