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Free Florida Adjuster’s All Lines Insurance Practice Questions

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Sample Practice Questions

Try these 10 sample questions from the Florida Adjuster’s All Lines Insurance practice bank. Each includes the answer and explanation. Continue with the interactive practice above to review the full question set.

  1. 1A residential property insurer receives proof-of-loss statements on June 1. By when must it generally begin the reasonably necessary investigation?

    1. A. Within 3 days
    2. B. Within 7 days
    3. C. Within 15 days
    4. D. Within 30 days

    Answer: B

    Explanation: Section 627.70131(3)(a) generally requires the investigation to begin "within 7 days."

    Reference: Statutes & Constitution :View Statutes : Online Sunshine — Florida Statutes § 627.70131(3)(a)

  2. 2A Florida PIP claim includes covered medical and disability losses. What is the combined statutory limit for those benefits?

    1. A. $2,500
    2. B. $5,000
    3. C. $10,000
    4. D. $25,000

    Answer: C

    Explanation: Florida Statutes § 627.736(1) sets "a limit of $10,000 in medical and disability benefits." The applicable combined limit is $10,000.

    Reference: Statutes & Constitution :View Statutes : Online Sunshine — Florida Statutes § 627.736(1)

  3. 3An owner wants a dwelling form that covers direct damage from all perils except those the form excludes, rather than only listed named perils. Which dwelling form fits?

    1. A. DP-1 Basic Form
    2. B. DP-2 Broad Form
    3. C. HO-4 Renters Form
    4. D. DP-3 Special Form

    Answer: D

    Explanation: "DP-3 (Special Form) – Offers “all-risks” coverage for the dwelling and attached structures." DP-3 provides open-peril dwelling coverage subject to express exclusions.

    Reference: NAIC Homeowners Market Data Call, 2025 Updated Definitions — Dwelling Policy Forms, DP-3

  4. 4A tree limb falls onto an insured personal auto while it is parked; the car did not collide with another vehicle or object. Which physical damage coverage category applies?

    1. A. Collision coverage
    2. B. Property damage liability coverage
    3. C. Medical payments coverage
    4. D. Comprehensive or other-than-collision coverage

    Answer: D

    Explanation: "It also covers damages caused by falling objects or from hitting an animal." Damage from a falling object is specifically treated as other than collision.

    Reference: Florida Department of Financial Services, Personal Automobile Insurance Overview — Personal Automobile Insurance Overview, Comprehensive or Other than Collision Coverage

  5. 5Under the required notice-of-claim provision in a Florida individual health policy, when must written notice generally be given after a covered loss starts?

    1. A. Within 10 days
    2. B. Within 20 days
    3. C. Within 30 days
    4. D. Within 45 days

    Answer: B

    Explanation: Section 627.610 requires written notice "within 20 days after a covered loss starts or as soon as reasonably possible."

    Reference: Statutes & Constitution :View Statutes : Online Sunshine — Florida Statutes § 627.610(1)

  6. 6Under the Florida Automobile Joint Underwriting Association plan, who issues policies and provides policyholder and claims service on behalf of participating insurers?

    1. A. Designated insurers
    2. B. County tax collectors
    3. C. Citizens Property Insurance Corporation
    4. D. The Division of Workers' Compensation

    Answer: A

    Explanation: Section 627.311(3)(c) requires "designated insurers" to issue policies and provide policyholder and claims service on behalf of all insurers.

    Reference: Statutes & Constitution :View Statutes : Online Sunshine — Florida Statutes § 627.311(3)(c)

  7. 7What must a person generally hold before acting or advertising as a Florida insurance adjuster?

    1. A. Only an insurer appointment
    2. B. Only a department license
    3. C. A current department license and an appropriate appointment
    4. D. A county occupational permit

    Answer: C

    Explanation: Section 626.112(1)(a) requires an adjuster to be "currently licensed by the department and appointed" by an appropriate entity or person.

    Reference: Fs Chapter 626 — Florida Statutes § 626.112(1)(a)

  8. 8A residential property claim requires a physical inspection. What deadline follows receipt of the proof-of-loss statements?

    1. A. The inspection must occur within 7 days
    2. B. The inspection must occur within 15 days
    3. C. The inspection must occur within 30 days
    4. D. The inspection must occur within 60 days

    Answer: C

    Explanation: Section 627.70131(3)(b) requires a qualifying physical inspection "within 30 days" after receipt of proof-of-loss statements.

    Reference: Fs Chapter 324 — Florida Statutes § 627.70131(3)(b)

  9. 9An adjuster is determining the death benefit available under a Florida PIP policy. What amount applies per individual?

    1. A. $5,000
    2. B. $10,000
    3. C. $15,000
    4. D. $25,000

    Answer: A

    Explanation: Section 627.736(1)(c) provides "Death benefits of $5,000 per individual." That amount is additional to medical and disability benefits.

    Reference: Statutes & Constitution :View Statutes : Online Sunshine — Florida Statutes § 627.736(1)(c)

  10. 10A tenant owns furniture but not the apartment building. Which homeowners form is designed to cover the tenant's unscheduled personal property?

    1. A. HO-4 Renters Form
    2. B. HO-3 Special Form
    3. C. HO-6 Unit Owners Form
    4. D. HO-8 Modified Coverage Form

    Answer: A

    Explanation: "HO-4 (Renter’s Form) – Covers unscheduled personal property on a broad named perils basis" HO-4 is the renter form for unscheduled personal property; the other forms address different insured interests.

    Reference: NAIC Homeowners Market Data Call, 2025 Updated Definitions — Homeowners Policy Forms, HO-4

Topics in this practice bank

These topics describe the available practice for Florida Adjuster’s All Lines Insurance. Review the examination outline and its sources for scope and allocation details.

  • PROPERTY AND LIABILITY INSURANCE CONCEPTS, INSURANCE CONTRACTS, AND LAW AND ADJUSTING PRACTICES
    • 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
    • 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
    • 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
    • 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
    • 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
    • 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
    • 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)

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These are independent study questions, not actual examination items. For examination requirements and official information, view Florida Adjuster’s All Lines Insurance details.