Progressive Florida Claims Adjuster
Exam Questions and Answers Latest
Versions 2025 A+.
While driving home from an interview, Joe was rear ended.
He's not injured so he makes a claim against the other
drivers insurance policy for damages to his vehicle. The
person taking the claim advises Joe that he will be contacted
within 24 hours by an adjuster. From what type of adjuster
will Joe likely hear?
An auto physical damage adjuster
The claims manager told Joe a story of one of the best
adjusters he had ever known, and how he had been forced to
fire the man because he just would not document to clean
files with ongoing status. What kind of responsibility did the
adjuster fail to fulfill?
Communicating and reporting
The claims manager then told Joe a story about one adjuster
who made a deal with a body shop to pay the adjuster $100
for every damaged automobile that he referred, referred for
repair. The adjuster is ultimately fired. What responsibility
did that adjuster fail to fulfill?
Fiduciary responsibility
The claims manager also told about a young adjuster who
lost his temper and cursed out an insured policyholder. He
was arguing about a claim the adjuster has denied. The
insured policyholder sued the company and collected
$50,000 for slander in the embarrassment caused the insured
what responsibility did that adjuster fail to fulfill?
,Agency: the power to bind
Which of the following is NOT one of the basic adjusting
functions?
Inspection
Which of the following best describes the functions of claims
evaluation?
Establishing a dollar value for a claim
In which of the following settlement types, would you pay
what is owed and invite the claimant to contact you with any
further expenses or questions?
No release "walk away"
True or false; an adjuster's claim file is considered "work
product" and therefore confidential
False
The main components of the investigative process are:
Inquiry verification and comparison
The adjusters code of ethics starts with a basic premise,
which states:
The work of adjusting engages the public trust
Which of the following would not be a preferred claims
practice or behavior under Florida's unfair insurance, trade
practices act?
Not responding to an insured's calls because you haven't made
up your mind yet
Upon conclusion of a claims, investigation and adjuster
determines if there was no coverage in effect for the loss and
denies the claim. The adjuster later received notification that
he in the carrier being sued due to a violation of Florida's
unfair insurance trade practices act. Which of the following
actions in the adjusters claim handling process would be
considered a violation of the act?
The adjuster inform the policyholders attorney of the denial over
the phone, closed the file and moved onto his next case
,Which of the following is not one of the four critical elements
of a contract
Written evidence of the agreement and its terms.
An insurance policy is often referred to as a contract of
adhesion. This means:
If any of the wording or language in the policy is vague or
ambiguous, if the meaning of the wording is difficult to understand
or interpret, or if what is written can be interpreted to have
different meanings, the law is well settled that the interpretation
shall be in favor of the party who did not control its terms...in this
case, the policyholder.
Breach of contract to buy a carrier or it's adjusters, through
non-payment, or noncompliance with policy requirements,
could have which of the following consequences for a
carrier:
If found guilty of a breach of contract, the carrier could be
punished with a bad faith verdict that would cost it millions of
dollars
Which of the following is not a fundamental part of an
insurance policy:
endorsement
Which of the following is one of the duties of an insured
following a loss?
giving prompt notice of loss to the insurer
What is the difference between a peril and a hazard?
Apparel is a cause of loss like fire. A hazard is a condition that
exist beforehand that increases the likelihood of such a loss like a
messy store room or garage that contains lots of toxic chemicals,
oily rags etc
The doctrine of proximate cause is defined as:
if there is an unbroken chain of events, or series of
consequences, flowing from the initial loss caused by the insured
, peril to a subsequent loss, the insured peril causing the initial loss
will be considered the "proximate cause" of the subsequent loss
A couple had Coverage A limits of $250K on their home
located in FL. A tornado spawned by Hurricane Ernesto
damaged their roof resulting in estimated repair costs of
$11,500. The adjuster deducted the FL hurricane deductible
of $5,000 from the estimate and paid them $6,500 in
settlement of their property claim. This is known as the
application of:
a percentage deductible (hurricane deductible)
A restaurant was damaged after a grease fire irrupt it in the
kitchen. Damage to the structure total $78,300 in law/damage
to personal property totaled $14,000. The owners commercial
property policy provide coverage a limit of $250,000 and
coverage see limits of $100,000 with a deductible of $1000.
How much will the policyholder be paid?
91,300
A couple hasn't shared their home for $150,000. A fire and
Susan guts their home resulting in a total loss. An appraisal
of the home prior to los results in a value of $120,000 if the
adjuster is required by law to pay the couple $150,000. This
is known as the application of:
The valued policy law
Assume that five years ago a couple ensure their home for it
so that appraise value of $60,000. Two weeks ago a pipe
burst in the home resulting in an estimated loss of $15,000 in
water damage. The adjuster find the value of their home is
now $100,000 for the home is still only insured for $60,000
and there's a deductible of $500. A policy has an 80%
coinsurance clause how much the adjuster pay the couple?
