Free Florida 6-20 Adjuster Practice Test 2026
200 original questions on the Florida all-lines adjuster outline: PIP and auto, liability and workers' comp, homeowners, hurricane deductibles and flood, commercial and marine lines, Citizens, and Florida claims law and ethics. Four 50-question mock tests. Tuned for mobile. No account needed.
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The FL 6-20 Adjuster exam at a glance
The Florida 6-20 exam is the Florida All-Lines Adjuster exam, the licensing exam the Florida Department of Financial Services requires for the all-lines adjuster license, which covers every line of insurance except life and annuities. Pearson VUE gives it in English: 100 scored questions plus 10 unscored pretest questions in 2 hours, with 70 percent correct to pass. Under the content outline effective January 1, 2026, it covers casualty and liability insurance (28%), fire and allied lines, marine and dwelling (28%), motor vehicle physical damage and mechanical breakdown (15%), insurance concepts and adjusting practices (14%), Florida statutes and rules (11%), health (2%) and residual markets (2%). The same exam serves the nonresident 7-20 and 70-20 licenses.
Tigertest has 200 FL 6-20 Adjuster practice questions with explanations, all free with no account required.
- Questions
- 100 scored plus 10 pretest
- Time
- 2 hours
- Passing score
- 70% correct
- Largest areas
- Casualty/liability and fire/allied lines, 28% each
- Languages
- English
- Run by
- Florida Department of Financial Services, delivered by Pearson VUE
Updated by the Tigertest team. Practice questions follow Florida content outlines effective January 1, 2026 and the Pearson VUE Florida candidate handbook, checked November 2026. Exam rules change, so confirm current details with Pearson VUE: Florida Insurance.
How It Works
Train by Topic
Seven training sets: concepts and adjusting; auto liability and Florida PIP; physical damage and mechanical breakdown; liability, workers' comp and residual markets; homeowners, dwelling and flood; commercial property and marine; and Florida licensing and ethics. Questions you miss come back until you have mastered them.
Weighted Mock Tests
Four mock tests of 50 questions in the real exam's proportions, each with a 70% pass line. No question appears in more than one test, and every coinsurance and hurricane deductible calculation is worked through.
Built on the Florida Content Outline
The real exam has 100 scored questions in seven parts. Each mock test here keeps the same balance: 7 concepts and adjusting, 14 casualty and liability, 14 property and marine, 7 physical damage, 2 health and residual market, and 6 Florida law questions in every 50.
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Share FeedbackHow to Pass the Florida 6-20 Exam
1. Learn the Florida claim clock
Residential property claims run on statute: acknowledge within 7 days, start investigating within 7 days of the proof of loss, inspect within 30 days, send any detailed estimate within 7 days, and pay or deny within 60 days. New claims must be reported within 1 year and supplemental claims within 18 months.
2. Know PIP and workers' comp by the numbers
Florida PIP pays 80% of medical bills and 60% of lost income, needs initial care within 14 days, and is overdue after 30 days. Workers' comp has a 7-day waiting period that pays back after 21 days, 66 2/3% temporary total benefits, and 4 employees (1 in construction) before coverage is required.
3. Work hurricane deductibles and coinsurance by hand
A percentage hurricane deductible is figured on the dwelling limit, not the loss, and a hurricane runs from the first warning to 72 hours after the last watch or warning. Practice coinsurance, the homeowners 80% replacement cost rule and Florida's actual-cash-value-first payment on replacement cost claims.
4. Read the code of ethics as a list of don'ts
Do not steer claimants to firms you profit from, negotiate with a represented third party without the lawyer's consent, discourage anyone from hiring a lawyer or public adjuster, or take statements from someone in shock. Aim for 85% or better on every mock test before you sit the real one.
Florida 6-20 Adjuster Exam Frequently Asked Questions
What is the Florida 6-20 adjuster exam?
It is the Florida All-Lines Adjuster exam, the licensing exam the Florida Department of Financial Services (DFS) requires for the all-lines adjuster license, which covers every line of insurance except life and annuities. The same exam serves the resident 6-20 license and the nonresident 7-20 and 70-20 (designated home state) licenses. Pearson VUE delivers it at test centers.
How many questions are on the Florida all-lines adjuster exam and what score do you need?
The exam has 100 scored questions plus 10 unscored pretest questions, and you have 2 hours. The passing score is 70 percent, figured as the share of questions you answer correctly. A passing score is valid for one year, and you may take the same exam up to five times in a 12-month period. Each mock test here has 50 questions in the same proportions and uses 70 percent as its pass line.
What does the Florida 6-20 exam cover?
The content outline effective January 1, 2026 has seven parts: property and liability concepts, contracts and adjusting practices (14%), casualty and liability insurance including auto, Florida no-fault PIP, general liability and workers' compensation (28%), fire and allied lines including dwelling, homeowners, commercial property, flood and marine (28%), motor vehicle physical damage and mechanical breakdown (15%), health insurance (2%), residual markets such as Citizens (2%) and selected Florida statutes and rules (11%).
Do I have to take the Florida adjuster exam to get licensed?
Not always. Florida waives the exam for applicants who hold certain designations, including the AIC and CPCU and several other DFS-approved adjuster designations, and for some applicants moving to Florida with a comparable license held for at least a year. Check the current list with the Florida Department of Financial Services before you choose a route.
Are these the real Florida 6-20 exam questions?
No. Every question is original, written by Tigertest from the published content outline, the standard policy forms and current Florida law, such as the property claim handling statute, the PIP statute and the workers' compensation law. It is free practice, not affiliated with the Florida Department of Financial Services or Pearson VUE, and it does not replace an approved pre-licensing course.
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