Florida 6-20 All Lines Adjuster Exam - 2026/2027 Edition 332 Questions - Review Examination
FLORIDA CLAIMS ADJUSTER EXAM
6-20 ALL LINES ADJUSTER - FLORIDA - REVIEW
332 Questions | 41 Pages | 2026/2027 Edition
Aligned with Florida Department of Financial Services (DFS) All Lines (6-20) Adjuster Licensing
Requirements, Florida Statutes (Chapters 624-632), Florida Administrative Code (Chapter 69B), and Claims
Adjusting Standards.
EXAMINATION SPECIFICATIONS
Total Questions 332
Number of Sections 8
Format Multiple Choice (A-D), One Correct Answer
Cognitive Distribution 25% Recall | 50% Application | 25% Analysis
Style Distribution 70% Scenario-Based | 30% Direct Knowledge
Special Inclusions 35 Florida-Specific Regulatory Qs | 25 Calculations | 20 Claims Handling Scenarios | 20 Comprehensive
Governing Authority Florida Department of Financial Services (DFS)
Statutory Authority F.S. Chapters 624-632; F.A.C. Chapter 69B
Edition 2026/2027
Section Topic Questions
1 Florida Insurance Regulations, Licensing & Ethics Q1 - Q45 (45)
2 General Insurance Concepts & Policy Provisions Q46 - Q85 (40)
3 Property Insurance - Perils, Hazards, & Losses Q86 - Q130 (45)
4 Casualty Insurance - Liability & Auto Q131 - Q175 (45)
5 Homeowners & Commercial Property Coverage Q176 - Q215 (40)
6 Workers' Compensation & Miscellaneous Lines Q216 - Q240 (25)
7 Claims Handling Procedures & Florida-Specific Law Q241 - Q280 (40)
8 Comprehensive Case Studies & Complex Scenarios Q281 - Q332 (52)
TOTAL 332 Questions
Florida DFS - All Lines (6-20) Adjuster Licensing Page 1 Confidential - Examination Use Only
,Florida 6-20 All Lines Adjuster Exam - 2026/2027 Edition 332 Questions - Review Examination
Section 1: Florida Insurance Regulations, Licensing & Ethics
This section addresses Florida licensing requirements, regulatory statutes, ethical standards, prohibited practices, and
DFS disciplinary authority applicable to the 6-20 All Lines adjuster.
Q1: An independent adjuster in Florida holding a 6-20 All Lines adjuster license is required to maintain a
surety bond in what amount?
A. $2,500
B. $5,000 [CORRECT]
C. $10,000
D. $25,000
Correct Answer: B
Rationale: Under F.S. 626.378, an independent Florida 6-20 All Lines adjuster must file and maintain a $5,000 surety
bond. The $10,000 bond applies to public adjusters, while staff adjusters (employed by a single insurer) are not required to
post any bond under Florida DFS rules.
Q2: A public adjuster in Florida must maintain a surety bond in what amount, and what is the fee limitation
during a declared state of emergency?
A. $5,000 bond; 20% fee cap
B. $10,000 bond; 10% fee cap [CORRECT]
C. $10,000 bond; 20% fee cap
D. $5,000 bond; 10% fee cap
Correct Answer: B
Rationale: F.S. 626.854 requires a $10,000 surety bond for public adjusters. During a declared state of emergency, the
public adjuster fee is capped at 10% of the claim payment; outside such declarations the cap is 20%. Contracts must be in
writing and disclosed to the insured.
Q3: A Florida 6-20 All Lines adjuster license expires biennially on which date?
A. December 31 of even years
B. August 31 of odd years [CORRECT]
C. June 30 of even years
D. October 31 of odd years
Correct Answer: B
Rationale: Florida adjuster licenses expire on August 31 of odd-numbered years per F.S. 626.531. Adjusters must complete
continuing education and submit renewal fees before this date or the license lapses, requiring reinstatement procedures.
Q4: What are the continuing education requirements for a Florida 6-20 All Lines adjuster per biennium?
