Florida Public Adjuster Final State Exam 2025 |Approved and Accredited| Actual Exam!!
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Module
Florida Claims adjuster
Institution
Florida Claims Adjuster
Florida Public Adjuster Final State Exam
2025 |Approved and Accredited| Actual
Exam!!
What does the term "No-Fault" refer to in Florida law regarding personal injury protection (PIP)?
It grants limited immunity to those who comply with the law, shielding them from suits
by others throug...
Florida Public Adjuster Final State Exam
2025 |Approved and Accredited| Actual
Exam!!
What does the term "No-Fault" refer to in Florida law regarding personal injury protection (PIP)?
It grants limited immunity to those who comply with the law, shielding them from suits
by others through PIP coverage.
Which of the following is NOT an exception to the Florida No-Fault Tort Exemption?
A) Permanent injury other than scarring
B) Death
C) Temporary loss of bodily function
D) Significant and permanent loss of bodily function
Which program is abbreviated as NFIP?
National Flood Insurance Program
Drivers convicted of DUI or a traffic felony are required to carry what type of insurance under
Form SR-22?
100/300/50 coverage or a certificate of self-insurance of $350,000
Which of the following is NOT a required component of a CGL contract?
A) Claims Made Form
B) Common Policy Conditions Form
C) Nuclear Liability Endorsement
Which of the following is NOT a typical condition in a CGL policy?
A) Examination of Books
B) Inspections and Surveys
C) Annual Review of Policyholders
What is covered under Coverage A of a CGL policy?
Bodily Injury and Property Damage Insuring Agreement
Which of the following indicates a completed job according to CGL policy conditions?
All work required by the contract is finished, or the work has been put to its intended use
by someone other than a contractor.
What is the key difference between "Occurrence" and "Claims Made" in a CGL policy?
"Occurrence" covers incidents that happen during the policy period, while "Claims
Made" only applies if the claim is made during the policy period.
1
, What is the "Retro-Active Date" in a CGL policy?
The date on which the coverage legally began.
How long is the Basic Extended Reporting Period for CGL?
60 days after the expiration of the policy
What does "Umbrella" coverage primarily protect against?
Excessive liability
What components make up a standard Homeowners Policy?
Declarations, one of six Homeowners forms, and mandatory or optional endorsements
In a condominium policy, who determines the required amount of HO-6 coverage?
The Association
What does Homeowners Coverage A typically cover?
The dwelling and attached structures, including construction materials and supplies on or
near the premises.
Which of the following is covered under Homeowners Coverage B?
Detached structures like a garage, guest house, or fence.
What does Coverage C in a Homeowners Policy protect?
Personal property that is owned or used by an insured, regardless of location.
Under what condition might "Loss Settlement" cover buildings to Full Replacement Cost?
If the insurance limit is equal to 80% or more of the building’s replacement value.
What is the standard limit for Homeowners Coverage B?
10% of Coverage A
Which of these is a key factor in determining Homeowners coverage limits?
The value of the insured property, such as Coverage A's dwelling amount.
What is the general limit for Homeowners Coverage D under forms HO-2, HO-3, and HO-5?
30% of Coverage A
How many perils are listed as general exclusions in the textbook?
Nine
What condition directly impacts the settlement of Homeowners coverage claims?
Loss Settlement
If a condominium is co-owned, can a co-owner be insured as a renter under the HO-4 policy?
2
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