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Property and Casualty Insurance Producer Exam

Claims (FL): practice questions

Our Property & Casualty Insurance bank has 20 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 Florida's property mediation program, disputes are not eligible (unless the parties agree) when the amount in controversy is less than:

  1. $500
  2. $100
  3. $1,000
  4. $2,500
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A. $500 — Fla. Stat. 627.7015: a claim with an amount in controversy less than $500 is not eligible unless the parties agree to mediate.

Question 2 · Florida

A Florida residential property insurer must acknowledge a claim communication within:

  1. 3 business days
  2. 7 calendar days
  3. 14 days
  4. 30 days
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B. 7 calendar days — Fla. Stat. 627.70131(1)(a): upon receiving a communication about a claim, the insurer shall review and acknowledge receipt within 7 calendar days.

Question 3 · Florida

When a Florida residential property claim investigation includes a physical inspection, the inspection must be done within:

  1. 30 days after proof-of-loss statements are received
  2. 7 days
  3. 60 days
  4. 90 days
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A. 30 days after proof-of-loss statements are received — Fla. Stat. 627.70131: if an investigation involves a physical inspection, the licensed adjuster must physically inspect within 30 days after receipt of the proof-of-loss statements.

Question 4 · Florida

On a claimant's written request, a Florida liability insurer must disclose the insured's policy limits, under oath, within:

  1. 10 days
  2. 45 days
  3. 30 days
  4. 90 days
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C. 30 days — Fla. Stat. 627.4137(1): within 30 days of the written request of the claimant, a sworn statement setting out the coverage information.

Question 5 · Florida

Before an insurer's adjuster inspects a Florida property where the claimant is represented, the adjuster must give at least:

  1. 12 hours' notice
  2. 24 hours' notice
  3. 7 days' notice
  4. 48 hours' notice
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D. 48 hours' notice — Fla. Stat. 626.854(14): at least 48 hours' notice to the insured or claimant, public adjuster or legal representative before an onsite inspection.

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