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Exam Review

Key Facts: FL Public Adjuster Exam

70%

Passing Score

FL DFS

100 Q

Scored Exam Questions

Pearson VUE outline

2 hrs

Exam Time

FL DFS

24 hrs

CE Per Cycle

FL DFS

$50,000

Surety Bond

F.S. 626.865

Florida requires public adjusters to pass a state licensing exam, obtain a surety bond, and meet continuing education requirements. Florida is one of the highest-demand states for PAs due to frequent hurricane and storm damage claims.

Sample FL Public Adjuster Practice Questions

Try these sample questions to review concepts for the FL Public Adjuster exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 250+ question experience with AI tutoring.

1What is the minimum surety bond amount required for a Florida public adjuster license?
A.$10,000
B.$25,000
C.$50,000
D.$100,000
Explanation: Under Florida Statute §626.865, a public adjuster must file an original surety bond in the amount of $50,000 with the Department of Financial Services. This bond must remain in force for the entire duration of the license and serves as financial protection for consumers.
2How many hours of pre-licensing education are required to obtain a Florida public adjuster license?
A.20 hours
B.30 hours
C.40 hours
D.60 hours
Explanation: Florida requires 40 hours of pre-licensing education before an applicant can sit for the public adjuster examination. This is one of the most rigorous pre-licensing education requirements among all states and reflects Florida's status as the most active public adjuster market in the nation.
3Under Florida Statute §626.854, what is the maximum fee a public adjuster may charge for claims NOT related to a state of emergency?
A.10% of claim payments
B.15% of claim payments
C.20% of claim payments
D.25% of claim payments
Explanation: Florida law caps public adjuster fees at 20% of the amount of insurance claim payments for claims that are not based on events subject to a declaration of state of emergency. For emergency-related claims, the cap is reduced to 10% for the first year after the declaration.
4What is the maximum fee a Florida public adjuster may charge during a declared state of emergency?
A.5% of claim payments
B.10% of claim payments
C.15% of claim payments
D.20% of claim payments
Explanation: Under Florida Statute §626.854(5)(b)(1), public adjusters may not charge more than 10% of the amount of insurance claim payments for claims based on events that are the subject of a declaration of state of emergency by the Governor. This reduced cap applies for one year after the declaration.
5Which Florida state agency issues public adjuster licenses?
A.Florida Department of Insurance
B.Florida Department of Financial
C.Florida Office of Insurance Regulation
D.Florida Division of Consumer Services
Explanation: The Florida Department of Financial Services (DFS) is responsible for issuing and regulating public adjuster licenses. The DFS oversees all insurance-related licensing in Florida, including the examination, application, and continuing education requirements for public adjusters.
6What is the Florida public adjuster license designation number?
A.2-20
B.3-20
C.4-40
D.6-20
Explanation: The Florida public adjuster license is designated as a 3-20 license. This specific designation differentiates it from other adjuster types such as the 6-20 (all-lines adjuster) and distinguishes public adjusters who represent policyholders from those who work on behalf of insurance companies.
7Under Florida law, a public adjuster primarily represents which party in an insurance claim?
A.The insurance company (insurer)
B.The insured policyholder
C.The mortgage lender
D.The state government agency
Explanation: A public adjuster in Florida is defined under §626.854 as a person who acts on behalf of, or aids, an insured or third-party claimant in negotiating for or effecting the settlement of a claim for loss or damage covered by an insurance contract. They exclusively represent the policyholder's interests.
8What minimum passing score is required on the Florida public adjuster examination?
A.60%
B.65%
C.70%
D.75%
Explanation: Applicants must achieve a minimum score of 70% on the Florida public adjuster examination to pass. There are no exemptions from the exam requirement, even for attorneys or individuals with extensive insurance industry experience.
9According to Florida Statute §626.854, may a public adjuster give a monetary loan or advance to a client?
A.Yes, up to $500
B.Yes, with written consent
C.No, it is strictly prohibited
D.Yes, if the claim exceeds $10,000
Explanation: Under §626.854(9), a public adjuster, public adjuster apprentice, or any person acting on their behalf may not give or offer to give a monetary loan or advance to a client or prospective client. This prohibition is absolute and applies regardless of the circumstances.
10What is the maximum value of merchandise a Florida public adjuster may give as an advertising inducement?
A.$10
B.$25
C.$50
D.$100
Explanation: Under Florida Statute §626.854(10), a public adjuster or public adjuster apprentice may not give or offer to give any article of merchandise having a value in excess of $25 to any individual for the purpose of advertising or as an inducement to entering into a contract with a public adjuster.

