FLORIDA PUBLIC ADJUSTER STATE TEST 2025|
BRAND NEW ACTUAL EXAM WITH 100% VERIFIED
QUESTIONS AND WELL DETAILED ANSWERS|
GUARANTEED 100% PASS|| LATEST UPDATE 2025/26
Florida No-Fault Tort Exemption -CORRECTANSWER Those who comply with the law
are granted limited immunity from suits of others through PIP coverage.
4 Exceptions to Tort Exemption(Threshold of No-Fault) -CORRECTANSWER 1.
Significant and Permanent loss of bodily function.
2.Permanent injury other than scarring and disfigurement.
3.Significant and Permanent scarring or disfigurement.
4.Death
What does NFIP stand for? -CORRECTANSWER National Flood Insurance Program
Form SR-22 -CORRECTANSWER Drivers Convicted of DUI or a traffic felony over the
prior 3 years are required to have 100/300/50 coverage or a certificate of self insurance
of $350,000.
Contents of a CGL Contract -CORRECTANSWER 1.Declarations Form
2.Common Policy Conditions Form
3. One of:
A.Occurrence Form
,B.Claims Made Form
4.Nuclear Energy Liability Exclusion Endorsement.
Declarations of a CGL Contract(4) -CORRECTANSWER 1.Named Insured(including
address)
2.Policy Period
3.Premium
4.Limits of Coverage
7 Common CGL Conditions -CORRECTANSWER 1.Cancellation(30 Days by insurer
option, 10 Days By no payment).
2.Changes
3.Examination of Books
4.Inspections and Surveys
5.Premiums
6.Transfer
7.Nuclear Endorsement
CGL Coverage A -CORRECTANSWER Bodily Injury and Property Damage Insuring
Agreement
The 3 Conditions that define work as "completed" -CORRECTANSWER 1.When all
work called for in the contract is completed.
, 2.When all work to be done at the site has been completed if one contract calls for work
at more than one site.
3.When that part of the work done at a job site has been put to its intended use by any
person or organization other than another contractor or subcontractor.
Occurance -CORRECTANSWER An accident, including continuous or repeated
exposure to substantially the same general harmful conditions.
accident -CORRECTANSWER Sudden, unexpected event
The Difference between "Occurance" and "Claims Made" CGL Coverages -
CORRECTANSWER The Coverage Trigger:
The Occurance Form applies to BI and PD regardless of any later time at which the
claim is made.
The Claims-Made Form applies only to BI and PD that occurs on or after the "Retro-
Active date"
Retro-Active Date -CORRECTANSWER The date on which the coverage legally began.
Basic Extended Reporting Period for CGL -CORRECTANSWER 60 Days after
expiration
BRAND NEW ACTUAL EXAM WITH 100% VERIFIED
QUESTIONS AND WELL DETAILED ANSWERS|
GUARANTEED 100% PASS|| LATEST UPDATE 2025/26
Florida No-Fault Tort Exemption -CORRECTANSWER Those who comply with the law
are granted limited immunity from suits of others through PIP coverage.
4 Exceptions to Tort Exemption(Threshold of No-Fault) -CORRECTANSWER 1.
Significant and Permanent loss of bodily function.
2.Permanent injury other than scarring and disfigurement.
3.Significant and Permanent scarring or disfigurement.
4.Death
What does NFIP stand for? -CORRECTANSWER National Flood Insurance Program
Form SR-22 -CORRECTANSWER Drivers Convicted of DUI or a traffic felony over the
prior 3 years are required to have 100/300/50 coverage or a certificate of self insurance
of $350,000.
Contents of a CGL Contract -CORRECTANSWER 1.Declarations Form
2.Common Policy Conditions Form
3. One of:
A.Occurrence Form
,B.Claims Made Form
4.Nuclear Energy Liability Exclusion Endorsement.
Declarations of a CGL Contract(4) -CORRECTANSWER 1.Named Insured(including
address)
2.Policy Period
3.Premium
4.Limits of Coverage
7 Common CGL Conditions -CORRECTANSWER 1.Cancellation(30 Days by insurer
option, 10 Days By no payment).
2.Changes
3.Examination of Books
4.Inspections and Surveys
5.Premiums
6.Transfer
7.Nuclear Endorsement
CGL Coverage A -CORRECTANSWER Bodily Injury and Property Damage Insuring
Agreement
The 3 Conditions that define work as "completed" -CORRECTANSWER 1.When all
work called for in the contract is completed.
, 2.When all work to be done at the site has been completed if one contract calls for work
at more than one site.
3.When that part of the work done at a job site has been put to its intended use by any
person or organization other than another contractor or subcontractor.
Occurance -CORRECTANSWER An accident, including continuous or repeated
exposure to substantially the same general harmful conditions.
accident -CORRECTANSWER Sudden, unexpected event
The Difference between "Occurance" and "Claims Made" CGL Coverages -
CORRECTANSWER The Coverage Trigger:
The Occurance Form applies to BI and PD regardless of any later time at which the
claim is made.
The Claims-Made Form applies only to BI and PD that occurs on or after the "Retro-
Active date"
Retro-Active Date -CORRECTANSWER The date on which the coverage legally began.
Basic Extended Reporting Period for CGL -CORRECTANSWER 60 Days after
expiration
