Florida Claims Adjuster Exam 2026 – 200+ Questions with 100% Correct Answers Complete Practice Test and Study Guide

Florida Claims Adjuster Exam – 200+ Practice
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Questions with Correct Answers and Complete
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Study Guide
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THIS EXAM INCLUDES:
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• Florida Claims Adjuster Exam
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• 200+ Practice Questions
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• Questions with Correct Answers x x x




• All graded A+
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• Complete Study Guide x x




• Assured pass x

,Florida Claims Adjuster Examx x x




1. Frank owned a home destroyed by a hurricane. Both ABC and XYZ Banks were
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listed as additional interests on his homeowner policy. The insurance company will
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make a payment to:
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• A) The first mortgagee, ABC
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• B) The insured x x




• C) Jointly to ABC and XYZ
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• D) All listed interests
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2. Insurance applies separately to each insured as if other insureds did not exist.
x x x x x x x x x x x x x



This is defined as:
x x x x




• A) Severability x x




• B) Conditional x




• C) Warranty x




• D) None of the abovex x x x




3. Property insurance policies usually contain a clause stating the insured cannot
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dump damaged property on the insurer and demand its full value. This is the:
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• A) Pro rata clause x x x




• B) Abandonment clause
x x x




• C) Liberalization clause
x x




• D) All of the above x x x x




4. A(n) _____ is one wherein economic loss would be suffered from an adverse
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happening to the subject:
x x x x




• A) Conditional contract
x x




• B) Personal contractx x




• C) Economic contractx x

, • D) Insurable interest
x x x




5. The clause that states if the insurer adopts a revision broadening coverage
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without additional premium within a period prior to or during the policy period,
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the insured receives the benefit of such broadened coverage is called:
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• A) Cancellation clause
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• B) Policy period
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• C) Pro rata x x




• D) Liberalization
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6. The doctrine that states when there is an unbroken connection between an
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occurrence and damage that grows out of the occurrence, the resultant damage is
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all part of the occurrence is the:
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• A) Doctrine of Proximate Cause
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• B) Doctrine of Perils & Hazards
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• C) Insurance Policy Handbook
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• D) Doctrine of Property Insurance
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7. The loss settlement valuation that subtracts an allowance for depreciation is
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defined as:
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• A) Actual Cash Value
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• B) Replacement cost
x x




• C) "Old for new"
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• D) None of the above
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8. A policy condition, either based on information in the insured's application or
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inserted by the insurer, is defined as a(n):
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• A) Warranty x x




• B) Misrepresentation
x

, • C) Concealment
x




• D) None of the above
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9. Which of the following is NOT a basic characteristic of a property or liability
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insurance contract?
x x




• A) Personal contract
x x




• B) Conditional contract
x x




• C) Guaranteed contract
x x x




• D) Contract of adhesion
x x x




10. The insurer's responsibility to pay for a property loss may be conditioned on
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the insured having used reasonable means to avoid the loss, protect the property,
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and give proof of loss. This defines a(n):
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• A) Conditional contract
x x x




• B) Adhesion contract
x x




• C) Indemnity contract
x x




• D) All of the above
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11. Which of the following is NOT one of the "thresholds" in the No-Fault law?
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• A) Death of the insured
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• B) Temporary injury of the insured
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• C) A permanent loss of a bodily function
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• D) Permanent scarring on the face of the insured
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12. Under Mechanical Breakdown Coverage, new cars are eligible for service up to:
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• A) *36 months / 36,000 miles*
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• B) 24 months / 36,000 miles
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• C) 12,000 months / 12,000 miles
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