Florida 3-20 Public Adjuster
Exam Outlines Questions and
Answers 2026/2027 Sure Pass
626.854 (3)
Correct Answer: A public adjuster may not give legal
advice or act on behalf of or aid any person in negotiating
or settling a claim relating to bodily injury, death, or
noneconomic damages.
626.854 (5)
Correct Answer: A public adjuster may not directly or
indirectly through any other person or entity solicit an
insured or claimant by any means except on Monday
through Saturday of each week and only between the
hours of 8 a.m. and 8 p.m. on those days.
626.854 (6)
Correct Answer: An insured or claimant may cancel a
public adjuster's contract to adjust a claim without penalty
or obligation within 3 business days after the date on
which the contract is executed or within 3 business days
after the date on which the insured or claimant has notified
the insurer of the claim, whichever is later. The public
adjuster's contract must disclose to the insured or claimant
his or her right to cancel the contract and advise the
insured or claimant that notice of cancellation must be
submitted in writing and sent by certified mail, return
receipt requested, or other form of mailing that provides
proof thereof, to the public adjuster at the address
specified in the contract; provided, during any state of
emergency as declared by the Governor and for 1 year
after the date of loss, the insured or claimant has 10
1
,business days after the date on which the contract is
executed to cancel a public adjuster's contract.
626.854 (7)
Correct Answer: It is an unfair and deceptive insurance
trade practice pursuant to s. 626.9541 for a public adjuster
or any other person to circulate or disseminate any
advertisement, announcement, or statement containing
any assertion, representation, or statement with respect to
the business of insurance which is untrue, deceptive, or
misleading.
626.854 (7) (a)
Correct Answer: The following statements, made in any
public adjuster's advertisement or solicitation, are
considered deceptive or misleading:
1. A statement or representation that invites an insured
policyholder to submit a claim when the policyholder does
not have covered damage to insured property.
2. A statement or representation that invites an insured
policyholder to submit a claim by offering monetary or
other valuable inducement.
3. A statement or representation that invites an insured
policyholder to submit a claim by stating that there is "no
risk" to the policyholder by submitting such claim.
4. A statement or representation, or use of a logo or shield,
that implies or could mistakenly be construed to imply that
the solicitation was issued or distributed by a
governmental agency or is sanctioned or endorsed by a
governmental agency.
626.854 (7) (b)
Correct Answer: For purposes of this paragraph, the term
"written advertisement" includes only newspapers,
magazines, flyers, and bulk mailers. The following
disclaimer, which is not required to be printed on standard
size business cards, must be added in bold print and
2
, capital letters in typeface no smaller than the typeface of
the body of the text to all written advertisements by a
public adjuster:
"THIS IS A SOLICITATION FOR BUSINESS. IF YOU
HAVE HAD A CLAIM FOR AN INSURED PROPERTY
LOSS OR DAMAGE AND YOU ARE SATISFIED WITH
THE PAYMENT BY YOUR INSURER, YOU MAY
DISREGARD THIS ADVERTISEMENT."
626.854 (8)
Correct Answer: A public adjuster, a public adjuster
apprentice, or any person or entity acting on behalf of a
public adjuster or public adjuster apprentice may not give
or offer to give a monetary loan or advance to a client or
prospective client.
626.854 (9)
Correct Answer: A public adjuster, public adjuster
apprentice, or any individual or entity acting on behalf of a
public adjuster or public adjuster apprentice may not give
or offer to give, directly or indirectly, any article of
merchandise having a value in excess of $25 to any
individual for the purpose of advertising or as an
inducement to entering into a contract with a public
adjuster.
626.854 (10) (a)
Correct Answer: If a public adjuster enters into a contract
with an insured or claimant to reopen a claim or file a
supplemental claim that seeks additional payments for a
claim that has been previously paid in part or in full or
settled by the insurer, the public adjuster may not charge,
agree to, or accept from any source compensation,
payment, commission, fee, or any other thing of value
based on a previous settlement or previous claim
payments by the insurer for the same cause of loss. The
charge, compensation, payment, commission, fee, or any
3
Exam Outlines Questions and
Answers 2026/2027 Sure Pass
626.854 (3)
Correct Answer: A public adjuster may not give legal
advice or act on behalf of or aid any person in negotiating
or settling a claim relating to bodily injury, death, or
noneconomic damages.
