Florida Public Adjuster (3-20) Test Exam
Questions And Correct Answers (Verified
Answers) Plus Rationales 2026 Q&A.
1. A Florida public adjuster represents:
A. The insurance company
B. The insured
C. The state
D. The court
Answer: B
Public adjusters are licensed to represent policyholders, not insurers.
2. Which statute governs insurance adjusters in Florida?
A. FS 624
B. FS 626
C. FS 628
D. FS 631
Answer: B
Chapter 626 covers insurance field representatives, including adjusters.
3. A public adjuster contract must be:
A. Oral
B. In writing
C. Notarized
D. Filed with the insurer
Answer: B
Florida law requires written contracts for transparency and enforcement.
,4. The maximum fee a public adjuster may charge for a claim declared a state
of emergency is:
A. 20%
B. 15%
C. 10%
D. 5%
Answer: C
Florida caps fees at 10% for emergency-related claims.
5. A public adjuster may solicit a client:
A. Anytime
B. Within 24 hours of loss
C. After 48 hours of loss
D. Only after claim settlement
Answer: C
Florida imposes a 48-hour waiting period after a loss.
6. Which policy section explains coverage?
A. Declarations
B. Insuring agreement
C. Conditions
D. Endorsements
Answer: B
The insuring agreement defines what risks are covered.
7. Replacement Cost coverage pays:
A. Depreciated value
, B. Cost to replace without depreciation
C. Policy limit only
D. Market value
Answer: B
Replacement Cost excludes depreciation.
8. Actual Cash Value equals:
A. Market value
B. Replacement cost minus depreciation
C. Policy limit
D. Salvage value
Answer: B
ACV accounts for depreciation.
9. ALE coverage stands for:
A. Adjuster Loss Estimate
B. Additional Living Expense
C. Annual Loss Evaluation
D. Adjusted Liability Expense
Answer: B
ALE covers increased living costs due to a covered loss.
10. A deductible is:
A. Paid by the insurer
B. Paid by the insured
C. Waived by adjusters
D. Illegal in Florida
Questions And Correct Answers (Verified
Answers) Plus Rationales 2026 Q&A.
1. A Florida public adjuster represents:
A. The insurance company
B. The insured
C. The state
D. The court
Answer: B
Public adjusters are licensed to represent policyholders, not insurers.
2. Which statute governs insurance adjusters in Florida?
A. FS 624
B. FS 626
C. FS 628
D. FS 631
Answer: B
Chapter 626 covers insurance field representatives, including adjusters.
3. A public adjuster contract must be:
A. Oral
B. In writing
C. Notarized
D. Filed with the insurer
Answer: B
Florida law requires written contracts for transparency and enforcement.
,4. The maximum fee a public adjuster may charge for a claim declared a state
of emergency is:
A. 20%
B. 15%
C. 10%
D. 5%
Answer: C
Florida caps fees at 10% for emergency-related claims.
5. A public adjuster may solicit a client:
A. Anytime
B. Within 24 hours of loss
C. After 48 hours of loss
D. Only after claim settlement
Answer: C
Florida imposes a 48-hour waiting period after a loss.
6. Which policy section explains coverage?
A. Declarations
B. Insuring agreement
C. Conditions
D. Endorsements
Answer: B
The insuring agreement defines what risks are covered.
7. Replacement Cost coverage pays:
A. Depreciated value
, B. Cost to replace without depreciation
C. Policy limit only
D. Market value
Answer: B
Replacement Cost excludes depreciation.
8. Actual Cash Value equals:
A. Market value
B. Replacement cost minus depreciation
C. Policy limit
D. Salvage value
Answer: B
ACV accounts for depreciation.
9. ALE coverage stands for:
A. Adjuster Loss Estimate
B. Additional Living Expense
C. Annual Loss Evaluation
D. Adjusted Liability Expense
Answer: B
ALE covers increased living costs due to a covered loss.
10. A deductible is:
A. Paid by the insurer
B. Paid by the insured
C. Waived by adjusters
D. Illegal in Florida
