FLORIDA CLAIMS ADJUSTER EXAM
206 QUESTIONS WITH 100% CORRECT ANSWERS | 33 PAGES
Florida Department of Financial Services (DFS) Alignment | Florida Statutes Chapters 624-632 | Florida Administrative Code Chapter
69B | 2026/2027 Edition
SECTION 1: FLORIDA INSURANCE REGULATIONS, LICENSING & Questions 1 - 35
ETHICS
Q1: Under F.S. 626.112, an individual who wants to adjust claims in Florida on behalf of an insurance company must FIRST obtain
what?
A. A written waiver from the Department of Financial Services
B. A notary commission from the Florida Secretary of State
C. A four-year insurance degree from an accredited college
D. An adjuster license and an appointment from each insurer the adjuster will represent *[CORRECT]*
Correct Answer: D
Rationale: F.S. 626.112 requires every adjuster to be licensed by the Department of Financial Services and appointed by each insurer
the adjuster represents before adjusting any claims. Options A, C, and D describe credentials that are neither required nor recognized
substitutes for licensure and appointment under the Florida Insurance Code.
Q2: Marco recently passed the Florida all-lines adjuster examination and wants to work as an INDEPENDENT adjuster (license class
6-20). Before adjusting claims in Florida, what must he file?
A. A $10,000 surety bond
B. A certificate of good standing from his former employer
C. A $5,000 surety bond *[CORRECT]*
D. A $50,000 irrevocable letter of credit
Correct Answer: C
Rationale: An independent adjuster (6-20) must file a $5,000 surety bond before adjusting claims in Florida. Option A states the public
adjuster bond amount, and options B and D are not filing requirements; Florida DFS exam standards repeatedly test the $5,000
independent / $10,000 public bond distinction.
Q3: A staff (company) adjuster holds a 5-40 all-lines license and adjusts claims only for the insurer that employs her. What surety
bond must she maintain?
A. No surety bond is required for staff adjusters *[CORRECT]*
B. $5,000
C. $10,000
D. $15,000
Correct Answer: A
Rationale: Staff adjusters are not required to post any surety bond because they adjust only for their appointing insurer. The $5,000
bond applies to independent adjusters and the $10,000 bond applies to public adjusters, so B, C, and D confuse the Florida licensing
bond schedule.
Q4: Priya wants to represent policyholders - not insurers - in negotiating their property claims for a fee. Which license and bond
combination applies?
A. 6-20 license with a $5,000 bond
B. 5-40 license with no bond
C. 70-20 license with a $5,000 bond
D. 3-20 public adjuster license with a $10,000 bond *[CORRECT]*
Correct Answer: D
Rationale: Only a 3-20 public adjuster may represent the insured for compensation, and F.S. 626.854 requires that public adjuster to
carry a $10,000 surety bond. Options A and C describe license classes that represent insurers, and option B incorrectly pairs a staff
license with public adjusting work.
Q5: What are Florida's continuing education requirements for a licensed adjuster each biennium (two-year renewal period)?
A. 10 hours, including 2 hours of ethics or law
B. 14 hours, all of which may be any subject the licensee chooses
C. 40 hours, including 10 hours of ethics or law
D. 24 hours, including 5 hours of ethics or law *[CORRECT]*
Correct Answer: D
Rationale: Florida adjusters must complete 24 hours of continuing education every two-year biennium, of which 5 hours must be in
ethics or law. The other choices understate or misstate the DFS requirement and would leave the licensee ineligible to renew on
Florida Claims Adjuster Licensing Examination - Answer Key with Rationales Page 1
,FLORIDA CLAIMS ADJUSTER EXAM | 2026/2027 EDITION 206 QUESTIONS
schedule.
Q6: An insured emails and calls his adjuster four times over three weeks seeking a status update on his water damage claim, and the
adjuster never responds. Which unfair claims settlement practice has the adjuster committed?
A. Attempting to settle for less than the claim is worth
B. Misrepresenting pertinent policy provisions
C. Failing to acknowledge and act promptly upon communications *[CORRECT]*
D. Failing to maintain claim complaint files
Correct Answer: C
Rationale: F.S. 626.9541 lists failing to acknowledge and act promptly upon communications from claimants as an unfair claims
settlement practice. Option A concerns settlement amounts, option B concerns statements about coverage, and option D is a
recordkeeping issue - none describes ignoring claimant contact.
