FLORIDA PUBLIC ADJUSTER STATE TEST QUESTIONS AND QUESTIONS WITH CORRECT AND
VERIFIED ANSWERS|LATEST 2025
Florida No-Fault Tort Exemption -CORRECT ANSWER-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) -CORRECT ANSWER-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? -CORRECT ANSWER-National Flood Insurance Program
Form SR-22 -CORRECT ANSWER-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 -CORRECT ANSWER-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) -CORRECT ANSWER-1.Named Insured(including address)
2.Policy Period
3.Premium
4.Limits of Coverage
7 Common CGL Conditions -CORRECT ANSWER-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 -CORRECT ANSWER-Bodily Injury and Property Damage Insuring Agreement
The 3 Conditions that define work as "completed" -CORRECT ANSWER-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 -CORRECT ANSWER-An accident, including continuous or repeated exposure to
substantially the same general harmful conditions.
accident -CORRECT ANSWER-Sudden, unexpected event
VERIFIED ANSWERS|LATEST 2025
Florida No-Fault Tort Exemption -CORRECT ANSWER-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) -CORRECT ANSWER-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? -CORRECT ANSWER-National Flood Insurance Program
Form SR-22 -CORRECT ANSWER-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 -CORRECT ANSWER-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) -CORRECT ANSWER-1.Named Insured(including address)
2.Policy Period
3.Premium
4.Limits of Coverage
7 Common CGL Conditions -CORRECT ANSWER-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 -CORRECT ANSWER-Bodily Injury and Property Damage Insuring Agreement
The 3 Conditions that define work as "completed" -CORRECT ANSWER-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 -CORRECT ANSWER-An accident, including continuous or repeated exposure to
substantially the same general harmful conditions.
accident -CORRECT ANSWER-Sudden, unexpected event
