Progressive Florida Claims Adjuster
Exam Questons and answers Latest
2026 RATED A+
Claim - CORRECT ANSWERS 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? - CORRECT ANSWERS Peace
of mind
Why is insurance such a unique product? - CORRECT ANSWERS 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? - CORRECT ANSWERS 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 - CORRECT ANSWERS
Trust
What would Joe do as an adjuster? - CORRECT ANSWERS 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? -
CORRECT ANSWERS 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? -
CORRECT ANSWERS A company/staff adjuster
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? -
CORRECT ANSWERS 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 - CORRECT ANSWERS 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? - CORRECT
ANSWERS 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? - CORRECT ANSWERS 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 - CORRECT ANSWERS 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? - CORRECT ANSWERS 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? - CORRECT ANSWERS
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? - CORRECT ANSWERS
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? - CORRECT ANSWERS
Agency: the power to bind
Which of the following is NOT one of the basic adjusting functions? - CORRECT ANSWERS
Inspection
Which of the following best describes the functions of claims evaluation? - CORRECT ANSWERS
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? - CORRECT ANSWERS No release
"walk away"
True or false; an adjuster's claim file is considered "work product" and therefore confidential -
CORRECT ANSWERS False
The main components of the investigative process are: - CORRECT ANSWERS Inquiry
verification and comparison
, The adjusters code of ethics starts with a basic premise, which states: - CORRECT ANSWERS
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? - CORRECT ANSWERS 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? - CORRECT ANSWERS 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 - CORRECT ANSWERS
Written evidence of the agreement and its terms.
An insurance policy is often referred to as a contract of adhesion. This means: - CORRECT
ANSWERS 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: - CORRECT
ANSWERS 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: - CORRECT ANSWERS
endorsement
Which of the following is one of the duties of an insured following a loss? - CORRECT ANSWERS
giving prompt notice of loss to the insurer
What is the difference between a peril and a hazard? - CORRECT ANSWERS 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: - CORRECT ANSWERS 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: - CORRECT ANSWERS
a percentage deductible (hurricane deductible)
Exam Questons and answers Latest
2026 RATED A+
Claim - CORRECT ANSWERS 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? - CORRECT ANSWERS Peace
of mind
Why is insurance such a unique product? - CORRECT ANSWERS 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? - CORRECT ANSWERS 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 - CORRECT ANSWERS
Trust
What would Joe do as an adjuster? - CORRECT ANSWERS 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? -
CORRECT ANSWERS 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? -
CORRECT ANSWERS A company/staff adjuster
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? -
CORRECT ANSWERS 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 - CORRECT ANSWERS 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? - CORRECT
ANSWERS 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? - CORRECT ANSWERS 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 - CORRECT ANSWERS 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? - CORRECT ANSWERS 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? - CORRECT ANSWERS
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? - CORRECT ANSWERS
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? - CORRECT ANSWERS
Agency: the power to bind
Which of the following is NOT one of the basic adjusting functions? - CORRECT ANSWERS
Inspection
Which of the following best describes the functions of claims evaluation? - CORRECT ANSWERS
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? - CORRECT ANSWERS No release
"walk away"
True or false; an adjuster's claim file is considered "work product" and therefore confidential -
CORRECT ANSWERS False
The main components of the investigative process are: - CORRECT ANSWERS Inquiry
verification and comparison
, The adjusters code of ethics starts with a basic premise, which states: - CORRECT ANSWERS
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? - CORRECT ANSWERS 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? - CORRECT ANSWERS 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 - CORRECT ANSWERS
Written evidence of the agreement and its terms.
An insurance policy is often referred to as a contract of adhesion. This means: - CORRECT
ANSWERS 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: - CORRECT
ANSWERS 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: - CORRECT ANSWERS
endorsement
Which of the following is one of the duties of an insured following a loss? - CORRECT ANSWERS
giving prompt notice of loss to the insurer
What is the difference between a peril and a hazard? - CORRECT ANSWERS 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: - CORRECT ANSWERS 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: - CORRECT ANSWERS
a percentage deductible (hurricane deductible)
