Florida Adjuster’s All Lines Insurance — Information & Free Practice
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Florida Adjuster’s All Lines Insurance
- Provider
- Pearson VUE
- Format
- Computer-based written examination
- Exam questions
- 100 scored questions plus 10 pretest questions
- Time limit
- 2 hours
- Passing score
- 70%
Examination outline
PROPERTY AND LIABILITY INSURANCE CONCEPTS, INSURANCE CONTRACTS, AND LAW AND ADJUSTING PRACTICES (14%)
- A. Contracts in general
- B. Property and liability insurance
- B. Property and liability insurance / 1. Contract elements
- B. Property and liability insurance / 2. Insurance policy conditions
- B. Property and liability insurance / 3. Risk
- B. Property and liability insurance / 4. Property insurance concepts
- B. Property and liability insurance / 5. Liability insurance concepts
- B. Property and liability insurance / 6. Insurance contracts and the law
- C. Adjusting Practices
- C. Adjusting Practices / 1. Adjuster's responsibilities
- C. Adjusting Practices / 2. Insurer's claims handling goals
- C. Adjusting Practices / 3. Basic claims handling activities
- C. Adjusting Practices / 4. Common settlement and release options
- C. Adjusting Practices / 5. Property adjusting practices (Ref: 627.70131)
- C. Adjusting Practices / 6. Liability adjusting practices
- D. Types of Insurers
- D. Types of Insurers / 1. Surplus Lines
- D. Types of Insurers / 2. Reciprocal Exchanges
- D. Types of Insurers / 3. Admitted Insurers
- D. Types of Insurers / 4. Residual Market
CASUALTY/LIABILITY INSURANCE (28%)
- A. Automobile Liability
- A. Automobile Liability / 1. Function of auto liability insurance
- A. Automobile Liability / 2. Supplementary payments
- A. Automobile Liability / 3. Limits
- A. Automobile Liability / 4. Personal Auto Policy
- A. Automobile Liability / 5. Personal Auto endorsements
- B. Uninsured Motorists
- C. Florida Automobile No-Fault (PIP)
- D. Automobile Miscellaneous
- D. Automobile Miscellaneous / 1. Business auto policy
- D. Automobile Miscellaneous / 1. Business auto policy / a. Business auto coverage form
- D. Automobile Miscellaneous / 1. Business auto policy / b. Business auto endorsements
- D. Automobile Miscellaneous / 1. Business auto policy / c. Garage insurance
- D. Automobile Miscellaneous / 1. Business auto policy / d. Garage coverage form endorsements
- E. General Liability
- E. General Liability / 1. Declarations
- E. General Liability / 2. Common policy conditions
- E. General Liability / 3. Coverage A – Bodily injury and property damage agreement
- E. General Liability / 4. Coverage B – Personal and advertising injury
- E. General Liability / 5. Coverage C – Medical payments
- E. General Liability / 6. Supplementary payments
- E. General Liability / 7. Miscellaneous forms of general liability insurance
- F. Excess/Umbrella Liability
- F. Excess/Umbrella Liability / 1. Excess liability
- F. Excess/Umbrella Liability / 2. Umbrellas
- G. Other Commercial Casualty Insurance
- G. Other Commercial Casualty Insurance / 1. Professional liability insurance
- G. Other Commercial Casualty Insurance / 2. Employment–related practices liability (EPL)
- H. Homeowners Liability
- H. Homeowners Liability / 1. Coverage
- H. Homeowners Liability / 2. Exclusions
- H. Homeowners Liability / 3. Additional coverages
- H. Homeowners Liability / 4. Limits of liability
- H. Homeowners Liability / 5. Endorsements
- I. Farm Liability
- J. Boiler Machinery/Equipment Breakdown
- J. Boiler Machinery/Equipment Breakdown / 1. Boiler Machinery/Equipment Breakdown coverage form
