FLORIDA PUBLIC ADJUSTER STATE TEST | COMPLETE PRACTICE QUESTIONS WITH VERIFIED
ANSWERS AND LICENSING STUDY GUIDE
1. Florida No-Fault Tort Exemption: Those who comply with the law are granted limited immunity
from suits of others through PIP coverage.
2. 4 Exceptions to Tort Exemption(Threshold of No-Fault): 1. Significant and Permanent
loss of bodily function.
2. Permanent injury other than scarring and disfigurement.
3. Significant and Permanent scarring or disfigurement.
4. Death
3. What does NFIP stand for?: National Flood Insurance Program
4. Form SR-22: Drivers Convicted of DUI or a traflc felony over the prior 3 years are required to have 100/300/50
coverage or a certificate of self insurance of $350,000.
5. Contents of a CGL Contract: 1.Declarations Form
2. Common Policy Conditions Form
3. One of:
A.Occurrence Form
B.Claims Made Form
4. Nuclear Energy Liability Exclusion Endorsement.
6. Declarations of a CGL Contract(4): 1.Named Insured(including address)
2. Policy Period
3. Premium
4. Limits of Coverage
7. 7 Common CGL Conditions: 1.Cancellation(30 Days by insurer option, 10 Days By no payment).
2. Changes
3. Examination of Booкs
4. Inspections and Surveys
5. Premiums
6. Transfer
7. Nuclear Endorsement
8. CGL Coverage A: Bodily Injury and Property Damage Insuring Agreement
9. The 3 Conditions that define worк as "completed": 1.When all worк called for in the
contract is completed.
2. When all worк to be done at the site has been completed if one contract calls for worк at more than one site.
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, FLORIDA PUBLIC ADJUSTER STATE TEST | COMPLETE PRACTICE QUESTIONS WITH VERIFIED
ANSWERS AND LICENSING STUDY GUIDE
3. When that part of the worк done at a job site has been put to its intended use by any person or organization other
than another contractor or subcontractor.
10. Occurance: An accident, including continuous or repeated exposure to substantially the same general
harmful conditions.
11. accident: Sudden, unexpected event
12. The Difference between "Occurance" and "Claims Made" CGL Coverages: The
Coverage Trigger:
The Occurance Form applies to BI and PD regardless of any later time at which the claim is made.
The Claims-Made Form applies only to BI and PD that occurs on or after the "Retro-Active date"
13. Retro-Active Date: The date on which the coverage legally began.
14. Basic Extended Reporting Period for CGL: 60 Days after expiration
15. Why is the term "Coverage Trigger" misleading?: Because it intends to refer to the time
period during which the insurance contract is in ettect.
16. Umbrella: Covers Excessive Liability
17. A Homeowners Policy consists of(3 components):: 1.Declarations
2. One of 6 Homeowners forms
3. Mandatory and optional endorsements
18. If a unit is co-owned, May one co-owner be insured as the renter(HO-4)?: Yes
19. What are the two main divisions of a Home Owners Form?: Section I-Property
&
Section II-Liability
20. 4 Subsections of Section I of a Property Coverage Policy: 1. Coverages
2. Perils Insured Against
3. Exclusions
4. Conditions
21. Who determines how much HO-6 coverages a Condominium Owner
needs?: The Association
22. Homeowners Coverage A: "Dwelling" covers the dwelling building and structures attached; also
construction materials and supplies on or adjacent to the premises.
23. Homeowners Coverage B: "Other Structures" covers private structures on the residence premises
that are not attached to the main dwelling.
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ANSWERS AND LICENSING STUDY GUIDE
1. Florida No-Fault Tort Exemption: Those who comply with the law are granted limited immunity
from suits of others through PIP coverage.
2. 4 Exceptions to Tort Exemption(Threshold of No-Fault): 1. Significant and Permanent
loss of bodily function.
2. Permanent injury other than scarring and disfigurement.
3. Significant and Permanent scarring or disfigurement.
4. Death
3. What does NFIP stand for?: National Flood Insurance Program
4. Form SR-22: Drivers Convicted of DUI or a traflc felony over the prior 3 years are required to have 100/300/50
coverage or a certificate of self insurance of $350,000.
5. Contents of a CGL Contract: 1.Declarations Form
2. Common Policy Conditions Form
3. One of:
A.Occurrence Form
B.Claims Made Form
4. Nuclear Energy Liability Exclusion Endorsement.
6. Declarations of a CGL Contract(4): 1.Named Insured(including address)
2. Policy Period
3. Premium
4. Limits of Coverage
7. 7 Common CGL Conditions: 1.Cancellation(30 Days by insurer option, 10 Days By no payment).
2. Changes
3. Examination of Booкs
4. Inspections and Surveys
5. Premiums
6. Transfer
7. Nuclear Endorsement
8. CGL Coverage A: Bodily Injury and Property Damage Insuring Agreement
9. The 3 Conditions that define worк as "completed": 1.When all worк called for in the
contract is completed.
2. When all worк to be done at the site has been completed if one contract calls for worк at more than one site.
1/9
, FLORIDA PUBLIC ADJUSTER STATE TEST | COMPLETE PRACTICE QUESTIONS WITH VERIFIED
ANSWERS AND LICENSING STUDY GUIDE
3. When that part of the worк done at a job site has been put to its intended use by any person or organization other
than another contractor or subcontractor.
10. Occurance: An accident, including continuous or repeated exposure to substantially the same general
harmful conditions.
11. accident: Sudden, unexpected event
12. The Difference between "Occurance" and "Claims Made" CGL Coverages: The
Coverage Trigger:
The Occurance Form applies to BI and PD regardless of any later time at which the claim is made.
The Claims-Made Form applies only to BI and PD that occurs on or after the "Retro-Active date"
13. Retro-Active Date: The date on which the coverage legally began.
14. Basic Extended Reporting Period for CGL: 60 Days after expiration
15. Why is the term "Coverage Trigger" misleading?: Because it intends to refer to the time
period during which the insurance contract is in ettect.
16. Umbrella: Covers Excessive Liability
17. A Homeowners Policy consists of(3 components):: 1.Declarations
2. One of 6 Homeowners forms
3. Mandatory and optional endorsements
18. If a unit is co-owned, May one co-owner be insured as the renter(HO-4)?: Yes
19. What are the two main divisions of a Home Owners Form?: Section I-Property
&
Section II-Liability
20. 4 Subsections of Section I of a Property Coverage Policy: 1. Coverages
2. Perils Insured Against
3. Exclusions
4. Conditions
21. Who determines how much HO-6 coverages a Condominium Owner
needs?: The Association
22. Homeowners Coverage A: "Dwelling" covers the dwelling building and structures attached; also
construction materials and supplies on or adjacent to the premises.
23. Homeowners Coverage B: "Other Structures" covers private structures on the residence premises
that are not attached to the main dwelling.
2/9
