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FLORIDA 3-20 PUBLIC ADJUSTER
EXAM OUTLINES 2026 | QUESTIONS
AND VERIFIED ANSWERS | ALREADY
A GRADED | NEW AND REVISED
There are several important statutory requirements pertaining to
contracts made by public adjusters: - ANSWER- Must state the type of
claim, including an emergency claim, non-emergency claim or
supplemental claim.
Requires the signatures of all named insureds.
If the signatures of all named insureds are not available, the public
adjuster must submit an affidavit signed by the available named insureds
attesting that they have authority to enter into the contract and settle all
claim issues on behalf of the named insureds.
An unaltered copy of the contract must be remitted to the insurer within
30 days after execution. This means the contract provided to the insurer
must also contain the agreed upon fee percentage.
True or False: Both mediation and sinkhole neutral evaluation are non-
binding. Neither the insured nor the insurance company is legally
obligated to accept the outcome of the mediation conference. -
ANSWER- True
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The ______________ is intended for use by parties who are beginning
the process of filing suit against an insurer, when a party feels they have
been damaged by specific acts of the insurer. The Notice is intended to
meet a portion of legal requirements set forth in Section 624.155, Florida
Statutes, which requires a party to file Notice with both the insurer and
the Department of Financial Services (DFS) at least 60 days prior to
bringing an action against the insurer. The DFS does not involve itself in
the pre-suit negotiations or communications related to Notices as such
actions are not within the scope of its statutory authority. - ANSWER-
Civil Remedies Notice
Mediation Statute 627.7015 - ANSWER- The department shall adopt by
rule a property insurance mediation program to be administered by the
department or its designee. The department may also adopt special rules
which are applicable in cases of an emergency within the state. The rules
shall be modeled after practices and procedures set forth in mediation
rules of procedure adopted by the Supreme Court. The rules shall
provide for:(a) Reasonable requirement for processing and scheduling of
requests for mediation.(b) Qualifications, denial of application,
suspension, revocation of approval, and other penalties for mediators as
provided in s. 627.745 and the Florida Rules for Certified and Court-
Appointed Mediators.(c) Provisions governing who may attend
mediation conferences.(d) Selection of mediators.(e) Criteria for the
conduct of mediation conferences.(f) Right to legal counsel.
(5) All statements made and documents produced at a mediation
conference shall be deemed to be settlement negotiations in anticipation
of litigation within the scope of s. 90.408. All parties to the mediation
must negotiate in good faith and must have the authority to immediately
settle the claim. Mediators are deemed to be agents of the department
and shall have the immunity from suit provided in s. 44.107.
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(6)(a) Mediation is nonbinding; however, if a written settlement is
reached, the policyholder has 3 business days within which the
policyholder may rescind the settlement unless the policyholder has
cashed or deposited any check or draft disbursed to the policyholder for
the disputed matters as a result of the conference. If a settlement
agreement is reached and is not rescinded, it is binding and acts as a
release of all specific claims that were presented in that mediation
conference.
(b) At the conclusion of the mediation, the mediator shall provide a
written report of the re
Code of ethics (FAC 69B-220.201) - ANSWER- The work of adjusting
insurance claims engages the public trust. An adjuster shall put the duty
for fair and honest treatment of the claimant above the adjuster's own
interests in every instance. ... (b) An adjuster shall treat all claimants
equally.
Florida Insurance Guaranty Association - ANSWER- establishes and
maintains a service-oriented operation for processing covered claims of
insolvent members. FIGA is a nonprofit corporation created by the
Florida Legislature in 1970. FIGA services pending claims by or against
Florida policyholders of member insurance companies which become
insolvent and are ordered liquidated.
