FLORIDA 3 20 PUBLIC ADJUSTERS
STATE PRACTICE SET 1 2026 140
TESTED QUESTIONS AND
ACCURATE ANSWERS
◉ A forcible entry into locked premises and the carrying away of the
property of others is a definition of: Answer: Burglary
◉ The inland marine coverage form that covers clothing, cameras and
other portable property worn and carried by tourists and travelers is a:
Answer: Personal effects floater
◉ A residual market to alleviate the temporary unavailability of property
insurance coverage in significant portions of Florida (e.g. homeowners
face non-renewal or cancellations) Answer: Residential Property &
Casualty Joint Underwriting Association for property owners.
◉ What does the property insurance term "improvements and
betterment" apply to? Answer: Real Property
◉ The penalty imposed upon a Florida licensee who violates a cease and
desists order issued by the CFO: Answer: $50,000 Fine
, ◉ What is amount is personal property used for business purposes,
under a Homeowners policy covered up to Answer: up to $2500 on
premises
up to $1500 off premises
◉ If a replacement costs exists, but the insured has a policy for only
50% of the replacement cost, what percentage will the insured received
for the loss? Answer: 50% of the settlement amount
◉ A statement that is believed to be true when made, which my prove to
be false. Answer: Representation
◉ A statement that is guaranteed to be correct: Answer: Warranty
◉ When can an insured cancel his/her policy? Answer: At any time.
◉ In Florida, how many days in advance of a premium due date must an
auto insurer provide notice of renewal to an insured? Answer: 30 days
written notice
◉ What deductibles are subject to any aircraft physical damages that
differ according to circumstances surrounding a given loss? Answer: In-
flight Ded (greatest amount)
Not-in-Motion (least amount)
They apply independently based on the actual loss
STATE PRACTICE SET 1 2026 140
TESTED QUESTIONS AND
ACCURATE ANSWERS
◉ A forcible entry into locked premises and the carrying away of the
property of others is a definition of: Answer: Burglary
◉ The inland marine coverage form that covers clothing, cameras and
other portable property worn and carried by tourists and travelers is a:
Answer: Personal effects floater
◉ A residual market to alleviate the temporary unavailability of property
insurance coverage in significant portions of Florida (e.g. homeowners
face non-renewal or cancellations) Answer: Residential Property &
Casualty Joint Underwriting Association for property owners.
◉ What does the property insurance term "improvements and
betterment" apply to? Answer: Real Property
◉ The penalty imposed upon a Florida licensee who violates a cease and
desists order issued by the CFO: Answer: $50,000 Fine
, ◉ What is amount is personal property used for business purposes,
under a Homeowners policy covered up to Answer: up to $2500 on
premises
up to $1500 off premises
◉ If a replacement costs exists, but the insured has a policy for only
50% of the replacement cost, what percentage will the insured received
for the loss? Answer: 50% of the settlement amount
◉ A statement that is believed to be true when made, which my prove to
be false. Answer: Representation
◉ A statement that is guaranteed to be correct: Answer: Warranty
◉ When can an insured cancel his/her policy? Answer: At any time.
◉ In Florida, how many days in advance of a premium due date must an
auto insurer provide notice of renewal to an insured? Answer: 30 days
written notice
◉ What deductibles are subject to any aircraft physical damages that
differ according to circumstances surrounding a given loss? Answer: In-
flight Ded (greatest amount)
Not-in-Motion (least amount)
They apply independently based on the actual loss
