Free practice exam · no signup needed

Florida Public Adjuster Practice Exam

20 exam-style questions drawn from the same bank as our full Florida Public Adjuster course (Florida Public Adjuster (3-20) — Exam Prep). Answer all 20, then grade yourself — most state exams require 70% to pass. Explanations for every question are part of the full course.

1. Critical evidence in a property investigation means:
The statements taken from the insured and from any witnessesThe records generated by public authorities about the incidentThe documents that establish the insured's ownership and interestThe physical proof of cause and origin found at the loss site
2. A $250,000 covered loss is shared pro rata by three policies: A ($100,000 limit), B ($200,000 limit), and C ($200,000 limit). How much does Policy C pay?
$100,000$125,000$83,333$50,000
3. A carrier estimate prices every line correctly but covers only three of the five rooms the water reached. This is:
A scope dispute, resolved by a documented inspection of the full affected areaA coverage dispute, resolved by a written statement of the provisions relied onA valuation dispute, resolved by an appraisal panel appointed under the policyA pricing dispute, resolved by comparing entries in the regional price list
4. In catastrophe claim practice, what actually changes relative to an ordinary claim?
The policy's covered perils are broadened by the declared catastropheThe deductible is suspended until the declared emergency period endsThe volume of claims, which shortens inspections and rushes estimatesThe insured's burden of proving the loss shifts onto the carrier
5. An insured elects to keep her totaled vehicle (owner-retained salvage). ACV is $18,000, the deductible is $500, and documented salvage value is $3,200. Her settlement payment is:
$14,800$17,500$14,300$13,300
6. Replacement Cost Value (RCV) is best defined as the cost to:
Replace the property with cheaper but functionally equivalent substitute materialsReplace property with like kind and quality at current prices, without deducting depreciationPay the stipulated flat amount shown for the item on the declarations pagePay whatever the property would bring in an ordinary arm's-length market sale
7. Which is an insured's duty after loss under the Section I conditions?
Repair the damaged property fully before the adjuster ever inspects itVoluntarily waive the policy's appraisal right after any covered lossPay off the entire outstanding mortgage balance completely firstSubmit a sworn proof of loss within the stated period after request
8. Reserving is described as a solvency obligation because:
Regulators require carriers to hold adequate reserves against known claimsReserves fix the maximum amount the carrier may pay out on the claimReserves are deposited with a state guaranty fund pending settlementReserves must equal the policy limit until coverage has been confirmed
9. A client sold his rental house on June 1 and transferred title; fire destroyed it June 20 while his policy was still in force through December. Can he recover on the policy?
Yes — because the policy was still in force on the date of the fire, the loss is fully coveredNo — but the buyer may step in and claim the fire loss on the seller's still-active policyYes — but his recovery is capped at the price he received when he sold the rental houseNo — he had no insurable interest at the time of loss because he suffers no pecuniary loss from the fire
10. A group of members forms an entity in which each member is protected under the group's captive arrangement, and other specialty structures include fraternal benefit societies and risk retention groups. These are best characterized as:
Licensed surplus lines brokers who place non-admitted businessFederal government insurance programs like the NFIP and cropSpecialty insurer structures a candidate should recognize by nameResidual-market insurance pools serving as insurers of last resort
11. A client replaces a storm damaged roof and hauls off the debris before reporting the claim. The best statement of his position is:
He abandoned the property to the insurer, which the policy conditions expressly barHe breached mitigation, so the insurer may deny the entire claim on that groundHe is fully protected, because emergency mitigation expense is reimbursableHe satisfied mitigation but destroyed the proof of cause and extent, which is his burden
12. A claim has been negotiated for many months, a supplement is pending, and the policy's suit limitation period is about to expire. The adjuster's obligation is to:
Ask the carrier for a written extension and rely on it once it has been grantedAssure the client that a pending supplement tolls the period until it is decidedTell the client in writing that negotiation does not extend it, and refer to counselWait for the supplement decision before raising a legal question with the client
13. A case reserve differs from a bulk reserve in that a case reserve is:
Funded out of surplus rather than out of the insurer's loss reservesDisclosed to the insured rather than held as an internal carrier figureSet on one specific known claim rather than on a category in aggregateSet by the state regulator rather than by the insurer's claim department
14. Wind and an excluded peril combine to cause a loss. The policy contains an anti-concurrent-causation (ACC) clause. How does the ACC clause differ in effect from the efficient proximate cause doctrine?
Efficient proximate cause requires the insured to physically segregate the damage caused by each peril, while the ACC clause never imposes any such segregation requirementEfficient proximate cause covers the loss if a covered peril was the dominant initiating cause; the ACC clause purports to exclude the loss whenever an excluded peril contributes in any sequenceThe ACC clause always covers the loss whenever any covered peril contributes to it, while the efficient proximate cause doctrine denies coverage in that same situationBoth doctrines always produce exactly identical coverage outcomes, so the choice between them never actually changes whether a combined-peril loss is paid or denied
15. Among the three "other insurance" clause types, which one purports to provide NO coverage at all if other insurance exists — and is widely disfavored by courts?
ExcessEscapeContribution by equal sharesPro rata
16. An item still works properly, but its design and configuration are outdated. This reduction in value is classified as:
External obsolescence, from outside conditionsPhysical depreciation, from age, use, and wearSalvage value, from residual worth after lossFunctional obsolescence, from outdated design
17. Which statement gives the estimating method hierarchy correctly?
Square foot to settle, line item for magnitude, unit cost for setting reservesSquare foot for magnitude, unit cost for repetitive work, line item to settleLine item for magnitude, square foot for repetitive work, unit cost to settleUnit cost for magnitude, line item for repetitive work, square foot to settle
18. In a contested property claim, the insured carries the burden of proving:
That the loss falls within the policy's insuring agreementThat the insurer failed to investigate the claim in good faithThat no exclusion in the policy applies to the reported lossThat the policy was countersigned and delivered by the agent
19. A totaled vehicle is financed. Under the loss payable clause, the carrier's settlement payment is:
Split into two separate checks divided by each party's percentage share of the vehicle's equityIssued to the owner alone, who is then personally obligated to forward the payoff amount to the lenderIssued jointly to the owner and the lienholder, whose interest can survive some insured defensesIssued to the lienholder alone, taking the entire settlement regardless of how small its remaining balance
20. A DP-3 covers a rental; Coverage C (if written) is damaged by an unidentified cause. Why might the contents claim fail where the dwelling claim would succeed?
Coverage C is open peril, which shifts the burden of proof onto the insurer insteadCoverage C carries an eighty-percent coinsurance clause that the dwelling coverage does notCoverage C is named peril, so the insured must prove a listed peril caused the lossPersonal property contents are simply never covered under any DP-3 dwelling form

Want a different set? Refresh the page for 20 new questions — the full course has 500+, each with a complete explanation, plus full-length timed exam simulations and an AI tutor.