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Exams · Certifications · Licensing

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

Licensing (FL): practice questions

Our Insurance adjuster (all lines) bank has 26 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 all-lines adjuster license qualifies the holder to adjust:

  1. All lines of insurance except life and annuities
  2. Only property and casualty lines, including surety bonds
  3. Only workers' compensation
  4. All lines including life insurance
Show the answer

A. All lines of insurance except life and annuities — Fla. Stat. 626.869(1).

Question 2 · Florida

In Florida, an 'independent adjuster' is a licensed all-lines adjuster who:

  1. Is employed on an insurer's own staff
  2. Works on behalf of insurers, not policyholders
  3. Represents policyholders for a fee
  4. Works only during declared emergencies
Show the answer

B. Works on behalf of insurers, not policyholders — Fla. Stat. 626.855.

Question 3 · Florida

Under Fla. Stat. 626.611, the department must suspend or revoke an adjuster's license if the adjuster:

  1. Misrepresented coverage to settle for less
  2. Took CE courses online
  3. Worked for two insurers in different years
  4. Paid a claim faster than required
Show the answer

A. Misrepresented coverage to settle for less — Fla. Stat. 626.611(1)(f) is a compulsory ground for adjusters; others include fraud, lack of fitness and misappropriation.

Question 4 · Florida

Each Florida adjusting firm location must designate a:

  1. Primary adjuster for that location
  2. Licensed attorney as manager
  3. Public adjuster as owner
  4. Certified public accountant to audit claims files
Show the answer

A. Primary adjuster for that location — Fla. Stat. 626.8695: each business location designates a licensed and appointed primary adjuster, with changes reported within 30 days.

Question 5 · Florida

Which designation can exempt an applicant from Florida's all-lines adjuster exam?

  1. Chartered Property Casualty Underwriter (CPCU)
  2. Certified Public Accountant (CPA)
  3. Chartered Life Underwriter (CLU) or Chartered Financial Consultant
  4. Certified Financial Planner (CFP)
Show the answer

A. Chartered Property Casualty Underwriter (CPCU) — Fla. Stat. 626.221(2)(h) exempts all-lines adjuster applicants with the CPCU (they may still be examined on pertinent code provisions); (j) lists approved adjuster designations.

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