Q7: Under F.S. 626.9541, which settlement conduct is expressly PROHIBITED?
A. Offering to settle a claim for less than the amount a reasonable person would believe was warranted by the facts
*[CORRECT]*
B. Negotiating a fair settlement supported by a complete investigation
C. Explaining policy exclusions accurately to a claimant
D. Requesting a signed proof of loss when the policy requires one
Correct Answer: A
Rationale: The statute prohibits attempting to settle claims for substantially less than the amount a reasonable person would believe
warranted, commonly called lowballing. Options B, C, and D are proper, lawful adjusting activities that DFS expects licensees to
perform in every claim.
Q8: An insurer wants to place a catastrophe intern on storm claims quickly. Under F.S. 626.155, which statement about a temporary
adjuster license is CORRECT?
A. It is valid for 180 days and renewable twice
B. It is valid for 90 days and may be renewed indefinitely
C. It is valid for one year and requires the state examination
D. It is valid for 90 days, issued only once, and requires no examination *[CORRECT]*
Correct Answer: D
Rationale: A temporary adjuster license is valid for 90 days, may be issued only one time, and does not require the qualifying
examination. Options A and B misstate the renewal rule, and option C is wrong because no examination is required for temporary
licensure.
Q9: A public adjuster signs a contract with an insured after the Governor declares a state of emergency for a hurricane affecting the
insured's county. What is the MAXIMUM fee the public adjuster may charge?
A. 20 percent of the claim payment
B. 25 percent of the claim payment
C. 15 percent of the claim payment
D. 10 percent of the claim payment *[CORRECT]*
Correct Answer: D
Rationale: F.S. 626.854 caps public adjuster fees at 10 percent of claim payments on policies issued or renewed during a declared state
of emergency. Options A, B, and C exceed the emergency cap and would expose the adjuster to discipline and fee disgorgement.
Q10: Under F.S. 626.854, which activity is a public adjuster EXPRESSLY PROHIBITED from doing?
A. Inspecting the damaged property of a client
B. Negotiating the amount of a claim with the insurer
C. Giving legal advice or accepting a referral fee from an attorney *[CORRECT]*
D. Preparing an inventory of the client's damaged personal property
Correct Answer: C
Rationale: Public adjusters may inspect, inventory, document, and negotiate claims, but they may not practice law, give legal advice, or
split fees with attorneys for referrals. Options A, B, and D are core lawful duties of the public adjuster license in Florida.
Q11: Julia holds the Associate in Claims (AIC) professional designation. Under Florida licensure rules, how may she qualify for the
6-20 all-lines adjuster license?
A. She must still pass the Florida state examination because designations never count
B. She may qualify through her professional designation without taking the state examination *[CORRECT]*
C. She must complete a 440-hour classroom course before applying
D. She may apply only after completing one year of adjusting experience
Correct Answer: B
Rationale: Florida grants adjuster licensure based on passing the state examination, completing an approved 440-hour designation, or
holding certain professional designations such as AIC or CPCU. Option A ignores the designation waiver, option C describes only one
alternative path, and option D invents an experience requirement.
Florida Claims Adjuster Licensing Examination - Answer Key with Rationales Page 2
,FLORIDA CLAIMS ADJUSTER EXAM | 2026/2027 EDITION 206 QUESTIONS
Q12: Which adjuster license class is held by an adjuster who is an EMPLOYEE of an insurance company and adjusts claims only on
that company's own policies?
A. 5-40 staff/company adjuster *[CORRECT]*
B. 3-20 public adjuster
C. 6-20 independent adjuster
D. 70-20 worker's compensation adjuster
Correct Answer: A
Rationale: The 5-40 all-lines license is the staff or company adjuster license used by insurer employees. The 3-20 serves insureds, the
6-20 serves insurers on a contract basis, and the 70-20 is limited to workers' compensation claims, so the other options misidentify the
employment relationship.
Q13: Under the Florida adjuster Code of Ethics in Rule 69B-220.201, what is the adjuster's fundamental obligation when dealing
with claimants?
