1|Page
2025 FLORIDA CLAIMS ADJUSTER EXAM LATEST
TEST BANK WITH 450 QUESTIONS AND CORRECT
VERIFIED ANSWERS/ FL CLAIMS ADJUSTERS TEST
2025/ FL GENERAL ADJUSTER
What requirements must Wholesalers and Distributors
meet in order to be eligible for a BOP? - ...ANSWER...✓✓
25% or less of floor space is available to the general
public, and less than 25% of gross income may come from
retail sales.
The first step in the claim process is to - ...ANSWER...✓✓
Determining time and cost of repairs
In Florida, an insurer has ___ days to pay or deny a claim.
- ...ANSWER...✓✓ 90
Jerome was shopping at ABC Imports when a light fixture
fell from the ceiling and hit him on the head. Jerome's
injuries resulted in an extended hospital stay, so he sued
ABC Imports and was awarded $400,000. Assuming ABC
Imports carries a CGL with a General Aggregate of
$750,000 and a per occurrence limit of $250,000, what is
the maximum that ABC's insurer will pay for Jerome's
injuries? - ...ANSWER...✓✓ $250,000
,2|Page
Which of the following best describes inland marine
insurance? - ...ANSWER...✓✓ Insurance designed to
protect property being transported on land and property
related to transportation
A plane was damaged while being towed by another
vehicle. By policy definition, this damage is considered to
have occurred while the aircraft was: - ...ANSWER...✓✓
not in motion
Citizens Insurance - ...ANSWER...✓✓ is available to
certain people who are not residents of Florida.
This provision in Ocean Marine insurance obligates
insurers of various interests to share the cost of losses
associated with a captain's decision to voluntarily
sacrifice a part of the ship or its cargo. - ...ANSWER...✓✓
General Average
Walter works for a shipping company, delivering
packages and picking up orders. He lives very close to
work and the grocery store is only a few blocks away, so
he can live conveniently without owning a car. However,
,3|Page
he would like to have some Personal Injury Protection,
just in case he ever gets injured in an accident. Which
BAP endorsement could his employer use to give him this
coverage? - ...ANSWER...✓✓ Named Individuals
Broadened PIP
Which of the following is NOT a rating factor for a
personal auto liability policy? - ...ANSWER...✓✓ The
condition of the vehicle
Phil heads over to visit his friend Josh, who is sick with
the flu. While at the house, Josh fails to cover his mouth
when he coughs and Phil ends up contacting the flu. Phil
files a claim with Josh's insurer for medical expenses and
lost income while Phil is out sick from work. The insurer
denies the claim because - ...ANSWER...✓✓ disease
transmitted from the insured to a third party is excluded.
Jerrod owns two planes and has liability insurance with
the following limits:
Bodily Injury Excluding Passengers: $250,000/person;
$500,000/occurrence
Passenger Bodily Injury: $250,000/person;
$750,000/occurrence
, 4|Page
Property Damage: $500,000/occurrence.
When Jerrod crashes into a car while landing his plane,
he injures the two people in the car and completely
wrecks the car. The first person in the car suffers
$200,000 in injuries, and the second person suffers
$300,000 in injuries. Replacing the car costs $45,000.
Without taking deductibles into account, how much will
Jerrod have to pay out of his own pocket? -
...ANSWER...✓✓ 50,000
Which of the following endorsements is mandatory for all
Florida residential property policies? - ...ANSWER...✓✓
Catastrophic ground collapse
Maria was in the hospital for five days, recovering from a
stroke. The bill she received for her hospital stay broke
down the charges for room, lab fees, meals, and nursing
care. However, her insurer paid a flat daily rate and she
was left responsible for paying the remaining charges.
