Florida Adjuster Licensing Final Exam- Question and Answers [100% Correct] 2025 UPDATED VERSION!!
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Module
Florida Claims adjuster
Institution
Florida Claims Adjuster
Florida Adjuster Licensing Final Exam-
Question and Answers [100% Correct]
2025 UPDATED VERSION!!
What is the primary purpose of an adjuster’s license in Florida?
To ensure that an individual is qualified to assess and evaluate insurance claims according to state
laws.
Which of the ...
Florida Adjuster Licensing Final Exam-
Question and Answers [100% Correct]
2025 UPDATED VERSION!!
What is the primary purpose of an adjuster’s license in Florida?
To ensure that an individual is qualified to assess and evaluate insurance claims according to state
laws.
Which of the following types of claims would require the use of an adjuster in Florida?
Property damage claims resulting from storms or accidents.
In Florida, how long does an adjuster’s license remain valid before it must be renewed?
Two years.
Which of the following actions would be considered a violation of ethical practices by an adjuster in
Florida?
Offering a settlement before properly investigating the claim.
What is the first step an adjuster must take when assigned to a new claim?
Conducting an initial investigation to determine the nature of the claim.
When an adjuster in Florida is negotiating a claim, which of the following is a key factor they must
consider?
The terms of the policy and the coverage limits.
Which type of insurance policy is typically not handled by an adjuster in Florida?
Health insurance claims.
In Florida, who is responsible for paying the adjuster’s fee in a property damage claim?
1
, The insurance company.
What type of claim involves an adjuster evaluating a policyholder's loss of income due to an accident?
Business interruption claim.
What is the statute of limitations for filing a claim under a Florida homeowner’s insurance policy?
Five years.
What must an adjuster do if they suspect fraudulent activity during a claim investigation in Florida?
Report the suspicion to the Florida Department of Financial Services.
Which type of loss is typically covered under a comprehensive auto insurance policy in Florida?
Damage caused by a natural disaster, such as a hurricane.
Which factor is considered when determining whether an adjuster has acted in good faith in Florida?
The thoroughness and accuracy of the claim investigation.
What is the adjuster’s role when a claim is under investigation for potential arson in Florida?
To assess the claim and report findings to the insurance company and authorities.
Which of the following best describes the responsibility of an adjuster when negotiating settlements in
Florida?
To ensure settlements are fair and within the bounds of the policy coverage.
Under Florida law, which of the following is a requirement for an individual to become a licensed
insurance adjuster?
Completing a state-approved training course and passing the licensing exam.
What is the most common cause for an insurance claim to be denied in Florida?
2
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