Florida Claims Adjuster Exam | Questions with Correct Answers | 33 Pages | Newest 2026 Update!!!!!!!!!!!!!

Florida Claims Adjuster Exam | Questions with Correct A
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nswers | 33 Pages | Newest 2026 Update!!!!!!!!!!!!!
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Frankgownedgaghomegthatgwasgdestroyedgbygaghurricane.gBothgABCgandgXYZgBanksgweregliste
dgasgadditionalginterestsgonghisghomeownergpolicy.gTheginsurancegcompanygwillgmakegagpayme
ntgto:g
A.gThegfirstgmortgagee,gABC
B.gThegInsured
C.gJointlygtogABCgandgXYZ
D.gAllglistedginterestsg-Answerg:gD.gAllglistedginterests
Remembergthatgtheginsurergisgnotgresponsiblegtogknowgthegdegreesgofginterest.gIngthegeventgofga
gloss,gonegpaymentgisgmadegbygtheginsurergandgitgisgupgtogthegadditionalginterestsgongworkinggout

gtheirgshare.

Insurancegappliesgseparatelygtogeachginsuredgasgifgotherginsuredsgdidgnotgexist.gThisgisgdefinedg
as:
A.gSeverability
B.gConditional
C.gWarranty
D.gNonegofgthegaboveg-Answerg:gA.gSeverability
Propertyginsurancegpoliciesgusuallygcontainga(n)g__________gclause,gstatinggtheginsuredgcann
otgdumpgdamagedgpropertygongtheginsurergandgdemandgitsgfullgvalue:
A.gProgRata
B.gAbandonment
C.gLiberalization
D.gAllgofgthegaboveg-Answerg:gB.gAbandonment
A(n)g__________gisgonegwhereingeconomicglossgwouldgbegsufferedgfromgangadverseghappenin
ggtogthegsubject:
A.gConditionalgContract
B.gPersonalgContract
C.gEconomicgContract
D.gInsurablegInterestg-Answerg:gD.gInsurablegInterest
Statesgthatgifgtheginsurergadoptsgagrevisiongwhichgwouldgbroadengcoveragegwithoutgadditionalgpr
emiumgwithingsomegperiodgofgtimegpriorgtogthegpolicygperiodgorgduringgthegpolicygperiod,gtheginsu
redgreceivesgthegbenefitgofgsuchgbroadenedgcoverage.
A.gCancellationgClause
B.gPolicygPeriod
C.gProgRata
D.gLiberalizationg-Answerg:gD.gLiberalization
Thegtimegframegisgtypicallyg60gdays.
Theg__________gstatesgthatgwhengtheregisgangunbrokengconnectiongbetweengangoccurrencega
1

,ndgdamagegthatggrowsgoutgofgthegoccurrence,gthengthegresultantgdamagegisgallgagpartgofgthegocc
urrence.
A.gDoctrinegofgProximategCause
B.gDoctrinegofgPerilsg&gHazards
C.gInsurancegPolicygHandbook
D.gDoctrinegofgPropertygInsuranceg-Answerg:gA.gDoctrinegofgProximategCause
Forgexample,gifgagpropertyginsurancegpolicygcoversgthegperilgofgfiregbutgfurthergdamagegisgcause
dgbygsmoke,gwatergusedgtogextinguish,gandgthegprocessgofgmovinggpropertygawayg-
gfiregisgconsideredgtogbegtheg*proximategcause*gofgallgofgthegdamage.

ThegLossgSettlementgValuationgthatgsubtractsgangallowancegforgdepreciationgisgdefinedgas?
A.gActualgCashgValue
B.gReplacementgCost
C.g"OldgforgNew"
D.gNonegofgthegAboveg-Answerg:gA.gActualgCashgValue
Agpolicygcondition,geithergbasedgonginformationgingtheginsured'sgapplicationgorginsertedgbygthegin
surer,gisgdefinedgas:
A.gWarranty
B.gMisrepresentation
C.gConcealment
D.gNonegofgthegAboveg-Answerg:gA.gWarranty
Thegfollowinggaregbasicgcharacteristicsgofgagpropertygorgliabilityginsurancegcontract,gexcept:
A.gPersonalgContract
B.gConditionalgContract
C.gLossgofgSettlementgContract
D.gContractgofgAdhesiong-Answerg:gC.gLossgofgSettlementgContract
ThegInsurer'sgresponsibilitygtogpaygforgagpropertyglossgmaygbegconditionedgongtheginsuredghavin
ggusedgreasonablegmeansgtogavoidgthegloss,gtogprotectgthegpropertygagainstgfurthergloss,gandgtog
givegtheginsurergproofgofgtheglossgisgdefinedgas?
A.gConditionalgContract
B.gAdhesiongContract
C.gIndemnitygContract
D.gAllgofgthegAboveg-Answerg:gA.gConditionalgContract
"maygbegconditioned"
Whichgofgthegfollowinggisgnotgonegofgtheg"Thresholds"gingtheg"No-Fault"glaw?
A.gDeathgofgthegInsured
B.gTemporarygInjurygofgthegInsured
C.gAgpermanentglossgofgagbodilygfunction
D.gPermanentgscarringgongthegfacegofgtheginsuredg-Answerg:gB.gTemporarygInjurygofgthegInsured
Alsogincluded:gpermanentginjurygothergthangscarringgandgdisfigurement
UndergMechanicalgBreakdowngCoverage,gnewgcarsgaregeligiblegforgservicegupgto:
A.g36gMonths/36,000gMiles
2