The Residential Property and Casualty Joint Underwriting Association
originally created by this statute shall be known as the Citizens Property
Insurance Corporation - ANSWER- The corporation shall provide
insurance for residential and commercial property, for applicants who
FLORIDA 3-20 PUBLIC ADJUSTER
EXAM OUTLINES 2026 | QUESTIONS
AND VERIFIED ANSWERS | ALREADY
A GRADED | NEW AND REVISED
There are several important statutory requirements pertaining to
contracts made by public adjusters: - ANSWER- Must state the type of
claim, including an emergency claim, non-emergency claim or
supplemental claim.
Requires the signatures of all named insureds.
If the signatures of all named insureds are not available, the public
adjuster must submit an affidavit signed by the available named insureds
attesting that they have authority to enter into the contract and settle all
claim issues on behalf of the named insureds.
An unaltered copy of the contract must be remitted to the insurer within
30 days after execution. This means the contract provided to the insurer
must also contain the agreed upon fee percentage.
True or False: Both mediation and sinkhole neutral evaluation are non-
binding. Neither the insured nor the insurance company is legally
obligated to accept the outcome of the mediation conference. -
ANSWER- True
,2|Page
The ______________ is intended for use by parties who are beginning
the process of filing suit against an insurer, when a party feels they have
been damaged by specific acts of the insurer. The Notice is intended to
meet a portion of legal requirements set forth in Section 624.155, Florida
Statutes, which requires a party to file Notice with both the insurer and
the Department of Financial Services (DFS) at least 60 days prior to
bringing an action against the insurer. The DFS does not involve itself in
the pre-suit negotiations or communications related to Notices as such
actions are not within the scope of its statutory authority. - ANSWER-
Civil Remedies Notice
Mediation Statute 627.7015 - ANSWER- The department shall adopt by
rule a property insurance mediation program to be administered by the
department or its designee. The department may also adopt special rules
which are applicable in cases of an emergency within the state. The rules
shall be modeled after practices and procedures set forth in mediation
rules of procedure adopted by the Supreme Court. The rules shall
provide for:(a) Reasonable requirement for processing and scheduling of
requests for mediation.(b) Qualifications, denial of application,
suspension, revocation of approval, and other penalties for mediators as
provided in s. 627.745 and the Florida Rules for Certified and Court-
Appointed Mediators.(c) Provisions governing who may attend
mediation conferences.(d) Selection of mediators.(e) Criteria for the
conduct of mediation conferences.(f) Right to legal counsel.
(5) All statements made and documents produced at a mediation
conference shall be deemed to be settlement negotiations in anticipation
of litigation within the scope of s. 90.408. All parties to the mediation
must negotiate in good faith and must have the authority to immediately
settle the claim. Mediators are deemed to be agents of the department
and shall have the immunity from suit provided in s. 44.107.
, 3|Page
(6)(a) Mediation is nonbinding; however, if a written settlement is
reached, the policyholder has 3 business days within which the
policyholder may rescind the settlement unless the policyholder has
cashed or deposited any check or draft disbursed to the policyholder for
the disputed matters as a result of the conference. If a settlement
agreement is reached and is not rescinded, it is binding and acts as a
release of all specific claims that were presented in that mediation
conference.
(b) At the conclusion of the mediation, the mediator shall provide a
written report of the re
Code of ethics (FAC 69B-220.201) - ANSWER- The work of adjusting
insurance claims engages the public trust. An adjuster shall put the duty
for fair and honest treatment of the claimant above the adjuster's own
interests in every instance. ... (b) An adjuster shall treat all claimants
equally.
Florida Insurance Guaranty Association - ANSWER- establishes and
maintains a service-oriented operation for processing covered claims of
insolvent members. FIGA is a nonprofit corporation created by the
Florida Legislature in 1970. FIGA services pending claims by or against
Florida policyholders of member insurance companies which become
insolvent and are ordered liquidated.
The Residential Property and Casualty Joint Underwriting Association
originally created by this statute shall be known as the Citizens Property
Insurance Corporation - ANSWER- The corporation shall provide
insurance for residential and commercial property, for applicants who