A. 12 hours, including 3 hours ethics/law
B. 24 hours, including 5 hours ethics or law [CORRECT]
C. 30 hours, including 10 hours ethics/law
D. 20 hours, including 2 hours ethics/law
Correct Answer: B
Rationale: Per F.S. 626.2816 and F.A.C. 69B-128, Florida 6-20 adjusters must complete 24 hours of continuing education
each biennium, including a mandatory 5 hours of ethics or law. Failing to comply suspends the license until CE is
completed and penalties paid.
Florida DFS - All Lines (6-20) Adjuster Licensing Page 2 Confidential - Examination Use Only
,Florida 6-20 All Lines Adjuster Exam - 2026/2027 Edition 332 Questions - Review Examination
Q5: Which Florida statute enumerates Unfair Claims Settlement Practices, including the failure to
acknowledge communications and refusal to pay without reasonable investigation?
A. F.S. 624.307
B. F.S. 626.9541 [CORRECT]
C. F.S. 627.706
D. F.S. 626.610
Correct Answer: B
Rationale: F.S. 626.9541 defines Unfair Methods of Competition and Unfair or Deceptive Acts or Practices, including
claims-related violations such as failing to acknowledge communications, attempting to settle for less than a reasonable
amount, and denying claims without reasonable investigation. DFS may impose penalties for violations.
Q6: A Florida adjuster receives a written claim communication from an insured. Under F.A.C. 69B-220.201,
within what timeframe must the adjuster acknowledge receipt, absent a declared catastrophe?
A. 7 calendar days
B. 10 calendar days
C. 14 calendar days [CORRECT]
D. 21 calendar days
Correct Answer: C
Rationale: F.A.C. 69B-220.201 requires adjusters to acknowledge written communications within 14 calendar days.
During declared catastrophes the DFS may extend this, but the default rule is 14 days. Failure to acknowledge is also a
violation of F.S. 626.9541(1)(i).
Q7: Which of the following acts is expressly PROHIBITED under Florida law and constitutes rebating?
A. Offering a premium discount expressly permitted by the insurer's filed rate manual
B. Returning part of the agent's commission to the insured as an inducement to purchase insurance
[CORRECT]
C. Refunding unearned premium upon policy cancellation
D. Allowing the insured to pay premiums in installments per the policy terms
Correct Answer: B
Rationale: Rebating under F.S. 626.572 occurs when an agent or adjuster gives or offers any valuable consideration as an
inducement to purchase insurance not specified in the policy. Returning commission as an inducement is a classic rebating
violation and a Class II misdemeanor, subject to license discipline.
Q8: An agent tells a Florida policyholder that their current insurer is in financial trouble (knowing this is
false) and persuades them to replace their coverage with another carrier. This practice is known as:
A. Rebating
B. Twisting [CORRECT]
C. Churning
D. Sliding
Correct Answer: B
Rationale: Twisting under F.S. 626.563 is the knowing misrepresentation or incomplete comparison of insurance policies
that induces a policyholder to lapse, forfeit, or replace existing coverage to the detriment of the insured. Churning involves
replacement within the same company; sliding involves adding coverage without consent.
Florida DFS - All Lines (6-20) Adjuster Licensing Page 3 Confidential - Examination Use Only
, Florida 6-20 All Lines Adjuster Exam - 2026/2027 Edition 332 Questions - Review Examination
Q9: Which statement regarding Florida staff adjusters is correct under F.S. 626.855?
A. Staff adjusters must post a $5,000 surety bond.
B. Staff adjusters are exempt from licensure if they handle only one insurer's claims.
C. Staff adjusters must be licensed as 6-20 adjusters but are not required to post a surety bond. [CORRECT]
D. Staff adjusters may contract directly with the public for fees.
Correct Answer: C
Rationale: Florida staff adjusters (employed exclusively by one insurer) must hold a valid 6-20 adjuster license but are
exempt from the surety bond requirement because the insurer bears statutory responsibility for their conduct. They may not
contract directly with the public as independent or public adjusters.
Q10: A new Florida resident wishes to become a 6-20 All Lines adjuster without taking the state examination.
