300+ Free FL Claims Adjuster Practice Questions

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What is the purpose of the Fellow Employee or Fellow Servant exclusion?

To cover all employee injuries

To cover only temporary employees

To provide additional employee coverage

To exclude coverage for bodily injury to employees of the insured (covered by workers compensation)

to track

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2026 Statistics

Key Facts: FL Claims Adjuster Exam

70%

Passing Score

DOI

100 Q

Practice Questions

OpenExamPrep

24 hrs

CE Per Cycle

DOI

2 hrs

Exam Time

DOI

$221

Exam Fee

LicenseMap 2026

Florida requires claims adjusters to pass a state licensing exam covering P&C claims, policy interpretation, state insurance laws, and unfair claims settlement practices.

Sample FL Claims Adjuster Practice Questions

Try these sample questions to test your FL Claims Adjuster exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 300+ question experience with AI tutoring.

1What is the Florida license type designation for a Resident All-Lines Adjuster?

A.4-40

B.6-20

C.3-20

D.2-20

Explanation: The 6-20 license is the Resident All-Lines Adjuster license in Florida. It authorizes the holder to investigate and settle claims on behalf of insurers across all lines of insurance.

2How many hours is the required pre-licensing designation course for a Florida 6-20 All-Lines Adjuster license?

A.20 hours

B.30 hours

C.40 hours

D.60 hours

Explanation: Florida requires completion of a 40-hour Accredited Claims Adjuster (ACA), Certified Adjuster (CA), or equivalent designation course approved by the Florida Department of Financial Services to obtain a 6-20 All-Lines Adjuster license.

3A unique feature of Florida's 6-20 adjuster licensing is that completing an approved designation course does what?

A.Reduces the license fee by 50%

B.Waives the separate state licensing exam requirement

C.Eliminates the fingerprinting requirement

D.Provides automatic reciprocity with all states

Explanation: In Florida, successfully completing a state-approved 40-hour designation course (such as ACA, CALA, CACP, or CA) waives the separate state licensing exam for the 6-20 All-Lines Adjuster license. The course final exam serves as the qualifying exam.

4What is the minimum age to obtain a Florida 6-20 All-Lines Adjuster license?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: To be eligible for a Florida 6-20 Resident All-Lines Adjuster license, the applicant must be a natural person at least 18 years of age.

5Which of the following is a residency requirement for the Florida 6-20 license?

A.Must have lived in Florida for at least 5 years

B.Must be a resident of the State of Florida

C.Can be a resident of any state

D.Must own property in Florida

Explanation: The 6-20 is a resident license, requiring the applicant to be a resident of the State of Florida. Non-residents seeking an All-Lines Adjuster license apply for the 7-20 (Non-Resident) or 70-20 (Non-Resident Designated Home State) license.

6What citizenship requirement applies to the Florida 6-20 adjuster license?

A.Must be a Florida native

B.Must be a United States citizen or legal alien with work authorization

C.No citizenship requirement

D.Must have dual citizenship

Explanation: Applicants for the Florida 6-20 Resident All-Lines Adjuster License must be a United States citizen or legal alien who possesses a work authorization from the United States Immigration and Naturalization Services.

7What is the Florida license type designation for a Non-Resident All-Lines Adjuster?

A.6-20

B.7-20

C.3-20

D.70-20

Explanation: The 7-20 license is the Non-Resident All-Lines Adjuster license in Florida for adjusters who are not Florida residents but wish to handle claims in the state.

8What is the Florida 70-20 license?

A.A public adjuster license

B.A Non-Resident Designated Home State All-Lines Adjuster license

C.A temporary catastrophe license

D.A surplus lines adjuster license

Explanation: The 70-20 is the Non-Resident Designated Home State (DHS) All-Lines Adjuster license. It is for adjusters whose home state does not license adjusters and who designate Florida as their home state.

9What is the Florida 3-20 license?

A.A company employee adjuster license

B.A non-resident adjuster license

C.A Public Adjuster license

D.A catastrophe adjuster license

Explanation: The 3-20 is the Public Adjuster license in Florida. Public adjusters represent policyholders (not insurers) in claim negotiations. Obtaining a 6-20 All-Lines Adjuster license is the first step toward the 3-20 Public Adjuster license.

10How many continuing education hours must a Florida adjuster complete biennially?

A.12 hours

B.18 hours

C.24 hours

D.30 hours

Explanation: Florida adjusters must complete 24 hours of continuing education (CE) bi-annually, due by the end of the licensee's birth month. This requirement is established under Section 626.2815, Florida Statutes.

About the FL Claims Adjuster Exam

The Florida claims adjuster exam covers property and casualty insurance claims, damage assessment, policy interpretation, state insurance laws, unfair claims practices, ethics, and Florida-specific adjuster regulations.

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

$221 (Florida DOI)

FL Claims Adjuster Exam Content Outline

25%

Claims Process

Investigation, documentation, damage assessment, reserving, negotiation

25%

Policy Coverage

Property, casualty, auto, liability policies, coverage analysis, exclusions

20%

State Regulations

State licensing, DOI regulations, unfair claims practices, penalties

15%

Investigation

Evidence gathering, statements, fraud detection, subrogation

15%

Ethics & Practice

Professional conduct, conflicts of interest, confidentiality, CE

How to Pass the FL Claims Adjuster Exam

What You Need to Know

Passing score: 70%
Exam length: 100 questions
Time limit: 2 hours
Exam fee: $221

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

FL Claims Adjuster Study Tips from Top Performers

1Master property and casualty insurance policy structure and coverage

2Study your state's unfair claims settlement practices act

3Know the claims investigation process from first notice to settlement

4Understand subrogation principles and procedures

5Review state-specific adjuster licensing requirements and regulations

Frequently Asked Questions

What does the Florida claims adjuster exam cover?

The exam covers P&C insurance claims, policy interpretation, damage assessment, state insurance regulations, unfair claims practices, and professional ethics.

What is the passing score?

Most states require 70% to pass the claims adjuster licensing exam.

How is this different from a public adjuster?

Claims adjusters work for insurance companies or independently to evaluate claims. Public adjusters work exclusively for policyholders to maximize their settlement.

What CE is required?

Most states require 24 hours of continuing education per renewal cycle for claims adjusters.