Florida Public Adjuster (Set 2) UPDATED 2024 EXAM
QUESTIONS AND DETAILED ANSWERS
A new, unused vehicle is not required to be inspected prior to
obtaining physical damage insurance coverage if the insurer is
provided with: - ✔️CORRECT ANSWER✅-the insured can
prove to the insurer with a bill of sale that the vehicle is a
new/unused car.
If an appointed agent says a certain claim is covered, the
insurer must cover that claim. The insurer would be prohibited
from or estopped from denying it, even if the policy clearly
excluded the claim. This is known as: - ✔️CORRECT
ANSWER✅-Estoppel
Sprinkler Leakage Insurance does not provide coverage for: -
✔️CORRECT ANSWER✅-Growing Crops (Crop insurance is
separate)
Personal Property under HO-3 is covered on a - ✔️CORRECT
ANSWER✅-Named Peril basis
, Personal Property under HO-5 is covered on - ✔️CORRECT
ANSWER✅-an open peril basis
Debris removal is included in the dwelling and contents
coverage, but is limited to - ✔️CORRECT ANSWER✅-
reasonable expenses
If a commercial building has been vacant for more than 60
days, the following peril(s) are affected as regards to coverage:
- ✔️CORRECT ANSWER✅-Vandalism
Freezing
Fire
A personal insurance policy that includes both personal
property and personal liability coverages without endorsement:
- ✔️CORRECT ANSWER✅-Homeowners Policy
Under a Commercial Package Policy, how many days does one
have to notify the insurance company of a claim? - ✔️CORRECT
ANSWER✅-The insurer must notify promptly. The number of
days are not specific.
QUESTIONS AND DETAILED ANSWERS
A new, unused vehicle is not required to be inspected prior to
obtaining physical damage insurance coverage if the insurer is
provided with: - ✔️CORRECT ANSWER✅-the insured can
prove to the insurer with a bill of sale that the vehicle is a
new/unused car.
If an appointed agent says a certain claim is covered, the
insurer must cover that claim. The insurer would be prohibited
from or estopped from denying it, even if the policy clearly
excluded the claim. This is known as: - ✔️CORRECT
ANSWER✅-Estoppel
Sprinkler Leakage Insurance does not provide coverage for: -
✔️CORRECT ANSWER✅-Growing Crops (Crop insurance is
separate)
Personal Property under HO-3 is covered on a - ✔️CORRECT
ANSWER✅-Named Peril basis
, Personal Property under HO-5 is covered on - ✔️CORRECT
ANSWER✅-an open peril basis
Debris removal is included in the dwelling and contents
coverage, but is limited to - ✔️CORRECT ANSWER✅-
reasonable expenses
If a commercial building has been vacant for more than 60
days, the following peril(s) are affected as regards to coverage:
- ✔️CORRECT ANSWER✅-Vandalism
Freezing
Fire
A personal insurance policy that includes both personal
property and personal liability coverages without endorsement:
- ✔️CORRECT ANSWER✅-Homeowners Policy
Under a Commercial Package Policy, how many days does one
have to notify the insurance company of a claim? - ✔️CORRECT
ANSWER✅-The insurer must notify promptly. The number of
days are not specific.
