Florida Claims Adjuster Exam, 6-20 All Lines
Adjuster- Florida- Review Questions and
Answer Latest 2026/2027 Update!!!
Something that
Peril
causes a loss.
Something that
Hazard increases the
probability that a
loss will occur.
A policy condition,
either based on
Warranty information in the
insureds
application or
inserted by the
insurer. It is a
guarantee of a
fact.
1
, An untrue
statement by the
Misrepresentation insured, made in
an application for
insurance but
which does not
become a part of
the policy.
The failure of the
insured to reveal
Concealment
relevant facts
known to the
insured in applying
for insurance.
Abandonment Property insurance
policies usually
contain an
abandonment
clause, stating the
insured cannot
dump damaged
property
2
, on the insurer and
demand its full
value.
The insurance
applies separately
Severability
to each insured as
if other insureds
did not exist.
The cause having
the most
significant impact
in bringing about
the loss under a
first-party property
insurance policy,
when two or more
independent perils
operate at the
same time (i.e.,
concurrently) to
Proximate Cause
produce a loss.
Courts employ a
set of rules to
resolve causation
disputes when a
property policy
states that it covers
or excludes losses
"caused by" a peril
and there is more
than one peril at
work in a fact
pattern. Under
common law,
whether the policy
provides coverage
depends on which
3
Adjuster- Florida- Review Questions and
Answer Latest 2026/2027 Update!!!
Something that
Peril
causes a loss.
Something that
Hazard increases the
probability that a
loss will occur.
A policy condition,
either based on
Warranty information in the
insureds
application or
inserted by the
insurer. It is a
guarantee of a
fact.
1
, An untrue
statement by the
Misrepresentation insured, made in
an application for
insurance but
which does not
become a part of
the policy.
The failure of the
insured to reveal
Concealment
relevant facts
known to the
insured in applying
for insurance.
Abandonment Property insurance
policies usually
contain an
abandonment
clause, stating the
insured cannot
dump damaged
property
2
, on the insurer and
demand its full
value.
The insurance
applies separately
Severability
to each insured as
if other insureds
did not exist.
The cause having
the most
significant impact
in bringing about
the loss under a
first-party property
insurance policy,
when two or more
independent perils
operate at the
same time (i.e.,
concurrently) to
Proximate Cause
produce a loss.
Courts employ a
set of rules to
resolve causation
disputes when a
property policy
states that it covers
or excludes losses
"caused by" a peril
and there is more
than one peril at
work in a fact
pattern. Under
common law,
whether the policy
provides coverage
depends on which
3
