Florida Claims Adjuster Exam Study Guide 2025: Practice Questions & Answers

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Florida Claims Adjuster Exam; 6-20 All Lines Adjuster -

Florida Test Review (Latest 2025) Check & Graded A

Frank owned a home that was destroyed by a hurricane. Both

ABC and XYZ Banks were listed as additional interests on his

homeowner policy. The insurance company will make a payment

to:

A. The first mortgagee, ABC

B. The Insured

C. Jointly to ABC and XYZ

D. All listed interests

.....ANSWER.....D. All listed interests

Remember that the insurer is not responsible to know the degrees

of interest. In the event of a loss, one payment is made by the

insurer and it is up to the additional interests on working out their

share.

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Insurance applies separately to each insured as if other insureds

did not exist. This is defined as:

A. Severability

B. Conditional

C. Warranty

D. None of the above

.....ANSWER.....A. Severability

Property insurance policies usually contain a(n) __________

clause, stating the insured cannot dump damaged property on

the insurer and demand its full value:

A. Pro Rata

B. Abandonment

C. Liberalization

D. All of the above

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.....ANSWER.....B. Abandonment

A(n) __________ is one wherein economic loss would be suffered

from an adverse happening to the subject:

A. Conditional Contract

B. Personal Contract

C. Economic Contract

D. Insurable Interest

.....ANSWER.....D. Insurable Interest

States that if the insurer adopts a revision which would broaden

coverage without additional premium within some period of time

prior to the policy period or during the policy period, the insured

receives the benefit of such broadened coverage.

A. Cancellation Clause

B. Policy Period

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C. Pro Rata

D. Liberalization .....ANSWER.....D. Liberalization

The time frame is typically 60 days.

The __________ states that when there is an unbroken connection

between an occurrence and damage that grows out of the

occurrence, then the resultant damage is all a part of the

occurrence.

A. Doctrine of Proximate Cause

B. Doctrine of Perils & Hazards

C. Insurance Policy Handbook

D. Doctrine of Property Insurance .....ANSWER.....A. Doctrine of

Proximate Cause

For example, if a property insurance policy covers the peril of

fire but further damage is caused by smoke, water used to