Florida Claims Adjuster Mock Exam
*Q&A* (100% Correct) 2025/2026
|VERIFIED|
Which of the following clauses prevents an insured from dumping damaged property on the insurer and
demanding full value for it?
Abandonment
What is the primary characteristic of the doctrine that links an ...
Florida Claims Adjuster Mock Exam
*Q&A* (100% Correct) 2025/2026
|VERIFIED|
Which of the following clauses prevents an insured from dumping damaged property on the insurer and
demanding full value for it?
Abandonment
What is the primary characteristic of the doctrine that links an event and the resulting damage through
an uninterrupted connection?
Doctrine of Proximate Cause
A vehicle is eligible for service under Mechanical Breakdown Coverage for up to:
36 Months/36,000 Miles (New Cars)
When there is no financial responsibility at the time of an accident, which of the following must occur?
The legally valid claims of others must be satisfied (10/20/10).
What is the insurance term used to describe a clause that provides separate coverage for each insured as
if no other insureds exist?
Severability
Which of the following is NOT a factor considered in determining a Homeowner's Policy rate?
Age & Gender of Insured
What is the term for the valuation method that accounts for depreciation in determining the payout for
a loss?
Actual Cash Value
1
,Under a typical Personal Injury Protection policy, what is the per person, per accident limit?
$10,000
Which of the following best describes the type of coverage used to insure businesses involved in selling,
repairing, or storing automobiles?
Garage Coverage Form
In the context of property insurance, what clause ensures that the insured receives any broader
coverage adopted by the insurer without additional premium?
Liberalization
What term is used to describe the insurance coverage limits of 25/50/25 or 10/20/10, where amounts
are split for each type of claim?
Split
How long must a certification of future auto liability insurance remain on file after an SR-22 form is filed?
3 years
Which form of liability coverage is used when the basic liability limits are insufficient for an insured’s
needs?
Both A & B (Excess Liability and Umbrella)
When an insured’s medical expenses are covered with a $1,000 deductible and a $3,000 total bill, how
much will the Personal Injury Protection pay if the policy covers 80% after the deductible?
$1,600
What is the correct term for a clause in a homeowner’s insurance policy that secures the lender’s
interest in the property?
Mortgagee Clause
2
,Which of the following would not typically be covered under a Homeowner’s insurance policy?
A fish dies because it was left without food for a week.
Which policy is most likely to cover the dwelling and personal property for a broader range of risks?
DP-3, or the Special Form
What is the coverage limit on the Medical Payments section of a policy for basic Personal Injury
Protection?
$5,000
What type of clause in an insurance policy can impose conditions like using reasonable means to avoid
or reduce loss?
Conditional Contract
Which of the following would typically not qualify for a Homeowner’s policy?
A business condo owned by a local insurance company
Under a Homeowner's policy, which type of property coverage includes detached structures such as
sheds or carports?
Other Structures
What type of insurance provides protection against economic loss due to damage to a property or
person’s financial stake?
Insurable Interest
How much will Med Pay cover in the case of a $15,000 medical bill with a $5,000 Med Pay coverage and
no deductible?
$5,000
3
, Which type of insurance covers personal property within a home, including clothing and luggage, but
excludes certain items like pets?
Personal Property Coverage
If a person has a basic Personal Injury Protection policy, what is typically deducted from medical bills
before coverage is applied?
The deductible
In a standard auto liability policy, the owner must maintain future responsibility for accidents through:
Form SR-22 certification
Which of the following is a situation in which coverage would apply for damage to personal property?
A fire destroys the insured's clothes and those of an overnight guest.
Jeremy owns a home that is recently damaged due to a hurricane. The repair estimate is averaged at
$25,000 and Jeremy decides to stay in a hotel because most of the damage is to his bedroom and
kitchen. Under a Homeowner's Policy, what coverage will pay for the hotel room bill?
A. Fair Rental Value
B. Value Obligation
C. Loss of Use
D. Insurers Duties C. Loss of Use
The insurer will pay any necessary and reasonable expenses associated with a daily living routine.
An insured who wishes to purchase flood insurance, but is located in a moderate or low risk flood zone
may do so by purchasing a: Preferred Risk Flood Policy
Although Flood Insurance is provided by the Federal Government, those who are not in a "flood zone"
may purchase a preferred risk policy to cover them for a flood claim.
4
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