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

Ethics and conduct (FL): practice questions

Our Insurance adjuster (all lines) bank has 11 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

Under Rule 69B-220.201, a public adjuster may NOT:

  1. Discourage the insured from talking to the insurer
  2. Put the contract in writing
  3. Hold a general lines agent license
  4. Respond to status requests
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A. Discourage the insured from talking to the insurer — Rule 69B-220.201(4)(a); a PA may hold a general lines agent license but not act as both on the same claim (4)(e).

Question 2 · Florida

For residential claims, Florida's ethics rule requires detailed loss estimates to be prepared with:

  1. Handwritten notes only
  2. Any method the adjuster prefers
  3. Electronic estimating software using local prices
  4. The policyholder's own figures
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C. Electronic estimating software using local prices — Rule 69B-220.201(3)(m)1.; modifications to the program's market prices require documentation and the adjuster's name.

Question 3 · Florida

Under Fla. Stat. 626.989, a person commits a fraudulent insurance act by:

  1. Filing a claim that is later denied
  2. Disputing the amount of loss in good faith
  3. Knowingly submitting false claim information
  4. Requesting appraisal
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C. Knowingly submitting false claim information — Fla. Stat. 626.989(1)(a)1.

Question 4 · Florida

Under Rule 69B-220.201, an adjuster must adjust all claims:

  1. Generously for long-time customers
  2. According to the agent's wishes
  3. Based on the claimant's income
  4. Strictly by the contract, treating all equally
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D. Strictly by the contract, treating all equally — Rule 69B-220.201(3)(b): treat all claimants equally, give no favored treatment, adjust strictly according to the contract.

Question 5 · Florida

Under Fla. Stat. 626.877, every adjuster must adjust each claim:

  1. As the insured instructs
  2. Under the contract and Florida law
  3. As cheaply as possible
  4. As the adjuster's employer prefers, whatever the contract says
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B. Under the contract and Florida law — Fla. Stat. 626.877.

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