A. To minimize every claim payment to protect the insurer's surplus
B. To advise claimants to retain attorneys before settling any claim
C. To settle claims only after litigation has been threatened
D. To exercise utmost good faith and honesty in all dealings with claimants and the insurer *[CORRECT]*
Correct Answer: D
Rationale: Rule 69B-220.201 requires the adjuster to exercise utmost good faith and honesty toward both the claimant and the
appointing insurer. Options A, B, and C describe conduct that would violate the code and the unfair claims settlement practices statute.
Q14: What is the MOST SERIOUS consequence an individual faces for adjusting insurance claims in Florida without holding any
license?
A. Administrative discipline, civil penalties, and possible criminal prosecution *[CORRECT]*
B. A written warning with no penalties for a first offense
C. Automatic licensure after paying a small back fee
D. No consequence, if the work was performed for an out-of-state insurer
Correct Answer: A
Rationale: Unlicensed adjusting violates the Florida Insurance Code and exposes the person to DFS cease-and-desist orders,
administrative fines, and criminal referral for unlicensed practice. Options B, C, and D understate or misstate the law; licensure is
mandatory regardless of where the insurer is domiciled.
Q15: An adjuster denies a fire claim the same day it is reported, without inspecting the property or reviewing the policy. Which
unfair claims settlement practice does this violate?
A. Misrepresenting the amount of the deductible
B. Compelling claimants to institute litigation
C. Refusing to pay claims without conducting a reasonable investigation *[CORRECT]*
D. Failing to maintain claim complaint files
Correct Answer: C
Rationale: F.S. 626.9541 prohibits refusing to pay claims without conducting a reasonable investigation based on all available
information. Options A, B, and D are separate unfair practices that do not describe a denial made without any investigation at all.
Q16: What is the KEY DISTINCTION between a public adjuster and an independent adjuster?
A. Public adjusters need no license, while independent adjusters do
B. Independent adjusters represent the insured, while public adjusters represent insurers
C. Public adjusters represent the insured for a fee, while independent adjusters represent insurers under contract
*[CORRECT]*
D. Both represent the insured, but only public adjusters may charge fees
Correct Answer: C
Rationale: A public adjuster is the insured's paid fiduciary representative, while an independent adjuster is contracted by insurers to
adjust claims on the insurers' behalf. Options A, B, and D reverse or blur this representation relationship, which is a core Florida
licensing concept.
Q17: How often must a Florida adjuster license and insurer appointment be RENEWED?
A. Annually B. Every five years
C. Every three years D. Biennially - every two years *[CORRECT]*
Correct Answer: D
Rationale: Florida adjuster licenses and appointments renew on a two-year biennial cycle. Annual, three-year, and five-year cycles in
options A, B, and C do not match the DFS renewal schedule and would cause a licensee who follows them to lapse.
Florida Claims Adjuster Licensing Examination - Answer Key with Rationales Page 3
, FLORIDA CLAIMS ADJUSTER EXAM | 2026/2027 EDITION 206 QUESTIONS
Q18: An adjuster knows her investigation supports a $9,000 settlement but offers $3,500, hoping the insured will take quick cash
before consulting anyone. What practice is this?
A. A lawful negotiation tactic
B. An approved cost-containment strategy
C. A permissible use of delegated settlement authority
D. An unlawful attempt to settle for less than a reasonable amount *[CORRECT]*
Correct Answer: D
Rationale: Offering substantially less than the reasonably supported value of a claim violates F.S. 626.9541, which forbids attempts to
settle for less than a reasonable person would expect given the facts. Options A, C, and D wrongly reframe a prohibited lowball tactic as
legitimate negotiation.
Q19: Which state agency licenses adjusters and enforces the Florida Insurance Code's claim-handling rules?
A. The Florida Department of Financial Services (DFS) *[CORRECT]*
B. The Florida Department of Transportation
C. The Office of the State Attorney General
D. The National Association of Insurance Commissioners
Correct Answer: A
Rationale: The Department of Financial Services licenses and disciplines adjusters and enforces the Insurance Code through its
Division of Insurance Agent and Agency Services. The NAIC is a standards organization with no regulatory power over Florida
licensees, and options B and C have no insurance licensing authority.
Q20: How long must a Florida adjuster maintain claim files and business records and make them available to DFS upon request?
A. Six months B. One year
C. Five years *[CORRECT]* D. Ten years
Correct Answer: C
Rationale: Florida rules require adjusters to keep claim records and business records for five years and to produce them to DFS upon
request. Options A and B fall far short of the requirement, and option D states a period longer than the rule tested on the examination.
