Florida Public Adjuster State
1. What is the primary responsibility of a public adjuster in Florida?
A. Representing insurance companies in claims
B. Estimating damages for repair contractors
C. Assisting policyholders in preparing and filing insurance claims
D. Providing legal advice to policyholders
Answer: C. Assisting policyholders in preparing and filing insurance claims
2. Which of the following types of insurance policies can a public adjuster handle in
Florida?
A. Homeowners Insurance
B. Automobile Insurance
,C. Health Insurance
D. All of the above
Answer: A. Homeowners Insurance
3. Under Florida law, what is the maximum percentage fee a public adjuster can
charge for a non-catastrophic loss claim?
A. 10%
B. 20%
C. 15%
D. 25%
Answer: C. 15%
4. What must a public adjuster do before beginning any negotiation on behalf of a
client?
A. File a lawsuit
B. Obtain written consent from the insurance company
C. Provide the client with a written contract
D. Perform an appraisal of the damage
Answer: C. Provide the client with a written contract
5. How long must a public adjuster maintain records of their claims activity and
contracts?
A. 1 year
B. 2 years
C. 3 years
D. 5 years
Answer: D. 5 years
6. What happens if a public adjuster misappropriates a client’s insurance claim
funds?
A. Their license may be suspended or revoked
B. The client will be responsible for repayment
, C. No action will be taken
D. They will be fined but retain their license
Answer: A. Their license may be suspended or revoked
7. Which of the following is prohibited under Florida Statutes for public adjusters?
A. Charging a contingency fee based on a percentage of the claim
B. Soliciting business directly after a loss
C. Assisting in preparing a proof of loss
D. Adjusting claims for commercial property
Answer: B. Soliciting business directly after a loss
8. What is the cooling-off period during which a client may cancel a public adjuster
contract in Florida without penalty?
A. 24 hours
B. 3 business days
C. 10 business days
D. 7 calendar days
Answer: B. 3 business days
9. What is required for a public adjuster to legally operate in Florida?
A. A legal degree
B. Certification from the Department of Financial Services
C. No formal requirements
D. Only a high school diploma
Answer: B. Certification from the Department of Financial Services
10. When must a public adjuster provide an estimate of the loss to the insurance
company?
A. Before filing the claim
B. Within 30 days of signing a contract with the client
C. After the claim is settled
D. Only upon request by the insurer
1. What is the primary responsibility of a public adjuster in Florida?
A. Representing insurance companies in claims
B. Estimating damages for repair contractors
C. Assisting policyholders in preparing and filing insurance claims
D. Providing legal advice to policyholders
Answer: C. Assisting policyholders in preparing and filing insurance claims
2. Which of the following types of insurance policies can a public adjuster handle in
Florida?
A. Homeowners Insurance
B. Automobile Insurance
,C. Health Insurance
D. All of the above
Answer: A. Homeowners Insurance
3. Under Florida law, what is the maximum percentage fee a public adjuster can
charge for a non-catastrophic loss claim?
A. 10%
B. 20%
C. 15%
D. 25%
Answer: C. 15%
4. What must a public adjuster do before beginning any negotiation on behalf of a
client?
A. File a lawsuit
B. Obtain written consent from the insurance company
C. Provide the client with a written contract
D. Perform an appraisal of the damage
Answer: C. Provide the client with a written contract
5. How long must a public adjuster maintain records of their claims activity and
contracts?
A. 1 year
B. 2 years
C. 3 years
D. 5 years
Answer: D. 5 years
6. What happens if a public adjuster misappropriates a client’s insurance claim
funds?
A. Their license may be suspended or revoked
B. The client will be responsible for repayment
, C. No action will be taken
D. They will be fined but retain their license
Answer: A. Their license may be suspended or revoked
7. Which of the following is prohibited under Florida Statutes for public adjusters?
A. Charging a contingency fee based on a percentage of the claim
B. Soliciting business directly after a loss
C. Assisting in preparing a proof of loss
D. Adjusting claims for commercial property
Answer: B. Soliciting business directly after a loss
8. What is the cooling-off period during which a client may cancel a public adjuster
contract in Florida without penalty?
A. 24 hours
B. 3 business days
C. 10 business days
D. 7 calendar days
Answer: B. 3 business days
9. What is required for a public adjuster to legally operate in Florida?
A. A legal degree
B. Certification from the Department of Financial Services
C. No formal requirements
D. Only a high school diploma
Answer: B. Certification from the Department of Financial Services
10. When must a public adjuster provide an estimate of the loss to the insurance
company?
A. Before filing the claim
B. Within 30 days of signing a contract with the client
C. After the claim is settled
D. Only upon request by the insurer