- J. Boiler Machinery/Equipment Breakdown / 2. Objects definitions forms
- J. Boiler Machinery/Equipment Breakdown / 3. Indirect loss coverage endorsements
- J. Boiler Machinery/Equipment Breakdown / 4. Miscellaneous options
- J. Boiler Machinery/Equipment Breakdown / 5. Small business forms
- K. Crime and Surety
- K. Crime and Surety / 1. Crime General Provisions
- K. Crime and Surety / 2. Coverages and Insuring Agreements
- K. Crime and Surety / 3. Surety bonds
- L. Workers Compensation
- L. Workers Compensation / 1. Workers Compensation law
- L. Workers Compensation / 1. Workers Compensation law / a. Definitions
- L. Workers Compensation / 1. Workers Compensation law / b. Other requirements
- L. Workers Compensation / 1. Workers Compensation law / c. Injuries covered
- L. Workers Compensation / 1. Workers Compensation law / d. Benefits
- L. Workers Compensation / 1. Workers Compensation law / e. Rules for payment
- L. Workers Compensation / 1. Workers Compensation law / f. Claims disputes
- L. Workers Compensation / 1. Workers Compensation law / g. Miscellaneous law provisions
- L. Workers Compensation / 2. Workers’ compensation and employers liability insurance policy
FIRE AND ALLIED LINES, INCLUDING MARINE, DWELLING (28%)
- A. Dwelling Policies
- A. Dwelling Policies / 1. Declarations
- A. Dwelling Policies / 2. Coverages (Basic, Broad, Special Forms)
- A. Dwelling Policies / 2. Coverages (Basic, Broad, Special Forms) / a. DP-1, 2, 3
- A. Dwelling Policies / 3. Endorsements
- B. Homeowners Insurance
- B. Homeowners Insurance / 1. Section I - Property Coverage
- B. Homeowners Insurance / 2. Coverages
- B. Homeowners Insurance / 2. Coverages / a. HO-2, 3, 4, 5, 6, 8
- B. Homeowners Insurance / 3. Limits
- B. Homeowners Insurance / 4. Additional coverages
- B. Homeowners Insurance / 5. Perils insured against
- B. Homeowners Insurance / 6. General exclusions
- B. Homeowners Insurance / 7. Conditions
- B. Homeowners Insurance / 8. General conditions
- B. Homeowners Insurance / 9. Endorsements
- C. Commercial Property Policy
- C. Commercial Property Policy / 1. Contract conditions
- C. Commercial Property Policy / 2. Coverage forms - general
- C. Commercial Property Policy / 3. Causes of Loss forms
- D. Flood Insurance
- D. Flood Insurance / 1. National Flood Insurance Program
- D. Flood Insurance / 2. Other flood insurance
- E. Business owners Policy
- E. Business owners Policy / 1. Eligibility
- E. Business owners Policy / 2. Property coverages
- E. Business owners Policy / 3. Optional coverages
- E. Business owners Policy / 4. Liability coverages
- F. Inland Marine Insurance
- F. Inland Marine Insurance / 1. Nationwide definition
- F. Inland Marine Insurance / 2. Personal inland marine policies
- F. Inland Marine Insurance / 3. Commercial Inland Marine policies
- F. Inland Marine Insurance / 3. Commercial Inland Marine policies / a. Controlled forms
- F. Inland Marine Insurance / 3. Commercial Inland Marine policies / b. Uncontrolled forms
- G. Ocean Marine Insurance
- G. Ocean Marine Insurance / 1. Types of coverage
- G. Ocean Marine Insurance / 1. Types of coverage / a. Hull coverage
- G. Ocean Marine Insurance / 1. Types of coverage / b. Cargo coverage
- G. Ocean Marine Insurance / 1. Types of coverage / c. Freight coverage
- G. Ocean Marine Insurance / 1. Types of coverage / d. Liability coverage
- G. Ocean Marine Insurance / 2. Ocean Marine perils
- G. Ocean Marine Insurance / 3. Other ocean marine policy clauses and definitions
- H. Aviation Insurance