Q21: After signing a public adjuster contract, how many days does the insured have to RESCIND (cancel) the agreement without
penalty?
A. Three days B. Five days *[CORRECT]*
C. Ten days D. Thirty days
Correct Answer: B
Rationale: F.S. 626.854 gives the insured a five-day right of rescission on public adjuster contracts. Options A, C, and D misstate the
statutory rescission period that DFS expects every adjuster to know.
Q22: An adjuster moves from Tampa to Jacksonville. Within what period must she notify DFS of her change of address?
A. Within 30 days *[CORRECT]* B. Within 90 days
C. Within 6 months D. No notice is required
Correct Answer: A
Rationale: Florida administrative rules require licensees to report a change of mailing or residence address to DFS within 30 days.
Options B and C are too slow and would leave the licensee noncompliant, and option D is incorrect because current contact information
is a continuing condition of the license.
Q23: A public adjuster pays an unlicensed runner $500 for each new client the runner brings in. What has the adjuster done?
A. A permitted marketing expense
B. Nothing improper, if the runner signs a receipt
C. Proper networking under Rule 69B-220.201
D. Engaged in prohibited fee-splitting with an unlicensed person *[CORRECT]*
Correct Answer: D
Rationale: Public adjusters may not compensate unlicensed persons for soliciting or referring claim business; such fee-splitting violates
F.S. 626.854 and DFS rules. Options A, B, and C wrongly treat an unlawful referral payment as ordinary marketing or documentation.
Q24: An insurer stalls a clearly covered claim for months hoping the insured will sue just to be paid. Which unfair practice under F.S.
626.9541 does this describe?
A. Misrepresenting deductible amounts
B. Failing to maintain complaint files
C. Compelling claimants to institute litigation to recover amounts due under a policy *[CORRECT]*
D. Delaying payment to a third-party claimant
Correct Answer: C
Rationale: The statute expressly prohibits compelling policyholders to institute litigation to recover amounts due under a policy by
offering substantially less or delaying unreasonably. Option D concerns third-party payments, while options A and B are unrelated
disclosure and recordkeeping practices.
Florida Claims Adjuster Licensing Examination - Answer Key with Rationales Page 4
206 QUESTIONS WITH 100% CORRECT ANSWERS | 33 PAGES
Florida Department of Financial Services (DFS) Alignment | Florida Statutes Chapters 624-632 | Florida Administrative Code Chapter
69B | 2026/2027 Edition
SECTION 1: FLORIDA INSURANCE REGULATIONS, LICENSING & Questions 1 - 35
ETHICS
Q1: Under F.S. 626.112, an individual who wants to adjust claims in Florida on behalf of an insurance company must FIRST obtain
what?
A. A written waiver from the Department of Financial Services
B. A notary commission from the Florida Secretary of State
C. A four-year insurance degree from an accredited college
D. An adjuster license and an appointment from each insurer the adjuster will represent *[CORRECT]*
Correct Answer: D
Rationale: F.S. 626.112 requires every adjuster to be licensed by the Department of Financial Services and appointed by each insurer
the adjuster represents before adjusting any claims. Options A, C, and D describe credentials that are neither required nor recognized
substitutes for licensure and appointment under the Florida Insurance Code.
Q2: Marco recently passed the Florida all-lines adjuster examination and wants to work as an INDEPENDENT adjuster (license class
6-20). Before adjusting claims in Florida, what must he file?
A. A $10,000 surety bond
B. A certificate of good standing from his former employer
C. A $5,000 surety bond *[CORRECT]*
D. A $50,000 irrevocable letter of credit
Correct Answer: C
Rationale: An independent adjuster (6-20) must file a $5,000 surety bond before adjusting claims in Florida. Option A states the public
adjuster bond amount, and options B and D are not filing requirements; Florida DFS exam standards repeatedly test the $5,000
independent / $10,000 public bond distinction.
Q3: A staff (company) adjuster holds a 5-40 all-lines license and adjusts claims only for the insurer that employs her. What surety
bond must she maintain?
A. No surety bond is required for staff adjusters *[CORRECT]*
B. $5,000
C. $10,000
D. $15,000
Correct Answer: A
Rationale: Staff adjusters are not required to post any surety bond because they adjust only for their appointing insurer. The $5,000
bond applies to independent adjusters and the $10,000 bond applies to public adjusters, so B, C, and D confuse the Florida licensing
bond schedule.
