Florida 6-20 Adjuster Practice Test
FL 6-20 Adjuster Adjusting Practices & Settlements Practice Questions
Adjusting Practices & Settlements makes up 3 of every 50 questions on a Tigertest FL 6-20 Adjuster practice test. Here are 10 of the 12 questions on it, each with the answer and the reason.
Updated by the Tigertest team. Based on the Florida all-lines adjuster content outline effective January 2026. Original questions; 50 per test, weighted like the real 100-question exam. Not affiliated with the Florida Department of Financial Services or Pearson VUE.
1. Under Florida law, a residential property insurer that receives proof-of-loss statements must begin its investigation within:
- A.3 business days
- B.7 days
- C.14 days
- D.30 days
Answer: B. s. 627.70131(3)(a) requires the insurer to begin the investigation reasonably necessary within 7 days after it receives the proof-of-loss statements, unless factors beyond its control prevent it.
2. If a Florida residential claim needs a physical inspection, the insurer must inspect within how long after receiving the proof-of-loss statements?
- A.45 days
- B.60 days
- C.10 days
- D.30 days
Answer: D. s. 627.70131(3)(b) requires any physical inspection of the property within 30 days after the insurer receives the proof-of-loss statements.
3. An adjuster physically inspecting a Florida home on a residential claim must give the policyholder a document with the adjuster's:
- A.Name and state license number
- B.Estimate of the final payment
- C.Employer's federal tax number
- D.Home address and date of birth
Answer: A. s. 627.70131(3)(b) and (c) require the assigned licensed adjuster to give his or her name and state adjuster license number, and to repeat them in later claim communications.
4. A Florida residential insurer's adjuster generates a detailed estimate of the loss. The insurer must send the policyholder a copy within:
- A.14 days
- B.30 days
- C.7 days
- D.3 days
Answer: C. s. 627.70131(3)(e) requires the insurer to send a copy of any detailed estimate within 7 days after its adjuster generates it.
5. A Florida residential insurer asks for material claim information, and the policyholder takes three weeks to send it. The insurer's pay-or-deny deadline is:
- A.Cancelled, closing the claim
- B.Unchanged by the delay
- C.Tolled until it is received
- D.Extended by a flat 90 days
Answer: C. Under s. 627.70131(8)(b), if the policyholder fails to provide requested material information within 10 days, the deadlines are tolled until the insurer receives it, provided the request went out at least 15 days before the deadline.
6. When a Florida residential insurer makes a payment that is not the final payment, the notice with it must say:
- A.More payments may follow
- B.Suit must start in a year
- C.Mediation is now closed
- D.The claim is now closed
Answer: A. s. 627.70131(6)(b) requires a bold uppercase statement that the insurer is continuing to evaluate the claim and may issue additional payments.
7. A Florida insurer may investigate a residential property loss without sending anyone to the home by using:
- A.The prior year's appraisal
- B.The agent's original sales notes
- C.A neighbor's written report
- D.Photos, video or drone footage
Answer: D. s. 627.70131(3)(d) lets an insurer investigate by electronic methods that give clear color pictures or video, including video calls and drones, and it may still send an adjuster.
8. A reservation of rights letter lets an insurer:
- A.Recover all its costs from the insured
- B.Investigate without waiving defenses
- C.Deny a claim with no review
- D.Cancel the policy mid-term
Answer: B. A reservation of rights is the insurer's one-sided notice that it is handling the claim while keeping its right to deny coverage later. A nonwaiver agreement does the same but is signed by both parties.
9. A claimant who signs a general release in exchange for payment:
- A.Must repay if costs fall
- B.Gives up all claims from the event
- C.Keeps the right to sue later
- D.Settles only the medical bills owed
Answer: B. A general release ends all present and future claims arising from the incident. A partial release settles only part, such as property damage.
10. A structured settlement pays an injured claimant:
- A.Only medical bills directly
- B.A share of the premium
- C.One lump sum on signing
- D.Periodic payments over time
Answer: D. A structured settlement, often funded by an annuity, spreads payments over years, which suits large injury claims and minors.
Practice all 12 adjusting practices & settlements questions, and the rest of the 200-question bank, in the free FL 6-20 Adjuster training sets. Questions you miss come back until you have mastered them.
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