Which pathway is permitted by the DFS?
A. Submit a license application only; examination is automatically waived for residents.
B. Designation from an accredited pre-licensing course such as the Accredited Claims Adjuster Designation
(ACA), waiving the exam [CORRECT]
C. Submit proof of 10 years of insurance industry employment; exam waived automatically.
D. Designation from any nationally recognized real estate school substitutes for the adjuster exam.
Correct Answer: B
Rationale: Florida permits certain accredited pre-licensing designations (e.g., the Florida Accredited Claims Adjuster
designation offered by approved providers) to substitute for the state adjuster examination under F.S. 626.2815. Applicants
must still submit fingerprints and apply through the DFS.
Q11: Under Florida law, what is the maximum period for which a temporary adjuster permit may be issued,
and who may sponsor the applicant?
A. 30 days; any licensed agent
B. 90 days; any insurer or independently licensed adjuster with at least 5 years of experience
C. 6 months; an insurer or adjuster employer certifying the applicant is in training [CORRECT]
D. 12 months; only an admitted Florida insurer
Correct Answer: C
Rationale: F.S. 626.2810 allows the DFS to issue a temporary adjuster permit not to exceed six months to applicants
employed by an insurer or licensed adjusting firm and actively preparing for licensure. The permit is nonrenewable and the
holder may only act under the supervision of a licensed adjuster.
Q12: An adjuster fails to complete the required 24 hours of CE during the biennium. Which consequence
applies under F.S. 626.2816?
A. Automatic permanent revocation of license
B. License suspension until CE is complete plus a fine; reinstatement must occur within the suspension period
[CORRECT]
C. A written warning only, with no fine
D. Reduction of the next biennium's CE requirement by half
Correct Answer: B
Rationale: Failure to complete CE results in license suspension under F.S. 626.2816. The adjuster must complete the
deficiency, pay a fine, and reinstate within the permitted reinstatement window or requalify by examination. Continuing to
adjust claims while suspended constitutes an unauthorized practice.
Florida DFS - All Lines (6-20) Adjuster Licensing Page 4 Confidential - Examination Use Only
FLORIDA CLAIMS ADJUSTER EXAM
6-20 ALL LINES ADJUSTER - FLORIDA - REVIEW
332 Questions | 41 Pages | 2026/2027 Edition
Aligned with Florida Department of Financial Services (DFS) All Lines (6-20) Adjuster Licensing
Requirements, Florida Statutes (Chapters 624-632), Florida Administrative Code (Chapter 69B), and Claims
Adjusting Standards.
EXAMINATION SPECIFICATIONS
Total Questions 332
Number of Sections 8
Format Multiple Choice (A-D), One Correct Answer
Cognitive Distribution 25% Recall | 50% Application | 25% Analysis
Style Distribution 70% Scenario-Based | 30% Direct Knowledge
Special Inclusions 35 Florida-Specific Regulatory Qs | 25 Calculations | 20 Claims Handling Scenarios | 20 Comprehensive
Governing Authority Florida Department of Financial Services (DFS)
Statutory Authority F.S. Chapters 624-632; F.A.C. Chapter 69B
Edition 2026/2027
Section Topic Questions
1 Florida Insurance Regulations, Licensing & Ethics Q1 - Q45 (45)
2 General Insurance Concepts & Policy Provisions Q46 - Q85 (40)
3 Property Insurance - Perils, Hazards, & Losses Q86 - Q130 (45)
4 Casualty Insurance - Liability & Auto Q131 - Q175 (45)
5 Homeowners & Commercial Property Coverage Q176 - Q215 (40)
6 Workers' Compensation & Miscellaneous Lines Q216 - Q240 (25)
7 Claims Handling Procedures & Florida-Specific Law Q241 - Q280 (40)
8 Comprehensive Case Studies & Complex Scenarios Q281 - Q332 (52)
TOTAL 332 Questions
Florida DFS - All Lines (6-20) Adjuster Licensing Page 1 Confidential - Examination Use Only
,Florida 6-20 All Lines Adjuster Exam - 2026/2027 Edition 332 Questions - Review Examination
Section 1: Florida Insurance Regulations, Licensing & Ethics
This section addresses Florida licensing requirements, regulatory statutes, ethical standards, prohibited practices, and
DFS disciplinary authority applicable to the 6-20 All Lines adjuster.
