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All-Lines Insurance Adjuster Exam (Texas and Florida 6-20)

Claims law (FL): practice questions

Our Insurance adjuster (all lines) bank has 33 questions on this topic. Here are 5 of them with answers; the full mock exam draws from every topic, like the real one.

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Question 1 · Florida

A Florida liability insurer that wants to keep a coverage defense must send the named insured a reservation of rights within:

  1. 10 days after the loss
  2. 30 days after it knew or should have known of the defense
  3. 60 days after suit is filed against the insured
  4. 90 days after the claim
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B. 30 days after it knew or should have known of the defense — Fla. Stat. 627.426(2)(a): within 30 days after the liability insurer knew or should have known of the coverage defense, written notice of reservation of rights must go to the named insured.

Question 2 · Florida

Within how many days after receiving an initial claim communication must a Florida insurer give a residential policyholder the Homeowner Claims Bill of Rights?

  1. 7 days
  2. 30 days
  3. 14 days
  4. 60 days
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C. 14 days — Fla. Stat. 627.7142.

Question 3 · Florida

Who pays the cost of a Florida 627.7015 mediation conference?

  1. The policyholder
  2. The department
  3. The two parties split it
  4. The insurer, in most cases
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D. The insurer, in most cases — Fla. Stat. 627.7015(3).

Question 4 · Florida

For a replacement cost dwelling loss in Florida, what must the insurer pay at first?

  1. At least the actual cash value, less the deductible
  2. Nothing until repairs are finished
  3. The full policy limit for the dwelling
  4. Only the depreciation
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A. At least the actual cash value, less the deductible — Fla. Stat. 627.7011(3)(a): for a dwelling insured on a replacement cost basis, the insurer must initially pay at least the actual cash value of the loss, less any deductible.

Question 5 · Florida

On an auto claim, a Florida insurer that elects to repair and requires a particular shop must:

  1. Use only used parts
  2. Charge the claimant for any upgrades the shop makes
  3. Let the shop choose the deductible
  4. Restore it to pre-loss condition at no added cost
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D. Restore it to pre-loss condition at no added cost — Fla. Stat. 626.9743(3).

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