About the FL Public Adjuster Exam

The Florida public adjuster exam covers state PA licensing requirements, policyholder advocacy, claims documentation, insurance policy interpretation, fee regulations, and professional ethics under Florida Statutes Title XXXVII.

Exam sponsor: Florida Department of Financial Services. The requirements and fees below concern the certification or admission exam, separate from our free practice resources.

Questions

100 questions

Time Limit

2 hours

Passing Score

70%

Exam / Certification Fees

$44

Exam sponsor website

Fees, eligibility, and exam policies can change. Confirm them with the exam sponsor before applying or paying.

Our practice resources: topics covered

We aim to reflect publicly available exam outlines and topic information in our study resources. Coverage, format, and difficulty may differ from the actual exam, and we cannot guarantee that every detail is accurate or current. Confirm exam requirements, fees, and policies with the official exam sponsor.

25%

General Property Insurance Product Knowledge

Contracts, policy conditions, property insurance concepts, company, independent and public adjuster responsibilities, claims handling and settlement practices, types of insurers

25%

Property Insurance Policies

Dwelling (DP-1 to DP-3), homeowners (HO-2 to HO-8), condominium, mobile home, commercial property, flood, businessowners, inland and ocean marine, builders' risk, aviation, equipment breakdown, crime

2%

Motor Vehicle Physical Damage and Mechanical Breakdown Insurance

Personal auto Part D, business auto and garage physical damage, mechanical breakdown

2%

Residual Markets

Florida Automobile Joint Underwriting Association (FAJUA) and Citizens Property Insurance Corporation

15%

Selected Florida Statutes and Rules

Adjuster conduct, unfair trade practices, mediation of claims (FS 627.7015), ethical requirements, Florida Insurance Guaranty Association (FIGA)

31%

Florida Laws and Regulations Pertinent to Public Adjusters

Licensing, continuing education, apprenticeship, proof of loss, disclosure, contracts, fees and cancellation, records, codes of ethics and conduct, solicitation, commingling, dispute resolution

Preparing for the FL Public Adjuster Exam

What You Need to Know

  • Passing score: 70%
  • Exam length: 100 questions
  • Time limit: 2 hours
  • Exam / certification fees: $44 Official sources

Using Our Practice Resources

  • Work through all 250 available questions
  • Review every answer and explanation
  • Track weak areas and revisit them
  • Use our AI tutor for tough concepts

FL Public Adjuster: Suggested Study Strategy

1Master Florida's public adjuster licensing requirements under Florida Statutes
2Understand the difference between public, independent, and staff adjusters
3Study insurance policy structure: declarations, conditions, exclusions
4Know Florida's fee cap regulations and solicitation rules
5Review hurricane and storm damage claims documentation procedures

Frequently Asked Questions

What does the Florida public adjuster exam cover?

The FL PA exam covers Florida insurance laws, policyholder advocacy, claims processes, policy interpretation, fee regulations, and professional ethics under Florida Statutes.

What is the passing score for the Florida PA exam?

Florida requires a score of 70% or higher to pass the public adjuster licensing examination.

What bond is required for Florida public adjusters?

Florida public adjuster applicants must file a $50,000 surety bond with the Department of Financial Services (s. 626.865). The bond must stay in effect for 1 year after the license expires or ends, and it cannot be terminated without at least 30 days' written notice.

What is the difference between a public adjuster and a claims adjuster?

A public adjuster represents the policyholder in insurance claims, while a claims adjuster works for the insurance company. PAs advocate for maximum settlement on behalf of the insured.