Q1: An independent adjuster in Florida holding a 6-20 All Lines adjuster license is required to maintain a
surety bond in what amount?
A. $2,500
B. $5,000 [CORRECT]
C. $10,000
D. $25,000
Correct Answer: B
Rationale: Under F.S. 626.378, an independent Florida 6-20 All Lines adjuster must file and maintain a $5,000 surety
bond. The $10,000 bond applies to public adjusters, while staff adjusters (employed by a single insurer) are not required to
post any bond under Florida DFS rules.
Q2: A public adjuster in Florida must maintain a surety bond in what amount, and what is the fee limitation
during a declared state of emergency?
A. $5,000 bond; 20% fee cap
B. $10,000 bond; 10% fee cap [CORRECT]
C. $10,000 bond; 20% fee cap
D. $5,000 bond; 10% fee cap
Correct Answer: B
Rationale: F.S. 626.854 requires a $10,000 surety bond for public adjusters. During a declared state of emergency, the
public adjuster fee is capped at 10% of the claim payment; outside such declarations the cap is 20%. Contracts must be in
writing and disclosed to the insured.
Q3: A Florida 6-20 All Lines adjuster license expires biennially on which date?
A. December 31 of even years
B. August 31 of odd years [CORRECT]
C. June 30 of even years
D. October 31 of odd years
Correct Answer: B
Rationale: Florida adjuster licenses expire on August 31 of odd-numbered years per F.S. 626.531. Adjusters must complete
continuing education and submit renewal fees before this date or the license lapses, requiring reinstatement procedures.
Q4: What are the continuing education requirements for a Florida 6-20 All Lines adjuster per biennium?
A. 12 hours, including 3 hours ethics/law
B. 24 hours, including 5 hours ethics or law [CORRECT]
C. 30 hours, including 10 hours ethics/law
D. 20 hours, including 2 hours ethics/law
Correct Answer: B
Rationale: Per F.S. 626.2816 and F.A.C. 69B-128, Florida 6-20 adjusters must complete 24 hours of continuing education
each biennium, including a mandatory 5 hours of ethics or law. Failing to comply suspends the license until CE is
completed and penalties paid.
Florida DFS - All Lines (6-20) Adjuster Licensing Page 2 Confidential - Examination Use Only
,Florida 6-20 All Lines Adjuster Exam - 2026/2027 Edition 332 Questions - Review Examination
Q5: Which Florida statute enumerates Unfair Claims Settlement Practices, including the failure to
acknowledge communications and refusal to pay without reasonable investigation?
A. F.S. 624.307
B. F.S. 626.9541 [CORRECT]
C. F.S. 627.706
D. F.S. 626.610
Correct Answer: B
Rationale: F.S. 626.9541 defines Unfair Methods of Competition and Unfair or Deceptive Acts or Practices, including
claims-related violations such as failing to acknowledge communications, attempting to settle for less than a reasonable
amount, and denying claims without reasonable investigation. DFS may impose penalties for violations.
Q6: A Florida adjuster receives a written claim communication from an insured. Under F.A.C. 69B-220.201,
within what timeframe must the adjuster acknowledge receipt, absent a declared catastrophe?
A. 7 calendar days
B. 10 calendar days
C. 14 calendar days [CORRECT]
D. 21 calendar days
Correct Answer: C
Rationale: F.A.C. 69B-220.201 requires adjusters to acknowledge written communications within 14 calendar days.
During declared catastrophes the DFS may extend this, but the default rule is 14 days. Failure to acknowledge is also a
violation of F.S. 626.9541(1)(i).
Q7: Which of the following acts is expressly PROHIBITED under Florida law and constitutes rebating?
