Free Florida Claims Adjuster Practice Exam Online

Correct answer: A. Zero percent

• B: 5 percent is not one of the compensation tiers set out in §626.854(11).
• C: 10 percent applies to emergency-period claims after a contract is signed, not to pre-contract payments.
• D: 20 percent is the standard post-contract cap, not the figure for amounts already paid before the contract existed.

Correct answer: B. No, the same individual may not be concurrently licensed as a public adjuster and an all-lines adjuster

• A: The statute bars concurrent licensing outright; a shared renewal cycle does not create an exception.
• C: There is no insurer-exclusivity exception in §626.864; the bar on dual licensure applies regardless of who the individual works for.
• D: A company employee appointment is itself one of the all-lines adjuster appointment types the statute is distinguishing from public adjuster licensure, not an exception to the concurrent-licensing bar.

Correct answer: D. As an independent adjuster, public adjuster apprentice, or company employee adjuster (but not more than one concurrently)

• A: Company employee adjuster is only one of three possible appointments for an all-lines adjuster, not the exclusive one.
• B: An all-lines adjuster cannot be appointed as a public adjuster at all, since public adjuster and all-lines adjuster licenses are mutually exclusive under §626.864.
• C: Completing an apprenticeship under the all-lines license does not convert that license into a public adjuster license; public adjuster licensure requires a separate application under §626.865.

Correct answer: A. A public adjuster as defined in §626.854 or an all-lines adjuster as defined in §626.8548

• B: DFS complaint investigators are department staff, not licensees defined by the Insurance Code's adjuster definition.
• C: An agent who happens to handle claims is not thereby brought within the statutory definition of "adjuster"; the two license categories are legally distinct.
• D: §626.015(16) treats managing general agents as a separate defined category from adjusters, even though an MGA's activities can include adjusting or paying claims.

Correct answer: C. Self-employed or employed by an insurance company, but not concurrently holding another all-lines appointment type

• A: The statute allows only one of the three appointment types (independent, apprentice, or company employee) at a time for a given all-lines adjuster.
• B: Company employee adjuster appointments are tied to insurers, not to public adjusting firms, which employ public adjusters instead.
• D: Holding an independent adjuster appointment concurrently with a company employee appointment is exactly the kind of dual appointment §626.864 prohibits.