1|Page
FL 6-20 All-Lines Adjuster Exam
Questions & Answers 2026: 250-Page
Practice Test Bank with Rationales
for Florida Adjuster Licensing (40-
Hour Pre-Licensing Prep)
Master the Florida 6-20 All-Lines Adjuster exam with
this 2026 comprehensive Q&A test bank! Featuring
250 high-yield multiple-choice questions, detailed
answer rationales, and explanations of FL Insurance
Code, claim handling, and ethics. Perfect for passing
the state exam or earning your ACA designation
waiver. Covers property, casualty, workers’ comp,
PIP, and bad faith laws. Used by top Florida colleges
and adjuster schools. Ace your licensing test with
confidence—download now to start studying!
Includes updated 2026 statutes. Passing guaranteed!
1. Which Florida statute chapter governs the regulation of insurance adjusters?
a) Chapter 624
b) Chapter 626
,2|Page
c) Chapter 627
d) Chapter 631
Answer: b) Chapter 626
Rationale: Chapter 626 of the Florida Statutes contains the Insurance Agents and
Solicitors provisions, which include licensing, conduct, and discipline for adjusters.
Chapter 624 covers the Insurance Code generally, Chapter 627 covers insurance
policies, and Chapter 631 covers insolvency.
2. Under Florida law, how many hours of pre-licensing education are required before
taking the 6-20 adjuster exam?
a) 20 hours
b) 40 hours
c) 60 hours
d) 80 hours
Answer: b) 40 hours
Rationale: Florida requires 40 hours of approved pre-licensing education for the all-
lines adjuster license. This ensures candidates have foundational knowledge before
attempting the state exam.
3. An adjuster who represents the insurance company in settling claims is known as:
a) A public adjuster
b) An independent adjuster
c) A staff adjuster
d) A company adjuster
Answer: d) A company adjuster
Rationale: A company (or staff) adjuster is a salaried employee of the insurer. An
independent adjuster is contracted per claim, and a public adjuster represents the
policyholder.
4. A public adjuster in Florida may charge a fee of no more than:
a) 5% of the settlement
b) 10% of the settlement
c) 20% of the settlement
d) 30% of the settlement
Answer: b) 10% of the settlement
,3|Page
Rationale: Florida law caps public adjuster fees at 10% of the insurance settlement
unless declared by the Governor as a state of emergency, in which case the cap is
temporarily raised to 20%.
5. The Florida Office of Insurance Regulation (OIR) is primarily responsible for:
a) Licensing adjusters
b) Investigating consumer complaints
c) Ensuring insurer solvency and market conduct
d) Setting premium rates for all policies
Answer: c) Ensuring insurer solvency and market conduct
Rationale: The OIR regulates insurance companies' financial solvency and market
practices. The Department of Financial Services (DFS) handles licensing and consumer
complaints.
6. Which of the following is NOT a type of adjuster license in Florida?
a) All-lines adjuster
b) Property and casualty adjuster
c) Workers' compensation adjuster
d) Life and health adjuster
Answer: d) Life and health adjuster
Rationale: Florida does not issue a separate life and health adjuster license; those
claims are handled under the all-lines adjuster license. The all-lines license covers
property, casualty, auto, liability, and workers' comp.
7. What is the minimum age requirement to apply for a Florida 6-20 adjuster license?
a) 18
b) 21
c) 23
d) 25
Answer: a) 18
Rationale: Florida law requires applicants to be at least 18 years old to hold an adjuster
license, along with being a Florida resident and a U.S. citizen or legal alien with work
authorization.
, 4|Page
8. A non-resident adjuster applying for a Florida license must:
a) Take the Florida state exam
b) Hold a valid adjuster license in their home state
c) Complete 40 hours of Florida-specific education
d) Work for a Florida-domiciled company
Answer: b) Hold a valid adjuster license in their home state
Rationale: Florida grants reciprocity to non-resident adjusters who hold an active, valid
license in their home state, provided that state offers similar reciprocity to Florida
adjusters.
9. The Florida Department of Financial Services (DFS) handles all of the following
EXCEPT:
a) Adjuster licensing
b) Investigating insurance fraud
c) Rate approvals for insurance policies
d) Consumer services
Answer: c) Rate approvals for insurance policies
Rationale: Rate approvals are the function of the Office of Insurance Regulation (OIR),
not DFS. DFS handles licensing, fraud investigations, and consumer assistance.
10. Under Florida's unfair claims settlement practices act, how many days does an
insurer have to acknowledge receipt of a claim?
a) 7 days
b) 10 days
c) 14 days
d) 21 days
Answer: c) 14 days
Rationale: Florida Administrative Code requires insurers to acknowledge claim receipt
within 14 calendar days and begin investigation promptly.
