Florida Claims Adjuster Exam, 6-20 All
Lines Adjuster- Florida- Review (New
2026/ 2027 Update) Questions & Answers
{Grade A} 100% Correct (Verified
Solutions)
Describe a franchise deductible - Correct answer No payment is made until the loss
equals or exceeds the amount of the deductible and then the loss is paid in full
All of the following are characteristics of an insurance contract EXCEPT? Personal,
Private, Conditional, Adhesion? - Correct answer Private
If a claimant is represented by an attorney, the adjuster should? - Correct answer Only
meet with the client when the attorney is present
Adjusters should advise claimants on? - Correct answer claims information
An adjuster is required to notify a claimant when a claim is denied. The notification
must be? - Correct answer Written
,The term ethics refers to? - Correct answer service to others, personal respect and
proper mode of conduct
When an adjuster deals with a claimant who is not a policyholder, this claim is known
as an? - Correct answer third party claim
The successful adjuster/negotiator should understand that communication includes all
of the following EXCEPT?
Select one:
A. Verbal and non-verbal messages
B. Questioning
C. Listening
D. Decision-making - Correct answer Decision-making
Which of the following is not a duty of the claims adjuster?
Select one:
A. Investigating
,B. Evaluating
C. Negotiating
D. Counseling - Correct answer Counseling
The adjuster's duty to the insurer is best described as?
Select one:
A. Friendly
B. Factual
C. Fun
D. Fiduciary - Correct answer Fiduciary
Errors and Omissions claims are a result of?
Select one:
A. Unethical behavior
B. Lack of knowledge or information
C. Both unethical behavior and lack of knowledge or information are correct
, D. Neither unethical behavior and lack of knowledge or information are correct -
Correct answer Both unethical behavior and lack of knowledge or information are
correct
Unethical behavior affects?
Select one:
A. The claimant
B. The adjuster
C. All of the above
D. The entire company - Correct answer All of the above
All of the following are components of negotiating EXCEPT?
Select one:
A. The issue should be negotiable
B. There must be an exchange of value for value
C. The parties should trust each other
D. The claimant must be satisfied - Correct answer The claimant must be satisfied
Lines Adjuster- Florida- Review (New
2026/ 2027 Update) Questions & Answers
{Grade A} 100% Correct (Verified
Solutions)
Describe a franchise deductible - Correct answer No payment is made until the loss
equals or exceeds the amount of the deductible and then the loss is paid in full
All of the following are characteristics of an insurance contract EXCEPT? Personal,
Private, Conditional, Adhesion? - Correct answer Private
If a claimant is represented by an attorney, the adjuster should? - Correct answer Only
meet with the client when the attorney is present
Adjusters should advise claimants on? - Correct answer claims information
An adjuster is required to notify a claimant when a claim is denied. The notification
must be? - Correct answer Written
,The term ethics refers to? - Correct answer service to others, personal respect and
proper mode of conduct
When an adjuster deals with a claimant who is not a policyholder, this claim is known
as an? - Correct answer third party claim
The successful adjuster/negotiator should understand that communication includes all
of the following EXCEPT?
Select one:
A. Verbal and non-verbal messages
B. Questioning
C. Listening
D. Decision-making - Correct answer Decision-making
Which of the following is not a duty of the claims adjuster?
Select one:
A. Investigating
,B. Evaluating
C. Negotiating
D. Counseling - Correct answer Counseling
The adjuster's duty to the insurer is best described as?
Select one:
A. Friendly
B. Factual
C. Fun
D. Fiduciary - Correct answer Fiduciary
Errors and Omissions claims are a result of?
Select one:
A. Unethical behavior
B. Lack of knowledge or information
C. Both unethical behavior and lack of knowledge or information are correct
, D. Neither unethical behavior and lack of knowledge or information are correct -
Correct answer Both unethical behavior and lack of knowledge or information are
correct
Unethical behavior affects?
Select one:
A. The claimant
B. The adjuster
C. All of the above
D. The entire company - Correct answer All of the above
All of the following are components of negotiating EXCEPT?
Select one:
A. The issue should be negotiable
B. There must be an exchange of value for value
C. The parties should trust each other
D. The claimant must be satisfied - Correct answer The claimant must be satisfied