A. Offering a premium discount expressly permitted by the insurer's filed rate manual
B. Returning part of the agent's commission to the insured as an inducement to purchase insurance
[CORRECT]
C. Refunding unearned premium upon policy cancellation
D. Allowing the insured to pay premiums in installments per the policy terms
Correct Answer: B
Rationale: Rebating under F.S. 626.572 occurs when an agent or adjuster gives or offers any valuable consideration as an
inducement to purchase insurance not specified in the policy. Returning commission as an inducement is a classic rebating
violation and a Class II misdemeanor, subject to license discipline.
Q8: An agent tells a Florida policyholder that their current insurer is in financial trouble (knowing this is
false) and persuades them to replace their coverage with another carrier. This practice is known as:
A. Rebating
B. Twisting [CORRECT]
C. Churning
D. Sliding
Correct Answer: B
Rationale: Twisting under F.S. 626.563 is the knowing misrepresentation or incomplete comparison of insurance policies
that induces a policyholder to lapse, forfeit, or replace existing coverage to the detriment of the insured. Churning involves
replacement within the same company; sliding involves adding coverage without consent.
Florida DFS - All Lines (6-20) Adjuster Licensing Page 3 Confidential - Examination Use Only
, Florida 6-20 All Lines Adjuster Exam - 2026/2027 Edition 332 Questions - Review Examination
Q9: Which statement regarding Florida staff adjusters is correct under F.S. 626.855?
A. Staff adjusters must post a $5,000 surety bond.
B. Staff adjusters are exempt from licensure if they handle only one insurer's claims.
C. Staff adjusters must be licensed as 6-20 adjusters but are not required to post a surety bond. [CORRECT]
D. Staff adjusters may contract directly with the public for fees.
Correct Answer: C
Rationale: Florida staff adjusters (employed exclusively by one insurer) must hold a valid 6-20 adjuster license but are
exempt from the surety bond requirement because the insurer bears statutory responsibility for their conduct. They may not
contract directly with the public as independent or public adjusters.
Q10: A new Florida resident wishes to become a 6-20 All Lines adjuster without taking the state examination.
Which pathway is permitted by the DFS?
A. Submit a license application only; examination is automatically waived for residents.
B. Designation from an accredited pre-licensing course such as the Accredited Claims Adjuster Designation
(ACA), waiving the exam [CORRECT]
C. Submit proof of 10 years of insurance industry employment; exam waived automatically.
D. Designation from any nationally recognized real estate school substitutes for the adjuster exam.
Correct Answer: B
Rationale: Florida permits certain accredited pre-licensing designations (e.g., the Florida Accredited Claims Adjuster
designation offered by approved providers) to substitute for the state adjuster examination under F.S. 626.2815. Applicants
must still submit fingerprints and apply through the DFS.
Q11: Under Florida law, what is the maximum period for which a temporary adjuster permit may be issued,
and who may sponsor the applicant?
A. 30 days; any licensed agent
B. 90 days; any insurer or independently licensed adjuster with at least 5 years of experience
C. 6 months; an insurer or adjuster employer certifying the applicant is in training [CORRECT]
D. 12 months; only an admitted Florida insurer
Correct Answer: C
Rationale: F.S. 626.2810 allows the DFS to issue a temporary adjuster permit not to exceed six months to applicants
employed by an insurer or licensed adjusting firm and actively preparing for licensure. The permit is nonrenewable and the
holder may only act under the supervision of a licensed adjuster.
Q12: An adjuster fails to complete the required 24 hours of CE during the biennium. Which consequence
applies under F.S. 626.2816?
A. Automatic permanent revocation of license
B. License suspension until CE is complete plus a fine; reinstatement must occur within the suspension period
[CORRECT]
C. A written warning only, with no fine
D. Reduction of the next biennium's CE requirement by half
Correct Answer: B
Rationale: Failure to complete CE results in license suspension under F.S. 626.2816. The adjuster must complete the
deficiency, pay a fine, and reinstate within the permitted reinstatement window or requalify by examination. Continuing to
adjust claims while suspended constitutes an unauthorized practice.
Florida DFS - All Lines (6-20) Adjuster Licensing Page 4 Confidential - Examination Use Only
