Florida All Lines Adjuster Practice Exam
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What is the first step an insurer should take when beginning the claims process, especially in regard to
the necessary assessments before proceeding with repairs?
Determining time and cost of repairs
In the state of Florida, if an insurer receives a claim, how many days do they have to either pay the claim
or deny it based on the provided guidelines?
90 days
While at a store, a customer named Alex was struck on the head by a falling light fixture, resulting in
severe injuries that required a lengthy hospital stay. After suing the store and being awarded $400,000,
how much will the store's insurer pay out if the insurance policy's per occurrence limit is $250,000,
despite a general aggregate limit of $750,000?
$250,000
What type of insurance is specifically designed to cover property that is being transported across land or
that is in some way connected to transportation activities?
Inland marine insurance
A plane was damaged during towing by a vehicle. Based on the insurance policy's terms, how is this
particular type of damage categorized in relation to the aircraft’s operation?
Not in motion
Citizens Insurance in Florida provides coverage to people who live outside the state of Florida. Which of
the following statements best describes who is eligible for this kind of insurance?
Not residents of Florida
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,When it comes to Ocean Marine insurance, which provision ensures that insurers collectively share the
financial burden of losses incurred due to a captain's voluntary decision to sacrifice part of the ship or
cargo in an emergency?
General Average
Imagine an employee, named Thomas, works for a company that regularly uses a vehicle for business
purposes but does not own a car himself. However, Thomas would like to have Personal Injury Protection
(PIP) in the event of an accident. Which specific endorsement could be added to his employer’s policy to
provide PIP coverage for him as an individual, even though he doesn’t own a vehicle?
Named Individuals Broadened PIP
Which of the following factors is not typically used to determine the premium for a personal auto liability
policy, especially when evaluating the risk?
The condition of the vehicle
While visiting a friend, Kevin contracted an illness after being exposed to the flu. Kevin tried to file a
claim with his friend’s homeowner's insurance for medical expenses and lost wages. Why did the
insurance provider deny his claim based on the policy’s exclusions?
Disease transmitted from the insured to a third party is excluded
Imagine that John owns two aircraft and has insurance that covers bodily injury and property damage.
After an accident in which John crashes into a car, injuring two people and totaling the vehicle, how
much will John be required to pay out of pocket if the insurance limits are exhausted?
$50,000
What type of coverage is mandatory under all Florida residential property insurance policies, specifically
in relation to catastrophic events that could affect the property’s foundation or structural integrity?
Catastrophic ground collapse
If a person is in the hospital and has a daily allowance insurance policy, where the insurer only
reimburses a flat rate for a hospital stay and the insured must cover any remaining costs, what type of
insurance would the individual likely have?
Hospital Indemnity insurance
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, Consider a business, ABC Construction, that holds two commercial general liability policies for the same
coverage. If the company suffers a loss covered by both policies, how will the loss be distributed if the
policies each use occurrence forms?
KLM Insurance will pay $50,000; XYZ Mutual will pay $100,000
When looking to become a licensed insurance adjuster in Florida, which of the following is NOT one of
the qualifications an applicant must meet according to the state regulations?
Spend 20 hours working in the field with a licensed insurance adjuster
Which of the following parts of an automobile is excluded from coverage under a Mechanical Breakdown
Insurance policy, even though it is often essential for vehicle operation?
Tires
If Dr. Brown has a malpractice insurance policy that operates on a claims-made basis, what kind of claims
would trigger the coverage for a policy period from May 1, 2023, to May 1, 2024?
Claims filed between May 1, 2023, and May 1, 2024
When an insurance company, Sunshine Insurance, decides not to renew a policy for a client named
Grace, what is the minimum amount of time they must give her notice before her policy expires?
At least 45 days before expiration
What is the key feature of flood insurance in the United States, especially when it comes to federal
backing and availability?
It is always backed by the National Flood Insurance Program
How does workers' compensation insurance serve both the employee and the employer, and what is the
primary benefit for both parties involved in this insurance system?
It benefits both the employee and the employer
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