,B.g24gMonths/36,000gMiles
C.g12,000gMonths/12,000gMiles
D.g12gMonths/36,000gMilesg-Answerg:gA.g36gMonths/36,000gMiles
Usedgvehicles:g12gMonths/12,000gMiles
Ifgfinancialgresponsibilitygdoesn'tgexistgatgthegtimegofgangaccident,gwhichgofgthegfollowinggthingsg
mustghappengtogavoidgpenalties?
A.gTheglegallygvalidgclaimsgofgothersgmustgbegsatisfiedg(upgtog10/20/10)
B.gThegownergandgoperatorgmustgprovidegcertificationgofgfuturegresponsibilitygforgfuturegaccident
s
C.gBothgAg&gB
D.gNonegofgthegAboveg-Answerg:gC.gBothgAg&gB
Asgtogrequiredgproofgforgfuturegaccidentsgbygpurchasegofgautogliabilityginsurance,gtheginsurergmu
stgmakegagfilingg(FormgSR-
22)gcertifyinggthatgcoveragegisgingeffect,gandgthisgcertificationgmustgremaingongfilegforg_________
_gyears:g
A.g1
B.g3
C.g4
D.g2g-Answerg:gB.g3
ThegBusinessgAutomobilegPolicygincludesgallgofgthegfollowinggcoveragegformsgexcept:
A.gThegGaragegCoveragegForm
B.gThegTrailergInterchangegCoveragegForm
C.gThegTruckersgCoveragegForm
D.gThegBusinessgAutogCoveragegFormg-Answerg:gB.gThegTrailergInterchangegCoveragegForm
PersonalgInjurygProtection,gorgPIP,ghasgag__________gpergperson,gpergaccidentglimit.
A.g10,000
B.g20,000
C.g1,000
D.gDependsgongthegdamagedgpropertyg-Answerg:gA.g10,000
Usedgtoginsuregbusinessesgengagedgingselling,gservicing,grepairing,gparkinggorgstoringgautomob
iles:
A.gServicinggCoveragegForm
B.gGaragegCoveragegForm
C.gTruckersgCoveragegForm
D.gNonegofgthegAboveg-Answerg:gB.gGaragegCoveragegForm
Thegfollowinggexamplesgaregreferredgtogasg__________gliabilityglimits:g25/50/25gorg10/20/10.
A.gSplit
B.gSingle
C.gStraight
D.gNonegofgthegAboveg-Answerg:gA.gSplit
10/20/10g=g
3

, 10,000gpergpersonginjured
20,000gallginjuriesgcombined
10,000gpropertygdamage
Examplegofgstraightgliabilityglimitg=g$30,000
Jeremyghasgagnotgatgfaultgaccident.gIfgheghasgPIPgwithgag$1,000gdeductible,ghowgmuchgcanghege
xpectghisgPIPgcoveragegtogpaygtowardghisgmedicalgbillsgthatgtotalg$3,000?
A.g$1,600
B.g$1,000
C.g$2,400
D.g$3,000g-Answerg:gA.g$1,600
3000g(bills)g-g1000g(deductible)g=g
2000gxg.80g(eightygpercent)
Frankghasgagnot-at-
faultgaccident,gheghasgbasicgPIP,gnogdeductiblegandgMedgpaygofg$5,000.gHowgmuchgwillghisgMed
gPaygcontributegtogmedicalgbillsgofg$15,000?

A.g$15,000
B.g$5,000
C.g$3,000
D.g$0,gFrankgisgnot-at-faultg-Answerg:gB.g$5,000
MedicalgPaymentglimitsgapplygpergperson;gFrankgwillgreceivegfullgamountgtowardsgmedicalgbills.
WhichgofgthegfollowinggisgnotgonegofgthegratinggfactorsgforgagHomeowner'sgPolicy?
A.gTypegofgConstruction
B.gLocationgofgRisk
C.gAgeg&gGendergofgInsured
D.gProximitygtogFiregDepartmentg-Answerg:gC.gAgeg&gGendergofgInsured
OngagHomeowner'sgPolicy,gcoversgitemsgthatgaregnotgpermanentlygattachedgtogthegdwelling.gThi
sgisgdefinedgas:
A.gOthergStructures
B.gExcessgStructures
C.gPersonalgProperty
D.gDwellingg-Answerg:gA.gOthergStructures
Examplesgincludegsheds,gfences,gpoolghouses,gdetachedgcargports,getc.
Aglenderghasganginsurableginterestgingaghomegandgfindsgprotectiongingthe:
A.gLossgPayeegClause
B.gMortgageegClause
C.gLendergClause
D.gAdditionalgInsuredgClauseg-Answerg:gB.gMortgageegClause
Mortgageeg-gHomeowner'sgpolicy
LossgPayeeg-gAutomobilegpolicy
Whichgofgthegfollowinggformsgisg"all-risk"gongthegdwellinggpolicy?
A.gDP-1,gorgthegBasicgForm
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