FLORIDA PUBLIC ADJUSTER 2026 QUESTIONS
AND ANSWERS SURE A+
✔✔What format must the advertisement disclaimer be in? - ✔✔Bold caps, but no
specific type size. :-)(626.854(7))(b))
✔✔What must Public Adjuster Contracts Contain regarding fraud by insured -
✔✔Felony Warnings (626.8796) is the requirement for the Public Adjuster. 817.234 is
the felony, 775.082, 775.083 & 775.084 are the punishments.
✔✔What is the limit to the Public Adjuster's share of a re-opened claim - ✔✔20%
(626.854(10)(a)).
✔✔How long does the client have to cancel the Public Adjuster's Contract - ✔✔3
Business Days
✔✔How long must the Public Adjuster keep his written estimate of the claimant's Loss. -
✔✔5 years
✔✔If a time consuming process to resolution is more lucrative, may the Public Adjuster
loan the client an advance on the claim? - ✔✔No. (626.854(8)).
✔✔Can the Public Adjuster acquire an interest in Salvaged Property, for example as
payment for Services? - ✔✔Not without written consent and a signed affidavit.
(626.854(11))
✔✔Insurer's 3 Goals when handling a claim - ✔✔1. Comply with the Contract
2. Control Costs
3. Cultivate Good Customer Relations
✔✔3 Basic Claims Handling activities? - ✔✔1. Investigate
2.Evaluate
, 3.Negotiate
✔✔5 Technical Expertise for a successful negotiation - ✔✔1.The Insurance Contract
2.Reparable from replacement requiring damages.
3.Law
4.Insurer's goals
5.Computer Estimating Systems being utilized by the insurance industry.
✔✔Duration of the statute of limitations to claim windstorm damage. - ✔✔3 years
(627.70132)
✔✔5 Questions to establish the contract coverage - ✔✔1.Did a covered Peril Occur?
2.When?
3.Were there more than one?
4.Which one was the proximate cause?
5.Was there a mix of covered and uncovered losses?
✔✔5 Ways to appraise damages - ✔✔1.Survey and Estimate of Determination
2.Acceptance of Cost or Quality shown by records.
3.Actual repair or replacement
4.Sale of Salvage
5.Appraisal(after 2 parties have failed to agree).
✔✔7 Settlement and Release Options - ✔✔1.Full release Settlement
2.Open Ended Release
3.Payment of PD, BI pending
4.No Release
5.Advanced Payment
6.Structured Settlement
7.Rehabilitation, including provisions for rehabilitative treatment of the claimant.
✔✔What is called when 2 or more contracts cover the same claim and have to pay
proportionate amounts? - ✔✔Apportionment
✔✔What are the principles that guide apportionment to avoid controversy that could
delay adjustment called? - ✔✔Guiding Principles
✔✔What is the maximum injury to a minor that can be settled out of court, preferably
with both parents. - ✔✔$15,000 (statute 744.387)
✔✔A contract by whereby the person executing the instrument gives up a right, claim or
privilege to the person against whom it might have been demanded or enforced is called
a: - ✔✔Release
AND ANSWERS SURE A+
✔✔What format must the advertisement disclaimer be in? - ✔✔Bold caps, but no
specific type size. :-)(626.854(7))(b))
✔✔What must Public Adjuster Contracts Contain regarding fraud by insured -
✔✔Felony Warnings (626.8796) is the requirement for the Public Adjuster. 817.234 is
the felony, 775.082, 775.083 & 775.084 are the punishments.
✔✔What is the limit to the Public Adjuster's share of a re-opened claim - ✔✔20%
(626.854(10)(a)).
✔✔How long does the client have to cancel the Public Adjuster's Contract - ✔✔3
Business Days
✔✔How long must the Public Adjuster keep his written estimate of the claimant's Loss. -
✔✔5 years
✔✔If a time consuming process to resolution is more lucrative, may the Public Adjuster
loan the client an advance on the claim? - ✔✔No. (626.854(8)).
✔✔Can the Public Adjuster acquire an interest in Salvaged Property, for example as
payment for Services? - ✔✔Not without written consent and a signed affidavit.
(626.854(11))
✔✔Insurer's 3 Goals when handling a claim - ✔✔1. Comply with the Contract
2. Control Costs
3. Cultivate Good Customer Relations
✔✔3 Basic Claims Handling activities? - ✔✔1. Investigate
2.Evaluate
, 3.Negotiate
✔✔5 Technical Expertise for a successful negotiation - ✔✔1.The Insurance Contract
2.Reparable from replacement requiring damages.
3.Law
4.Insurer's goals
5.Computer Estimating Systems being utilized by the insurance industry.
✔✔Duration of the statute of limitations to claim windstorm damage. - ✔✔3 years
(627.70132)
✔✔5 Questions to establish the contract coverage - ✔✔1.Did a covered Peril Occur?
2.When?
3.Were there more than one?
4.Which one was the proximate cause?
5.Was there a mix of covered and uncovered losses?
✔✔5 Ways to appraise damages - ✔✔1.Survey and Estimate of Determination
2.Acceptance of Cost or Quality shown by records.
3.Actual repair or replacement
4.Sale of Salvage
5.Appraisal(after 2 parties have failed to agree).
✔✔7 Settlement and Release Options - ✔✔1.Full release Settlement
2.Open Ended Release
3.Payment of PD, BI pending
4.No Release
5.Advanced Payment
6.Structured Settlement
7.Rehabilitation, including provisions for rehabilitative treatment of the claimant.
✔✔What is called when 2 or more contracts cover the same claim and have to pay
proportionate amounts? - ✔✔Apportionment
✔✔What are the principles that guide apportionment to avoid controversy that could
delay adjustment called? - ✔✔Guiding Principles
✔✔What is the maximum injury to a minor that can be settled out of court, preferably
with both parents. - ✔✔$15,000 (statute 744.387)
✔✔A contract by whereby the person executing the instrument gives up a right, claim or
privilege to the person against whom it might have been demanded or enforced is called
a: - ✔✔Release