- H. Aviation Insurance / 1. Aircraft policies and coverage
- H. Aviation Insurance / 2. Special aviation coverages
MOTOR VEHICLE PHYSICAL DAMAGE AND MECHANICAL BREAKDOWN INSURANCE (15%)
- A. Personal Auto Policy
- A. Personal Auto Policy / 1. Part D - Coverage for damage to your auto
- A. Personal Auto Policy / 2. Endorsements
- B. Business Auto Policy
- B. Business Auto Policy / 1. Business auto coverage form
- B. Business Auto Policy / 1. Business auto coverage form / a. Section I- Covered autos
- B. Business Auto Policy / 1. Business auto coverage form / b. Section III - Physical damage
- B. Business Auto Policy / 2. Garage insurance
- B. Business Auto Policy / 2. Garage insurance / a. Section I - Covered autos
- B. Business Auto Policy / 2. Garage insurance / b. Section III - Garage keepers
- B. Business Auto Policy / 2. Garage insurance / c. Section IV - Physical damage coverage
- B. Business Auto Policy / 2. Garage insurance / d. Endorsements
- B. Business Auto Policy / 3. Other provisions of auto policies
- C. Mechanical Breakdown
- C. Mechanical Breakdown / 1. Exclusions
- C. Mechanical Breakdown / 2. Deductible
- C. Mechanical Breakdown / 3. Policy term and territory
- C. Mechanical Breakdown / 4. Conditions
HEALTH INSURANCE (2%)
- A. General policy provisions and application
- B. Types of policies
- C. Other organizations
- C. Other organizations / 1. Health Maintenance Organizations (HMO)
- C. Other organizations / 2. Preferred Provider Organizations (PPO)
- D. Disability
- E. Medicare Supplement
RESIDUAL MARKETS (2%)
- A. Florida Automobile Joint Underwriting Association (FAJUA)
- B. Citizens Property Insurance Corporation (Ref: 627.351)
- C. Florida Workers Compensation Joint Underwriting Association (FWCJUA)
SELECTED FLORIDA STATUTES AND RULES (11%)
- A. Adjuster Licensing Requirements
- A. Adjuster Licensing Requirements / 1. Transacting insurance
- A. Adjuster Licensing Requirements / 2. Civil remedy
- A. Adjuster Licensing Requirements / 3. Continuing education (Ref: 626.869)
- A. Adjuster Licensing Requirements / 4. Expiration of license and appointment
- A. Adjuster Licensing Requirements / 5. Notice of change of address; name
- A. Adjuster Licensing Requirements / 6. Refusal, suspension, or revocation of license
- B. Conduct of Adjuster
- B. Conduct of Adjuster / 1. Dismantling, destruction, change of identity of motor vehicle or mobile home; salvage
- B. Conduct of Adjuster / 2. Unfair methods of competition and unfair or deceptive acts or practices
- B. Conduct of Adjuster / 3. Comprehensive coverage
- B. Conduct of Adjuster / 4. Mediation of claims
- B. Conduct of Adjuster / 5. Misrepresentation of policy provisions
- B. Conduct of Adjuster / 6. Failure to acknowledge
- B. Conduct of Adjuster / 7. Response to Department inquiries
- B. Conduct of Adjuster / 8. Insurer Anti-Fraud Efforts
- B. Conduct of Adjuster / 9. Adjuster identification
- C. Ethical Requirements
- C. Ethical Requirements / 1. Violations
- C. Ethical Requirements / 2. Code of Ethics
- D. Florida Insurance Guaranty Association (FIGA)
Examination sources
- florida-insurance-content-outlines-2026.pdf
Examination Content Outlines, page S23
- florida-insurance-content-outlines-2026.pdf
Examination Content Outlines, page S24
- florida-insurance-candidate-handbook.pdf
Score reporting, passing standard
- florida-insurance-candidate-handbook.pdf
Available examinations at a test center, InsFL-ALJ16
Related license preparation
This examination may be required or accepted as an alternative, depending on the license and application pathway.