Florida Claims Adjuster Exam Question and Answers [100% Correct] 2025 Latest Version
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Florida Claims adjuster
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Florida Claims Adjuster
Florida Claims Adjuster Exam Question
and Answers [100% Correct] 2025 Latest
Version
What happens when both ABC and XYZ Banks are listed as additional interests on a homeowner's policy,
and the insured home is destroyed by a hurricane?
A. Only ABC receives payment
B. Only XYZ receiv...
Florida Claims Adjuster Exam Question
and Answers [100% Correct] 2025 Latest
Version
What happens when both ABC and XYZ Banks are listed as additional interests on a homeowner's policy,
and the insured home is destroyed by a hurricane?
A. Only ABC receives payment
B. Only XYZ receives payment
C. Payment is made jointly to ABC and XYZ
D. All listed interests will receive a payment from the insurer
D. All listed interests
What term defines the insurance rule where the insured cannot discard damaged property and demand
its full value from the insurer?
A. Pro Rata
B. Abandonment
C. Severability
D. Liberalization
B. Abandonment
Which type of contract involves a situation where economic loss would result from a negative event
affecting the subject?
A. Personal Contract
B. Economic Contract
C. Insurable Interest
D. Conditional Contract
C. Insurable Interest
1
,What clause states that the insured receives the benefit of broadened coverage at no additional
premium if adopted by the insurer during the policy period or prior to it?
A. Cancellation Clause
B. Policy Period
C. Liberalization
D. Pro Rata
C. Liberalization
What doctrine explains the unbroken connection between an event and the resulting damage that grows
out of it?
A. Doctrine of Perils & Hazards
B. Doctrine of Proximate Cause
C. Doctrine of Property Insurance
D. Insurance Policy Handbook
B. Doctrine of Proximate Cause
Which settlement method subtracts depreciation to determine the value of a loss?
A. Actual Cash Value
B. Replacement Cost
C. "Old for New"
D. None of the Above
A. Actual Cash Value
A condition that may be based on the insured's application or added by the insurer is known as what?
A. Warranty
B. Misrepresentation
C. Concealment
D. None of the Above
A. Warranty
2
,Which of the following is not a basic characteristic of a property or liability insurance contract?
A. Personal Contract
B. Conditional Contract
C. Loss of Settlement Contract
D. Contract of Adhesion
C. Loss of Settlement Contract
What condition requires the insured to take reasonable steps to prevent further damage and provide
proof of loss to the insurer?
A. Conditional Contract
B. Adhesion Contract
C. Indemnity Contract
D. All of the Above
A. Conditional Contract
Which of the following is not a "Threshold" in the "No-Fault" law?
A. Death of the Insured
B. Temporary Injury of the Insured
C. A permanent loss of a bodily function
D. Permanent scarring on the face of the insured
B. Temporary Injury of the Insured
How long are new cars eligible for service under Mechanical Breakdown Coverage?
A. 36 Months/36,000 Miles
B. 24 Months/36,000 Miles
C. 12,000 Months/12,000 Miles
D. 12 Months/36,000 Miles
A. 36 Months/36,000 Miles
3
, What must happen if financial responsibility is absent at the time of an accident to avoid penalties?
A. The legally valid claims of others must be satisfied (up to 10/20/10)
B. The owner and operator must provide certification of future responsibility for future accidents
C. Both A & B
D. None of the Above
C. Both A & B
For how many years must an insurer keep proof of auto liability insurance on file with a Form SR-22?
A. 1
B. 3
C. 4
D. 2
B. 3
Which coverage form is not included in a Business Automobile Policy?
A. The Garage Coverage Form
B. The Trailer Interchange Coverage Form
C. The Truckers Coverage Form
D. The Business Auto Coverage Form
B. The Trailer Interchange Coverage Form
What is the per person, per accident limit for Personal Injury Protection (PIP)?
A. 10,000
B. 20,000
C. 1,000
D. Depends on the damaged property
A. 10,000
4
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