Q4: Priya wants to represent policyholders - not insurers - in negotiating their property claims for a fee. Which license and bond
combination applies?
A. 6-20 license with a $5,000 bond
B. 5-40 license with no bond
C. 70-20 license with a $5,000 bond
D. 3-20 public adjuster license with a $10,000 bond *[CORRECT]*
Correct Answer: D
Rationale: Only a 3-20 public adjuster may represent the insured for compensation, and F.S. 626.854 requires that public adjuster to
carry a $10,000 surety bond. Options A and C describe license classes that represent insurers, and option B incorrectly pairs a staff
license with public adjusting work.
Q5: What are Florida's continuing education requirements for a licensed adjuster each biennium (two-year renewal period)?
A. 10 hours, including 2 hours of ethics or law
B. 14 hours, all of which may be any subject the licensee chooses
C. 40 hours, including 10 hours of ethics or law
D. 24 hours, including 5 hours of ethics or law *[CORRECT]*
Correct Answer: D
Rationale: Florida adjusters must complete 24 hours of continuing education every two-year biennium, of which 5 hours must be in
ethics or law. The other choices understate or misstate the DFS requirement and would leave the licensee ineligible to renew on
Florida Claims Adjuster Licensing Examination - Answer Key with Rationales Page 1
,FLORIDA CLAIMS ADJUSTER EXAM | 2026/2027 EDITION 206 QUESTIONS
schedule.
Q6: An insured emails and calls his adjuster four times over three weeks seeking a status update on his water damage claim, and the
adjuster never responds. Which unfair claims settlement practice has the adjuster committed?
A. Attempting to settle for less than the claim is worth
B. Misrepresenting pertinent policy provisions
C. Failing to acknowledge and act promptly upon communications *[CORRECT]*
D. Failing to maintain claim complaint files
Correct Answer: C
Rationale: F.S. 626.9541 lists failing to acknowledge and act promptly upon communications from claimants as an unfair claims
settlement practice. Option A concerns settlement amounts, option B concerns statements about coverage, and option D is a
recordkeeping issue - none describes ignoring claimant contact.
Q7: Under F.S. 626.9541, which settlement conduct is expressly PROHIBITED?
A. Offering to settle a claim for less than the amount a reasonable person would believe was warranted by the facts
*[CORRECT]*
B. Negotiating a fair settlement supported by a complete investigation
C. Explaining policy exclusions accurately to a claimant
D. Requesting a signed proof of loss when the policy requires one
Correct Answer: A
Rationale: The statute prohibits attempting to settle claims for substantially less than the amount a reasonable person would believe
warranted, commonly called lowballing. Options B, C, and D are proper, lawful adjusting activities that DFS expects licensees to
perform in every claim.
Q8: An insurer wants to place a catastrophe intern on storm claims quickly. Under F.S. 626.155, which statement about a temporary
adjuster license is CORRECT?
A. It is valid for 180 days and renewable twice
B. It is valid for 90 days and may be renewed indefinitely
C. It is valid for one year and requires the state examination
D. It is valid for 90 days, issued only once, and requires no examination *[CORRECT]*
Correct Answer: D
Rationale: A temporary adjuster license is valid for 90 days, may be issued only one time, and does not require the qualifying
examination. Options A and B misstate the renewal rule, and option C is wrong because no examination is required for temporary
licensure.
Q9: A public adjuster signs a contract with an insured after the Governor declares a state of emergency for a hurricane affecting the
insured's county. What is the MAXIMUM fee the public adjuster may charge?
A. 20 percent of the claim payment
B. 25 percent of the claim payment
C. 15 percent of the claim payment
D. 10 percent of the claim payment *[CORRECT]*
Correct Answer: D
Rationale: F.S. 626.854 caps public adjuster fees at 10 percent of claim payments on policies issued or renewed during a declared state
of emergency. Options A, B, and C exceed the emergency cap and would expose the adjuster to discipline and fee disgorgement.
Q10: Under F.S. 626.854, which activity is a public adjuster EXPRESSLY PROHIBITED from doing?
