2025-2026 • PROGRESSIVE FLORIDA
CLAIMS ADJUSTER
EXAM BANK
QUESTIONS WITH
VERIFIED SOLUTIONS
GRADED A+ 2025-2026
STUDY CENTRAL
SMART STUDY
,FLORIDA CLAIMS ADJUSTER EXAM
PROGRESSIVE FLORIDA CLAIMS ADJUSTER
EXAM BANK QUESTIONS WITH VERIFIED
SOLUTIONS GRADED A+ 2025-2026
1
,FLORIDA CLAIMS ADJUSTER EXAM
Claim ANSWER An assertion of an alleged legal right against a person, entity,
company or insurer that carries with it a demand for money as compensation for injuries
or damage
What are you really buying when you purchase insurance? ANSWER Peace of mind
Why is insurance such a unique product? ANSWER It is a financial product. The
purchase of a promise base totally on trust that is absolutely essential in today's world.
First foremost and always what is an adjuster's most important objective in today's world
of insurance? ANSWER To help those who have been injured, or who have suffered a
loss that is covered by the insurance contract or for which an insured policy holder is
responsible while at the same time minimizing loss for the insured party and or carrier
In today's society, the most important factor in the purchase of insurance is ANSWER
Trust
What would Joe do as an adjuster? ANSWER INVESTIGATE, EVALUATE, AND
SETTLE INSURANCE CLAIMS ON BEHALF OF AN INSURER OR INSURED.
Joe saw an ad in the paper..... difference between an adjuster who works in the
healthcare industry versus an adjuster in the property/casualty, insurance industry.
What would you say? ANSWER Healthcare adjusters are processors, who reimburse
medical bills if they fall within a list of approved conditions or treatment. A
property/casualty adjuster evaluates a legal responsibilities, determines what or how
much is owed and pays or settles claims.
If Joe, where to go to work for an insurance company, what kind of adjuster with Joe
be? ANSWER A company/staff adjuster
2
, FLORIDA CLAIMS ADJUSTER EXAM
Joe is really intrigued by his neighbors work and ask him who he works for. His
neighbor told him that he owns his own adjusting company and adjust claims are
several different companies. In other words he takes claim assignments from whoever
calls. What kind of adjuster is he? ANSWER An independent adjuster
Joe's neighbor tells him that field adjusting is "the best job in the insurance industry".
Joe doesn't envision himself sitting behind a desk, so he is intrigued by this as well and
white lines of business business with Joe need to experience to have the greatest
chance of getting a good field adjusting job ANSWER Multi-line adjusting
Joe sister is a nurse who works in a nearby hospital. As he talks to her about his
interest, she asked him what type of adjusting she would be most qualified for if she
were interested, which kind of adjusting would present her with the greatest
opportunity? What would you tell her? ANSWER Worker's compensation
Joe's neighbor told him that he really prefers working with litigated claims dealing with
the lawyers, getting it in negotiations and going to depositions and trials. What kind of
claims does Joe's neighbor prefer? ANSWER Liability adjusting
If Joe, we're just strictly handle, hurricane tornado hellfire, and other claims of this
nature, what line of business would Joe be adjusting ANSWER Property
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? ANSWER 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?
ANSWER 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,
3
CLAIMS ADJUSTER
EXAM BANK
QUESTIONS WITH
VERIFIED SOLUTIONS
GRADED A+ 2025-2026
STUDY CENTRAL
SMART STUDY
,FLORIDA CLAIMS ADJUSTER EXAM
PROGRESSIVE FLORIDA CLAIMS ADJUSTER
EXAM BANK QUESTIONS WITH VERIFIED
SOLUTIONS GRADED A+ 2025-2026
1
,FLORIDA CLAIMS ADJUSTER EXAM
Claim ANSWER An assertion of an alleged legal right against a person, entity,
company or insurer that carries with it a demand for money as compensation for injuries
or damage
What are you really buying when you purchase insurance? ANSWER Peace of mind
Why is insurance such a unique product? ANSWER It is a financial product. The
purchase of a promise base totally on trust that is absolutely essential in today's world.
First foremost and always what is an adjuster's most important objective in today's world
of insurance? ANSWER To help those who have been injured, or who have suffered a
loss that is covered by the insurance contract or for which an insured policy holder is
responsible while at the same time minimizing loss for the insured party and or carrier
In today's society, the most important factor in the purchase of insurance is ANSWER
Trust
What would Joe do as an adjuster? ANSWER INVESTIGATE, EVALUATE, AND
SETTLE INSURANCE CLAIMS ON BEHALF OF AN INSURER OR INSURED.
Joe saw an ad in the paper..... difference between an adjuster who works in the
healthcare industry versus an adjuster in the property/casualty, insurance industry.
What would you say? ANSWER Healthcare adjusters are processors, who reimburse
medical bills if they fall within a list of approved conditions or treatment. A
property/casualty adjuster evaluates a legal responsibilities, determines what or how
much is owed and pays or settles claims.
If Joe, where to go to work for an insurance company, what kind of adjuster with Joe
be? ANSWER A company/staff adjuster
2
, FLORIDA CLAIMS ADJUSTER EXAM
Joe is really intrigued by his neighbors work and ask him who he works for. His
neighbor told him that he owns his own adjusting company and adjust claims are
several different companies. In other words he takes claim assignments from whoever
calls. What kind of adjuster is he? ANSWER An independent adjuster
Joe's neighbor tells him that field adjusting is "the best job in the insurance industry".
Joe doesn't envision himself sitting behind a desk, so he is intrigued by this as well and
white lines of business business with Joe need to experience to have the greatest
chance of getting a good field adjusting job ANSWER Multi-line adjusting
Joe sister is a nurse who works in a nearby hospital. As he talks to her about his
interest, she asked him what type of adjusting she would be most qualified for if she
were interested, which kind of adjusting would present her with the greatest
opportunity? What would you tell her? ANSWER Worker's compensation
Joe's neighbor told him that he really prefers working with litigated claims dealing with
the lawyers, getting it in negotiations and going to depositions and trials. What kind of
claims does Joe's neighbor prefer? ANSWER Liability adjusting
If Joe, we're just strictly handle, hurricane tornado hellfire, and other claims of this
nature, what line of business would Joe be adjusting ANSWER Property
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? ANSWER 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?
ANSWER 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,
3
