Claims Adjuster (Florida)

First published: September 2, 2026Last verified: September 2, 2026Reviewed by the CertQuestUSA team

TL;DR

Claims Adjuster (Florida): a 170-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 50 questions each with no repeats, every question citing the real regulation it comes from.

Where these questions come from

Every question in this bank cites a real source -- primarily content.naic.org (69%) and Fla. Stat. (26%) of this exam's citations.

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3

full papers, no repeats

50

questions per paper

170

questions in the bank

What this exam covers

Adjuster Role, Claim Process, Ethics, and Communication15%
Auto Liability, Casualty, and Bodily Injury Claims15%
Fl Adjuster Ce3%
Fl Adjuster License Categories3%
Fl Claim Handling Deadlines4%
Fl Emergency Adjuster License3%
Fl Nonresident Adjuster License2%
Fl Primary Adjuster Supervision2%
Fl Public Adjuster Act5%
Fl Public Adjuster Bond3%
Fl Unfair Claims Practices3%
Investigation, Documentation, Estimating Damages, and Settlement15%
Property Coverage: Standard Fire, Homeowners, and Commercial Property Claims15%
Subrogation, Salvage, Reinsurance, Catastrophe, Fraud, and Dispute Resolution15%

5 real sample questions

Fla. Stat. §626.854(11) sets what compensation percentage for amounts an insurer pays to a policyholder before the public adjuster contract is executed?

A. Zero percent

B. 5 percent

C. 10 percent

D. 20 percent

Source: Fla. Stat. §626.854(11)

Under Fla. Stat. §626.864, may the same individual hold an active Florida public adjuster license and an active Florida all-lines adjuster license at the same time?

A. Yes, as long as both licenses are renewed on the same cycle

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

C. Yes, but only if the individual works for a single insurer

D. No, unless the individual holds a company employee adjuster appointment

Source: Fla. Stat. §626.864

An individual holding a Florida all-lines adjuster license may be appointed in which of the following capacities, per Fla. Stat. §626.864?

A. Only as a company employee adjuster

B. As either an independent adjuster or a public adjuster, at the licensee's discretion

C. As a public adjuster once six months of apprenticeship is complete

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

Source: Fla. Stat. §626.864

Fla. Stat. §626.015(2) defines the general term "adjuster" for purposes of the Florida Insurance Code as:

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

B. Any person employed by DFS to investigate consumer complaints

C. Any licensed insurance agent who also handles claims

D. A managing general agent authorized to adjust or pay claims

Source: Fla. Stat. §626.015(2)

A Florida all-lines adjuster who is appointed as a company employee adjuster is, per Fla. Stat. §626.864, permitted to be:

A. Simultaneously appointed as a public adjuster apprentice at the same firm

B. Employed by a public adjusting firm exclusively

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

D. Required to also hold a separate independent adjuster appointment

Source: Fla. Stat. §626.864

Same exam, other states

AL AR AZ CA CO CT DC GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS NC NE NH NJ NM NV NY OH OK OR PA SC TN TX UT VA WA WI WV

Real-world data for this exam

Claims Adjusters, Examiners, and Investigators: real median wage (FL)May 2025$76,920/yr

Frequently asked questions

How many questions are on the CertQuestUSA Claims Adjuster (Florida) practice test?

170 questions total, split into 3 full papers of 50 each with no repeats across papers.

What topics does the Claims Adjuster (Florida) test cover?

14 domains, with the heaviest weight on Adjuster Role, Claim Process, Ethics, and Communication (15%), Auto Liability, Casualty, and Bodily Injury Claims (15%), and Investigation, Documentation, Estimating Damages, and Settlement (15%).

Where do CertQuestUSA's Claims Adjuster (Florida) questions come from?

Primarily content.naic.org (69%) and Fla. Stat. (26%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.

Is there a free diagnostic for Claims Adjuster (Florida)?

Yes -- 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.