11. The term "reserve" in claims adjusting refers to:
a) The deductible amount
FL 6-20 All-Lines Adjuster Exam
Questions & Answers 2026: 250-Page
Practice Test Bank with Rationales
for Florida Adjuster Licensing (40-
Hour Pre-Licensing Prep)
Master the Florida 6-20 All-Lines Adjuster exam with
this 2026 comprehensive Q&A test bank! Featuring
250 high-yield multiple-choice questions, detailed
answer rationales, and explanations of FL Insurance
Code, claim handling, and ethics. Perfect for passing
the state exam or earning your ACA designation
waiver. Covers property, casualty, workers’ comp,
PIP, and bad faith laws. Used by top Florida colleges
and adjuster schools. Ace your licensing test with
confidence—download now to start studying!
Includes updated 2026 statutes. Passing guaranteed!
1. Which Florida statute chapter governs the regulation of insurance adjusters?
a) Chapter 624
b) Chapter 626
,2|Page
c) Chapter 627
d) Chapter 631
Answer: b) Chapter 626
Rationale: Chapter 626 of the Florida Statutes contains the Insurance Agents and
Solicitors provisions, which include licensing, conduct, and discipline for adjusters.
Chapter 624 covers the Insurance Code generally, Chapter 627 covers insurance
policies, and Chapter 631 covers insolvency.
2. Under Florida law, how many hours of pre-licensing education are required before
taking the 6-20 adjuster exam?
a) 20 hours
b) 40 hours
c) 60 hours
d) 80 hours
Answer: b) 40 hours
Rationale: Florida requires 40 hours of approved pre-licensing education for the all-
lines adjuster license. This ensures candidates have foundational knowledge before
attempting the state exam.
3. An adjuster who represents the insurance company in settling claims is known as:
a) A public adjuster
b) An independent adjuster
c) A staff adjuster
d) A company adjuster
Answer: d) A company adjuster
Rationale: A company (or staff) adjuster is a salaried employee of the insurer. An
independent adjuster is contracted per claim, and a public adjuster represents the
policyholder.
4. A public adjuster in Florida may charge a fee of no more than:
a) 5% of the settlement
b) 10% of the settlement
c) 20% of the settlement
d) 30% of the settlement
Answer: b) 10% of the settlement
,3|Page
Rationale: Florida law caps public adjuster fees at 10% of the insurance settlement
unless declared by the Governor as a state of emergency, in which case the cap is
temporarily raised to 20%.
5. The Florida Office of Insurance Regulation (OIR) is primarily responsible for:
a) Licensing adjusters
b) Investigating consumer complaints
c) Ensuring insurer solvency and market conduct
d) Setting premium rates for all policies
Answer: c) Ensuring insurer solvency and market conduct
Rationale: The OIR regulates insurance companies' financial solvency and market
practices. The Department of Financial Services (DFS) handles licensing and consumer
complaints.
6. Which of the following is NOT a type of adjuster license in Florida?
a) All-lines adjuster
b) Property and casualty adjuster
c) Workers' compensation adjuster
d) Life and health adjuster
Answer: d) Life and health adjuster
Rationale: Florida does not issue a separate life and health adjuster license; those
claims are handled under the all-lines adjuster license. The all-lines license covers
property, casualty, auto, liability, and workers' comp.
7. What is the minimum age requirement to apply for a Florida 6-20 adjuster license?
a) 18
b) 21
c) 23
d) 25
Answer: a) 18
Rationale: Florida law requires applicants to be at least 18 years old to hold an adjuster
license, along with being a Florida resident and a U.S. citizen or legal alien with work
authorization.
, 4|Page
8. A non-resident adjuster applying for a Florida license must:
a) Take the Florida state exam
b) Hold a valid adjuster license in their home state
c) Complete 40 hours of Florida-specific education
d) Work for a Florida-domiciled company
Answer: b) Hold a valid adjuster license in their home state
Rationale: Florida grants reciprocity to non-resident adjusters who hold an active, valid
license in their home state, provided that state offers similar reciprocity to Florida
adjusters.
9. The Florida Department of Financial Services (DFS) handles all of the following
EXCEPT:
a) Adjuster licensing
b) Investigating insurance fraud
c) Rate approvals for insurance policies
d) Consumer services
Answer: c) Rate approvals for insurance policies
Rationale: Rate approvals are the function of the Office of Insurance Regulation (OIR),
not DFS. DFS handles licensing, fraud investigations, and consumer assistance.
10. Under Florida's unfair claims settlement practices act, how many days does an
insurer have to acknowledge receipt of a claim?
a) 7 days
b) 10 days
c) 14 days
d) 21 days
Answer: c) 14 days
Rationale: Florida Administrative Code requires insurers to acknowledge claim receipt
within 14 calendar days and begin investigation promptly.
11. The term "reserve" in claims adjusting refers to:
a) The deductible amount