A. Inspecting the damaged property of a client
B. Negotiating the amount of a claim with the insurer
C. Giving legal advice or accepting a referral fee from an attorney *[CORRECT]*
D. Preparing an inventory of the client's damaged personal property
Correct Answer: C
Rationale: Public adjusters may inspect, inventory, document, and negotiate claims, but they may not practice law, give legal advice, or
split fees with attorneys for referrals. Options A, B, and D are core lawful duties of the public adjuster license in Florida.
Q11: Julia holds the Associate in Claims (AIC) professional designation. Under Florida licensure rules, how may she qualify for the
6-20 all-lines adjuster license?
A. She must still pass the Florida state examination because designations never count
B. She may qualify through her professional designation without taking the state examination *[CORRECT]*
C. She must complete a 440-hour classroom course before applying
D. She may apply only after completing one year of adjusting experience
Correct Answer: B
Rationale: Florida grants adjuster licensure based on passing the state examination, completing an approved 440-hour designation, or
holding certain professional designations such as AIC or CPCU. Option A ignores the designation waiver, option C describes only one
alternative path, and option D invents an experience requirement.
Florida Claims Adjuster Licensing Examination - Answer Key with Rationales Page 2
,FLORIDA CLAIMS ADJUSTER EXAM | 2026/2027 EDITION 206 QUESTIONS
Q12: Which adjuster license class is held by an adjuster who is an EMPLOYEE of an insurance company and adjusts claims only on
that company's own policies?
A. 5-40 staff/company adjuster *[CORRECT]*
B. 3-20 public adjuster
C. 6-20 independent adjuster
D. 70-20 worker's compensation adjuster
Correct Answer: A
Rationale: The 5-40 all-lines license is the staff or company adjuster license used by insurer employees. The 3-20 serves insureds, the
6-20 serves insurers on a contract basis, and the 70-20 is limited to workers' compensation claims, so the other options misidentify the
employment relationship.
Q13: Under the Florida adjuster Code of Ethics in Rule 69B-220.201, what is the adjuster's fundamental obligation when dealing
with claimants?
A. To minimize every claim payment to protect the insurer's surplus
B. To advise claimants to retain attorneys before settling any claim
C. To settle claims only after litigation has been threatened
D. To exercise utmost good faith and honesty in all dealings with claimants and the insurer *[CORRECT]*
Correct Answer: D
Rationale: Rule 69B-220.201 requires the adjuster to exercise utmost good faith and honesty toward both the claimant and the
appointing insurer. Options A, B, and C describe conduct that would violate the code and the unfair claims settlement practices statute.
Q14: What is the MOST SERIOUS consequence an individual faces for adjusting insurance claims in Florida without holding any
license?
A. Administrative discipline, civil penalties, and possible criminal prosecution *[CORRECT]*
B. A written warning with no penalties for a first offense
C. Automatic licensure after paying a small back fee
D. No consequence, if the work was performed for an out-of-state insurer
Correct Answer: A
Rationale: Unlicensed adjusting violates the Florida Insurance Code and exposes the person to DFS cease-and-desist orders,
administrative fines, and criminal referral for unlicensed practice. Options B, C, and D understate or misstate the law; licensure is
mandatory regardless of where the insurer is domiciled.
Q15: An adjuster denies a fire claim the same day it is reported, without inspecting the property or reviewing the policy. Which
unfair claims settlement practice does this violate?
A. Misrepresenting the amount of the deductible
B. Compelling claimants to institute litigation
C. Refusing to pay claims without conducting a reasonable investigation *[CORRECT]*
D. Failing to maintain claim complaint files
Correct Answer: C
Rationale: F.S. 626.9541 prohibits refusing to pay claims without conducting a reasonable investigation based on all available
information. Options A, B, and D are separate unfair practices that do not describe a denial made without any investigation at all.
Q16: What is the KEY DISTINCTION between a public adjuster and an independent adjuster?
A. Public adjusters need no license, while independent adjusters do
B. Independent adjusters represent the insured, while public adjusters represent insurers
C. Public adjusters represent the insured for a fee, while independent adjusters represent insurers under contract
*[CORRECT]*
D. Both represent the insured, but only public adjusters may charge fees
Correct Answer: C
Rationale: A public adjuster is the insured's paid fiduciary representative, while an independent adjuster is contracted by insurers to
adjust claims on the insurers' behalf. Options A, B, and D reverse or blur this representation relationship, which is a core Florida
licensing concept.
Q17: How often must a Florida adjuster license and insurer appointment be RENEWED?