What type of insurance does Maria have? -
...ANSWER...✓✓ Hospital Indemnity insurance
ABC Roofing has two CGL policies that cover the same
losses. Both policies are occurrence forms, thus pay out
on a pro rata basis. The first policy is through KLM
2025 FLORIDA CLAIMS ADJUSTER EXAM LATEST
TEST BANK WITH 450 QUESTIONS AND CORRECT
VERIFIED ANSWERS/ FL CLAIMS ADJUSTERS TEST
2025/ FL GENERAL ADJUSTER
What requirements must Wholesalers and Distributors
meet in order to be eligible for a BOP? - ...ANSWER...✓✓
25% or less of floor space is available to the general
public, and less than 25% of gross income may come from
retail sales.
The first step in the claim process is to - ...ANSWER...✓✓
Determining time and cost of repairs
In Florida, an insurer has ___ days to pay or deny a claim.
- ...ANSWER...✓✓ 90
Jerome was shopping at ABC Imports when a light fixture
fell from the ceiling and hit him on the head. Jerome's
injuries resulted in an extended hospital stay, so he sued
ABC Imports and was awarded $400,000. Assuming ABC
Imports carries a CGL with a General Aggregate of
$750,000 and a per occurrence limit of $250,000, what is
the maximum that ABC's insurer will pay for Jerome's
injuries? - ...ANSWER...✓✓ $250,000
,2|Page
Which of the following best describes inland marine
insurance? - ...ANSWER...✓✓ Insurance designed to
protect property being transported on land and property
related to transportation
A plane was damaged while being towed by another
vehicle. By policy definition, this damage is considered to
have occurred while the aircraft was: - ...ANSWER...✓✓
not in motion
Citizens Insurance - ...ANSWER...✓✓ is available to
certain people who are not residents of Florida.
This provision in Ocean Marine insurance obligates
insurers of various interests to share the cost of losses
associated with a captain's decision to voluntarily
sacrifice a part of the ship or its cargo. - ...ANSWER...✓✓
General Average
Walter works for a shipping company, delivering
packages and picking up orders. He lives very close to
work and the grocery store is only a few blocks away, so
he can live conveniently without owning a car. However,
,3|Page
he would like to have some Personal Injury Protection,
just in case he ever gets injured in an accident. Which
BAP endorsement could his employer use to give him this
coverage? - ...ANSWER...✓✓ Named Individuals
Broadened PIP
Which of the following is NOT a rating factor for a
personal auto liability policy? - ...ANSWER...✓✓ The
condition of the vehicle
Phil heads over to visit his friend Josh, who is sick with
the flu. While at the house, Josh fails to cover his mouth
when he coughs and Phil ends up contacting the flu. Phil
files a claim with Josh's insurer for medical expenses and
lost income while Phil is out sick from work. The insurer
denies the claim because - ...ANSWER...✓✓ disease
transmitted from the insured to a third party is excluded.
Jerrod owns two planes and has liability insurance with
the following limits:
Bodily Injury Excluding Passengers: $250,000/person;
$500,000/occurrence
Passenger Bodily Injury: $250,000/person;
$750,000/occurrence
, 4|Page
Property Damage: $500,000/occurrence.
When Jerrod crashes into a car while landing his plane,
he injures the two people in the car and completely
wrecks the car. The first person in the car suffers
$200,000 in injuries, and the second person suffers
$300,000 in injuries. Replacing the car costs $45,000.
Without taking deductibles into account, how much will
Jerrod have to pay out of his own pocket? -
...ANSWER...✓✓ 50,000
Which of the following endorsements is mandatory for all
Florida residential property policies? - ...ANSWER...✓✓
Catastrophic ground collapse
Maria was in the hospital for five days, recovering from a
stroke. The bill she received for her hospital stay broke
down the charges for room, lab fees, meals, and nursing
care. However, her insurer paid a flat daily rate and she
was left responsible for paying the remaining charges.
What type of insurance does Maria have? -
...ANSWER...✓✓ Hospital Indemnity insurance
ABC Roofing has two CGL policies that cover the same
losses. Both policies are occurrence forms, thus pay out
on a pro rata basis. The first policy is through KLM
