2024 FLORIDA 6-20 ALL LINES ADJUSTER LICENSE

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2024 FLORIDA 6-20 ALL LINES ADJUSTER LICENSE

EXAM WITH 250+ REAL EXAM QUESTIONS AND

CORRECT ANSWERS (100% CORRECT ANSWERS -

PASSED) FL ALL LINES ADJUSTER 6 -20

CERTIFICATION TEST 2024/2025 (NEWEST!!)

States have adopted statutes regarding claims adjusting. To avoid unfair treatment

to a claimant the adjuster must not:

• Promptly investigate the claim.
• Follow the laws regarding the number of days in which to commence an

investigation.

• Deny the claim until a fair and prompt investigation has commenced.
• Pay the claim within a reasonable number of days after the final proof of loss

has been received. - ANSWER-C. Deny the claim until a fair and prompt investigation has commenced.

An adjuster's license will usually be revoked for which of the following reasons:

• Denying claims that are not covered.
• Failing to report a change of address.
• Having been convicted of a misdemeanor.
• Having been convicted of a felony. - ANSWER-D. Having been convicted of a

felony.

Which of the following is not a claim settlement option?

• Forcing the insured to sue by offering less than the claim is worth.
• Repairing property. 1 / 4

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• Replacing with like kind and quality.
• Replace with new - ANSWER-A. Forcing the insured to sue by offering less

than the claim is worth.

The giving up of a known right is called:

• Estoppel
• Violation of policy conditions
• Rebating
• Waiver - ANSWER-D. Waiver

An insured's home is covered by the DP-3 form. The policy provides $20,000 in coverage on a home that would cost $50,000 to replace. When high winds destroy the roof, it is determined that it will cost $2,000 to replace it. Assuming the actual cash value of the roof is $750, how much will the insured collect for this loss?

A. $2,000

B. $1,600

C. $1,000

D. $1,750 - ANSWER-C. $1,000

Mr. Simpson owns a dwelling in a rural area close to a small wooded area. He is covered under a DP-3 form. A deer sees it's reflection in a picture window and jumps through and enters the dwelling causing significant wall and floor damage.Some of the furniture is damaged and must be replaced. He is covered for $100,000 on the dwelling and $50,000 on the contents. Which of the following would apply to this loss?

• The entire loss would be denied.
• Pay replacement cost on the dwelling and ACV for the contents loss.
• Pay replacement cost on the dwelling and the contents. 2 / 4

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• Deny the contents claim and pay the dwelling loss on a replacement cost basis. -

ANSWER-D. Deny the contents claim and pay the dwelling loss on a replacement cost basis.

The insured is covered under a DP-1 Dwelling Policy with coverage on the dwelling in the amount of $100,000. He has a detached garage valued at $10,000.Both structures are destroyed by a fire. What is the total amount recoverable under the policy?

A. $110,000

B. $100,000

C. $95,000

D. $105,000 - ANSWER-B. $100,000

A public adjuster represents the interest of:

• The insurer
• The Insured
• The employer
• The interest of the general public - ANSWER-B. The insured

Which of the following is the type of report that indicates the initial results of a claim investigation?

• Field Report
• Interim Report
• Full Report
• None of the above - ANSWER-A. Field Report
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pg. 4 s An innocent party relies on certain statements made by the adjuster and is damaged as a result. The guilty party may be legally prohibited from asserting that the fact

does not exist because of:

• Waiver
• Estoppel
• Duties of the adjuster
• Law of contract - ANSWER-B. Estoppel

Should an insured fail to report a claim in a timely fashion the adjuster will

usually:

• Deny the claim.
• Send the insured a reservation of rights letter.
• Cease investigating.
• Seek the advice of the company's attorney. - ANSWER-B. Send the insured a

reservation of rights letter.

A company adjuster primarily represents the interests of:

• The insured.
• The claimant.
• The insurer.
• The public. - ANSWER-C. The insurer.

The insured has been involved in an automobile accident and has sustained bodily injuries

and damage to the insured vehicle. The adjuster will usually:

• Withhold any payment until all the bills have been reviewed for payment.
• Pay to repair the vehicle and pay the medical bills later.
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