A. Annually B. Every five years
C. Every three years D. Biennially - every two years *[CORRECT]*
Correct Answer: D
Rationale: Florida adjuster licenses and appointments renew on a two-year biennial cycle. Annual, three-year, and five-year cycles in
options A, B, and C do not match the DFS renewal schedule and would cause a licensee who follows them to lapse.
Florida Claims Adjuster Licensing Examination - Answer Key with Rationales Page 3
, FLORIDA CLAIMS ADJUSTER EXAM | 2026/2027 EDITION 206 QUESTIONS
Q18: An adjuster knows her investigation supports a $9,000 settlement but offers $3,500, hoping the insured will take quick cash
before consulting anyone. What practice is this?
A. A lawful negotiation tactic
B. An approved cost-containment strategy
C. A permissible use of delegated settlement authority
D. An unlawful attempt to settle for less than a reasonable amount *[CORRECT]*
Correct Answer: D
Rationale: Offering substantially less than the reasonably supported value of a claim violates F.S. 626.9541, which forbids attempts to
settle for less than a reasonable person would expect given the facts. Options A, C, and D wrongly reframe a prohibited lowball tactic as
legitimate negotiation.
Q19: Which state agency licenses adjusters and enforces the Florida Insurance Code's claim-handling rules?
A. The Florida Department of Financial Services (DFS) *[CORRECT]*
B. The Florida Department of Transportation
C. The Office of the State Attorney General
D. The National Association of Insurance Commissioners
Correct Answer: A
Rationale: The Department of Financial Services licenses and disciplines adjusters and enforces the Insurance Code through its
Division of Insurance Agent and Agency Services. The NAIC is a standards organization with no regulatory power over Florida
licensees, and options B and C have no insurance licensing authority.
Q20: How long must a Florida adjuster maintain claim files and business records and make them available to DFS upon request?
A. Six months B. One year
C. Five years *[CORRECT]* D. Ten years
Correct Answer: C
Rationale: Florida rules require adjusters to keep claim records and business records for five years and to produce them to DFS upon
request. Options A and B fall far short of the requirement, and option D states a period longer than the rule tested on the examination.
Q21: After signing a public adjuster contract, how many days does the insured have to RESCIND (cancel) the agreement without
penalty?
A. Three days B. Five days *[CORRECT]*
C. Ten days D. Thirty days
Correct Answer: B
Rationale: F.S. 626.854 gives the insured a five-day right of rescission on public adjuster contracts. Options A, C, and D misstate the
statutory rescission period that DFS expects every adjuster to know.
Q22: An adjuster moves from Tampa to Jacksonville. Within what period must she notify DFS of her change of address?
A. Within 30 days *[CORRECT]* B. Within 90 days
C. Within 6 months D. No notice is required
Correct Answer: A
Rationale: Florida administrative rules require licensees to report a change of mailing or residence address to DFS within 30 days.
Options B and C are too slow and would leave the licensee noncompliant, and option D is incorrect because current contact information
is a continuing condition of the license.
Q23: A public adjuster pays an unlicensed runner $500 for each new client the runner brings in. What has the adjuster done?
A. A permitted marketing expense
B. Nothing improper, if the runner signs a receipt
C. Proper networking under Rule 69B-220.201
D. Engaged in prohibited fee-splitting with an unlicensed person *[CORRECT]*
Correct Answer: D
Rationale: Public adjusters may not compensate unlicensed persons for soliciting or referring claim business; such fee-splitting violates
F.S. 626.854 and DFS rules. Options A, B, and C wrongly treat an unlawful referral payment as ordinary marketing or documentation.
Q24: An insurer stalls a clearly covered claim for months hoping the insured will sue just to be paid. Which unfair practice under F.S.
626.9541 does this describe?
A. Misrepresenting deductible amounts
B. Failing to maintain complaint files
C. Compelling claimants to institute litigation to recover amounts due under a policy *[CORRECT]*
D. Delaying payment to a third-party claimant
Correct Answer: C
Rationale: The statute expressly prohibits compelling policyholders to institute litigation to recover amounts due under a policy by
offering substantially less or delaying unreasonably. Option D concerns third-party payments, while options A and B are unrelated
disclosure and recordkeeping practices.
Florida Claims Adjuster Licensing Examination - Answer Key with Rationales Page 4
