1|Page
CERTIFICATION EXAM: FLORIDA PROPERTY AND
CASUALTY PRE-LICENSING Questions with 100% Verified
Answers 2025 | 2026
An insured may appeal their cancellation by an insurer. If they
wish to appeal they must do so in how many days? - ANSWER
20 DAYS
After cancellation of the policy by the insurer, the insurer must
send written or electronic notice of the termination to all
holders of liens on the subject vehicle which lienholders are
known to the insurer . They have how many days to do this? -
ANSWER 10 DAYS
The claim forms must be given to the insured within how many
days of the insurer receiving notice of the claim? - ANSWER 15
DAYS
A Hurricane Loss Mitigation Program is established by : -
ANSWER Division of Emergency Management
,2|Page
How much money is appropriated for the Florida Hurricane
Catastrophe Fund annually by the Legislature? - ANSWER $10
million
Catastrophic ground cover collapse means geological activity
that results in all of the following except: - ANSWER Damage
consisting of the settling or cracking of a foundation, structure
or building.
When would the contents be covered during a sinkhole
collapse? - ANSWER If there is a loss resulting from a
catastrophic ground cover collapse
When does a hurricane occurrence begin? - ANSWER At the
time a hurricane watch or warning is issued for any part of FL by
the National Hurricane Center
What is the timeframe for the hurricane occurrence to end? -
ANSWER 72 hours following the termination of the last
hurricane watch or warning is issued for any part of FL
,3|Page
Alvin is insured for 10/20/10, PIP - $1,000 deductible, $1,000
MedPay (MP) and 10/20 Uninsured Motorist (UM). Simon has
coverage required by Florida law with no modifications. Simon
is at fault. If their damages are: Alvin - $17,000 medical bills and
$8,000 damage to his auto Simon - $6,000 medical bills and
$4,000 damage to his auto Which is correct for Alvin's
expenses? - ANSWER $10,000 from his PIP, $1,000 from his MP
and $6,000 UM, plus $8,000 from Simon's PD Liability
Corporate officers are employees under the Workers' Comp law
and therefore have benefits available to them. Which of the
following is correct in regard to an officers options? - ANSWER
Corporate officers can exempt themselves from coverage
How does Workers' Comp law define a small farm? - ANSWER
Small farms have 5 or less regular employees
If a dwelling covered under a DP-2 policy is completely
destroyed by fire and the value of the dwelling had depreciated
to only $35,000 at the time of the loss, how much will the policy
pay if the stated Coverage A amount is $50,000? - ANSWER
50,000
, 4|Page
If an insured with PIP coverage with a $1,000 deductible incurs
$9,000 medical and $5,000 work loss expenses, how much
would they collect? - ANSWER 9,400
In the Construction industry sole proprietors and partners are
employees under the Workers' Comp law. Which of the
following is correct in regard to Construction industry sole
proprietors and partners? - ANSWER Both sole proprietors and
partners are automatically provided coverage
Paul, an insured under an Auto policy containing a $1,000 PIP
deductible, is killed in an auto accident. His funeral costs are
$3,000. How much will his PIP coverage pay? - ANSWER $5,000
Personal Lines Agents cannot sell which of the following lines of
business? - ANSWER worker's compensation
Under Workers' Compensation law how are the 'Permanent
Total' disability benefits compensated? - ANSWER Compensated
at 66 2/3% of the employee's average wage up to the Statewide
Average Weekly Wage
CERTIFICATION EXAM: FLORIDA PROPERTY AND
CASUALTY PRE-LICENSING Questions with 100% Verified
Answers 2025 | 2026
An insured may appeal their cancellation by an insurer. If they
wish to appeal they must do so in how many days? - ANSWER
20 DAYS
After cancellation of the policy by the insurer, the insurer must
send written or electronic notice of the termination to all
holders of liens on the subject vehicle which lienholders are
known to the insurer . They have how many days to do this? -
ANSWER 10 DAYS
The claim forms must be given to the insured within how many
days of the insurer receiving notice of the claim? - ANSWER 15
DAYS
A Hurricane Loss Mitigation Program is established by : -
ANSWER Division of Emergency Management
,2|Page
How much money is appropriated for the Florida Hurricane
Catastrophe Fund annually by the Legislature? - ANSWER $10
million
Catastrophic ground cover collapse means geological activity
that results in all of the following except: - ANSWER Damage
consisting of the settling or cracking of a foundation, structure
or building.
When would the contents be covered during a sinkhole
collapse? - ANSWER If there is a loss resulting from a
catastrophic ground cover collapse
When does a hurricane occurrence begin? - ANSWER At the
time a hurricane watch or warning is issued for any part of FL by
the National Hurricane Center
What is the timeframe for the hurricane occurrence to end? -
ANSWER 72 hours following the termination of the last
hurricane watch or warning is issued for any part of FL
,3|Page
Alvin is insured for 10/20/10, PIP - $1,000 deductible, $1,000
MedPay (MP) and 10/20 Uninsured Motorist (UM). Simon has
coverage required by Florida law with no modifications. Simon
is at fault. If their damages are: Alvin - $17,000 medical bills and
$8,000 damage to his auto Simon - $6,000 medical bills and
$4,000 damage to his auto Which is correct for Alvin's
expenses? - ANSWER $10,000 from his PIP, $1,000 from his MP
and $6,000 UM, plus $8,000 from Simon's PD Liability
Corporate officers are employees under the Workers' Comp law
and therefore have benefits available to them. Which of the
following is correct in regard to an officers options? - ANSWER
Corporate officers can exempt themselves from coverage
How does Workers' Comp law define a small farm? - ANSWER
Small farms have 5 or less regular employees
If a dwelling covered under a DP-2 policy is completely
destroyed by fire and the value of the dwelling had depreciated
to only $35,000 at the time of the loss, how much will the policy
pay if the stated Coverage A amount is $50,000? - ANSWER
50,000
, 4|Page
If an insured with PIP coverage with a $1,000 deductible incurs
$9,000 medical and $5,000 work loss expenses, how much
would they collect? - ANSWER 9,400
In the Construction industry sole proprietors and partners are
employees under the Workers' Comp law. Which of the
following is correct in regard to Construction industry sole
proprietors and partners? - ANSWER Both sole proprietors and
partners are automatically provided coverage
Paul, an insured under an Auto policy containing a $1,000 PIP
deductible, is killed in an auto accident. His funeral costs are
$3,000. How much will his PIP coverage pay? - ANSWER $5,000
Personal Lines Agents cannot sell which of the following lines of
business? - ANSWER worker's compensation
Under Workers' Compensation law how are the 'Permanent
Total' disability benefits compensated? - ANSWER Compensated
at 66 2/3% of the employee's average wage up to the Statewide
Average Weekly Wage
