FLORIDA CERTIFIED ADJUSTERS PRE-LICENSE

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FLORIDA CERTIFIED ADJUSTERS PRE-LICENSE

EXAM NEWEST 2025 ACTUAL EXAM | COMPLETE 150

REAL EXAM QUESTIONS AND CORRECT DETAILED

ANSWERS (VERIFIED ANSWERS) ALREADY GRADED

A+|| BRAND NEW!!

A dwelling policy would NOT be appropriate for:

• a duplex owned by an individual.
• a single-family home wholly rented out.
• a four-plex owned by a corporation.
• a motorhome owned by an individual. - ANSWER - D. a motorhome

owned by an individual.

What is the most common type of Time Element Insurance?

• Contingency Insurance
• Business Interruption Insurance
• Liability Insurance
• Business Direct Insurance - ANSWER - B. Business Interruption

Insurance

What must be proven in order for Time Element Insurance to cover a loss?

• The direct loss could not have been prevented.
• The losses wouldn't be covered by any other insurance.
• The indirect losses were the result of a covered direct loss. 1 / 4

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• The losses only involved permanent structures. - ANSWER - C. The

indirect losses were the result of a covered direct loss.

Coast-to-Coast Trucking is in the business of transporting fresh produce from farmers to markets all across the U.S. Which type of inland marine policy would best protect Coast-to-Coast Trucking's interest in the produce that it ships?

• Instrumentalities of Transportation and Communication policy
• Trip Transit policy
• Motor Truck Cargo policy
• Mail Coverage Policy - ANSWER - C. Motor Truck Cargo policy

In order to adjust claims for the NFIP, adjusters must meet several requirements. Which of the following is NOT one of these requirements?

• Attend an NFIP claims presentation every 3 months
• Be NFIP certified
• Attend an NFIP claims presentation annually
• Have at least 4 consecutive years of full-time property loss adjusting

experience - ANSWER - A. Attend an NFIP claims presentation every 3 months

Which of the following is NOT one of the differences between a BAP and a truckers policy?

• A BAP uses coverage symbols to designate covered autos. 2 / 4

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• A BAP typically excludes businesses that transport the property of

others.

• Liability coverage in a truckers policy includes coverage for people

who hire out or lend their cars to the insured for business purposes.

• A truckers policy includes trailer interchange coverage. - ANSWER -
• A BAP uses coverage symbols to designate covered autos.

Jim drops his car off at ABC Garage to have his exhaust system repaired and takes the train to work. When he returns, he finds that his car has been vandalized. Jim has comprehensive coverage, but feels the garage is responsible for the damage since Jim entrusted the car to ABC Garage.Which coverage type under ABC's garagekeepers policy would cover any part of the loss that Jim's policy does not cover?

• Direct Primary Coverage
• Excess Comprehensive Coverage
• Direct Excess Coverage
• General Liability Coverage - ANSWER - C. Direct Excess Coverage

Insurers often protect themselves from providing insurance to people who are already ill by inserting which type of clause into a health insurance contract? - ANSWER - Waiting period

In a BOP, the purpose of Supplementary Payments in conjunction with

liability coverage is to: - ANSWER - cover costs associated with

defending and investigating a claim against the insured.

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pg. 4 Jane owns an aquarium supplies store and purchases a Business Owners Policy to protect her assets. Which of the following protections can Jane expect from her standard BOP with no endorsements?

• Named peril coverage
• Insurance for her company-owned vehicles
• Extra expense coverage
• Malpractice insurance - ANSWER - C. Extra expense coverage

Why has Pollutant Cleanup and Removal coverage become more popular recently? - ANSWER - EPA fines and penalties have increased.

Which of the following is TRUE about workers' compensation insurance?

• It benefits the employee only.
• It benefits the employer only.
• The employer always benefits more than the employee.
• It benefits both the employee and the employer. - ANSWER - D. It

benefits both the employee and the employer.

Which policy is used as an alternative to the Trucker's Policy to cover companies that offer transportation services to the public on a regular basis, rather than for hire? - ANSWER - Motor Carrier policy

Dwelling policies cover:

• liability only.
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