626.854 (5)
Correct Answer: A public adjuster may not directly or
indirectly through any other person or entity solicit an
insured or claimant by any means except on Monday
through Saturday of each week and only between the
hours of 8 a.m. and 8 p.m. on those days.
626.854 (6)
Correct Answer: An insured or claimant may cancel a
public adjuster's contract to adjust a claim without penalty
or obligation within 3 business days after the date on
which the contract is executed or within 3 business days
after the date on which the insured or claimant has notified
the insurer of the claim, whichever is later. The public
adjuster's contract must disclose to the insured or claimant
his or her right to cancel the contract and advise the
insured or claimant that notice of cancellation must be
submitted in writing and sent by certified mail, return
receipt requested, or other form of mailing that provides
proof thereof, to the public adjuster at the address
specified in the contract; provided, during any state of
emergency as declared by the Governor and for 1 year
after the date of loss, the insured or claimant has 10
1
,business days after the date on which the contract is
executed to cancel a public adjuster's contract.
626.854 (7)
Correct Answer: It is an unfair and deceptive insurance
trade practice pursuant to s. 626.9541 for a public adjuster
or any other person to circulate or disseminate any
advertisement, announcement, or statement containing
any assertion, representation, or statement with respect to
the business of insurance which is untrue, deceptive, or
misleading.
626.854 (7) (a)
Correct Answer: The following statements, made in any
public adjuster's advertisement or solicitation, are
considered deceptive or misleading:
1. A statement or representation that invites an insured
policyholder to submit a claim when the policyholder does
not have covered damage to insured property.
2. A statement or representation that invites an insured
policyholder to submit a claim by offering monetary or
other valuable inducement.
3. A statement or representation that invites an insured
policyholder to submit a claim by stating that there is "no
risk" to the policyholder by submitting such claim.
4. A statement or representation, or use of a logo or shield,
that implies or could mistakenly be construed to imply that
the solicitation was issued or distributed by a
governmental agency or is sanctioned or endorsed by a
governmental agency.
626.854 (7) (b)
Correct Answer: For purposes of this paragraph, the term
"written advertisement" includes only newspapers,
magazines, flyers, and bulk mailers. The following
disclaimer, which is not required to be printed on standard
size business cards, must be added in bold print and
2
, capital letters in typeface no smaller than the typeface of
the body of the text to all written advertisements by a
public adjuster:
"THIS IS A SOLICITATION FOR BUSINESS. IF YOU
HAVE HAD A CLAIM FOR AN INSURED PROPERTY
LOSS OR DAMAGE AND YOU ARE SATISFIED WITH
THE PAYMENT BY YOUR INSURER, YOU MAY
DISREGARD THIS ADVERTISEMENT."
626.854 (8)
Correct Answer: A public adjuster, a public adjuster
apprentice, or any person or entity acting on behalf of a
public adjuster or public adjuster apprentice may not give
or offer to give a monetary loan or advance to a client or
prospective client.
626.854 (9)
Correct Answer: A public adjuster, public adjuster
apprentice, or any individual or entity acting on behalf of a
public adjuster or public adjuster apprentice may not give
or offer to give, directly or indirectly, any article of
merchandise having a value in excess of $25 to any
individual for the purpose of advertising or as an
inducement to entering into a contract with a public
adjuster.
626.854 (10) (a)
Correct Answer: If a public adjuster enters into a contract
with an insured or claimant to reopen a claim or file a
supplemental claim that seeks additional payments for a
claim that has been previously paid in part or in full or
settled by the insurer, the public adjuster may not charge,
agree to, or accept from any source compensation,
payment, commission, fee, or any other thing of value
based on a previous settlement or previous claim
payments by the insurer for the same cause of loss. The
charge, compensation, payment, commission, fee, or any
3