$10,875
Describe the coverage s provided in a split limit policy of
10/20/10
Exam Questions and Answers Latest
Versions 2025 A+.
While driving home from an interview, Joe was rear ended.
He's not injured so he makes a claim against the other
drivers insurance policy for damages to his vehicle. The
person taking the claim advises Joe that he will be contacted
within 24 hours by an adjuster. From what type of adjuster
will Joe likely hear?
An auto physical damage adjuster
The claims manager told Joe a story of one of the best
adjusters he had ever known, and how he had been forced to
fire the man because he just would not document to clean
files with ongoing status. What kind of responsibility did the
adjuster fail to fulfill?
Communicating and reporting
The claims manager then told Joe a story about one adjuster
who made a deal with a body shop to pay the adjuster $100
for every damaged automobile that he referred, referred for
repair. The adjuster is ultimately fired. What responsibility
did that adjuster fail to fulfill?
Fiduciary responsibility
The claims manager also told about a young adjuster who
lost his temper and cursed out an insured policyholder. He
was arguing about a claim the adjuster has denied. The
insured policyholder sued the company and collected
$50,000 for slander in the embarrassment caused the insured
what responsibility did that adjuster fail to fulfill?
,Agency: the power to bind
Which of the following is NOT one of the basic adjusting
functions?
Inspection
Which of the following best describes the functions of claims
evaluation?
Establishing a dollar value for a claim
In which of the following settlement types, would you pay
what is owed and invite the claimant to contact you with any
further expenses or questions?
No release "walk away"
True or false; an adjuster's claim file is considered "work
product" and therefore confidential
False
The main components of the investigative process are:
Inquiry verification and comparison
The adjusters code of ethics starts with a basic premise,
which states:
The work of adjusting engages the public trust
Which of the following would not be a preferred claims
practice or behavior under Florida's unfair insurance, trade
practices act?
Not responding to an insured's calls because you haven't made
up your mind yet
Upon conclusion of a claims, investigation and adjuster
determines if there was no coverage in effect for the loss and
denies the claim. The adjuster later received notification that
he in the carrier being sued due to a violation of Florida's
unfair insurance trade practices act. Which of the following
actions in the adjusters claim handling process would be
considered a violation of the act?
The adjuster inform the policyholders attorney of the denial over
the phone, closed the file and moved onto his next case
,Which of the following is not one of the four critical elements
of a contract
Written evidence of the agreement and its terms.
An insurance policy is often referred to as a contract of
adhesion. This means:
If any of the wording or language in the policy is vague or
ambiguous, if the meaning of the wording is difficult to understand
or interpret, or if what is written can be interpreted to have
different meanings, the law is well settled that the interpretation
shall be in favor of the party who did not control its terms...in this
case, the policyholder.
Breach of contract to buy a carrier or it's adjusters, through
non-payment, or noncompliance with policy requirements,
could have which of the following consequences for a
carrier:
If found guilty of a breach of contract, the carrier could be
punished with a bad faith verdict that would cost it millions of
dollars
Which of the following is not a fundamental part of an
insurance policy:
endorsement
Which of the following is one of the duties of an insured
following a loss?
giving prompt notice of loss to the insurer
What is the difference between a peril and a hazard?
Apparel is a cause of loss like fire. A hazard is a condition that
exist beforehand that increases the likelihood of such a loss like a
messy store room or garage that contains lots of toxic chemicals,
oily rags etc
The doctrine of proximate cause is defined as:
if there is an unbroken chain of events, or series of
consequences, flowing from the initial loss caused by the insured
, peril to a subsequent loss, the insured peril causing the initial loss
will be considered the "proximate cause" of the subsequent loss
A couple had Coverage A limits of $250K on their home
located in FL. A tornado spawned by Hurricane Ernesto
damaged their roof resulting in estimated repair costs of
$11,500. The adjuster deducted the FL hurricane deductible
of $5,000 from the estimate and paid them $6,500 in
settlement of their property claim. This is known as the
application of:
a percentage deductible (hurricane deductible)
A restaurant was damaged after a grease fire irrupt it in the
kitchen. Damage to the structure total $78,300 in law/damage
to personal property totaled $14,000. The owners commercial
property policy provide coverage a limit of $250,000 and
coverage see limits of $100,000 with a deductible of $1000.
How much will the policyholder be paid?
91,300
A couple hasn't shared their home for $150,000. A fire and
Susan guts their home resulting in a total loss. An appraisal
of the home prior to los results in a value of $120,000 if the
adjuster is required by law to pay the couple $150,000. This
is known as the application of:
The valued policy law
Assume that five years ago a couple ensure their home for it
so that appraise value of $60,000. Two weeks ago a pipe
burst in the home resulting in an estimated loss of $15,000 in
water damage. The adjuster find the value of their home is
now $100,000 for the home is still only insured for $60,000
and there's a deductible of $500. A policy has an 80%
coinsurance clause how much the adjuster pay the couple?
$10,875
Describe the coverage s provided in a split limit policy of
10/20/10
