Florida 6-20 Adjuster Practice Test
FL 6-20 Adjuster Commercial Property & BOP Practice Questions
Commercial Property & BOP 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 the building and personal property coverage form, debris removal pays up to what share of the direct loss plus the deductible?
- A.50 percent
- B.25 percent
- C.5 percent
- D.10 percent
Answer: B. The debris removal additional coverage pays up to 25 percent of the direct physical loss plus the deductible, with an extra amount available above that.
2. A commercial building has been vacant for more than 60 straight days when a covered fire occurs. Under the commercial property conditions, the payment is:
- A.Paid in full
- B.Reduced by 50 percent
- C.Not made at all
- D.Reduced by 15 percent
Answer: D. The vacancy condition excludes vandalism, sprinkler leakage, glass breakage, water damage and theft after 60 days of vacancy and reduces payment for other covered losses by 15 percent.
3. A warehouse worth $800,000 at the time of loss is insured for $560,000 with an 80 percent coinsurance clause. A $100,000 loss with a $1,000 deductible is paid as:
- A.$86,500
- B.$69,000
- C.$87,500
- D.$99,000
Answer: A. Required insurance is 80 percent x $800,000 = $640,000. $560,000 / $640,000 = 0.875; 0.875 x $100,000 = $87,500, less the $1,000 deductible, is $86,500. $69,000 wrongly uses the full $800,000.
4. The special causes of loss form covers:
- A.Flood and earthquake too
- B.Fire and lightning only
- C.Any direct loss not excluded
- D.Only the perils it lists
Answer: C. The special form is open perils: it covers risks of direct physical loss unless excluded or limited. Flood and earthquake remain excluded unless endorsed.
5. Under the business income form's resumption of operations condition, the insurer will:
- A.Waive any waiting period
- B.Pay all wages for a year
- C.Reduce the loss the insured could avoid
- D.Pay double if the insured reopens early
Answer: C. The insured must resume operations in whole or part as soon as possible, and the insurer reduces the business income loss to the extent the insured could have resumed by using damaged or other property or stock.
6. Under the business income form, the period of restoration ends on the date the property:
- A.Should be repaired with due speed
- B.Passes a final city building inspection
- C.Gets a new paying tenant
- D.Is sold to a new owner
Answer: A. The period of restoration ends when the property should be repaired, rebuilt or replaced with reasonable speed and similar quality, or when business resumes elsewhere, whichever is earlier.
7. The extended business income provision pays for:
- A.Wages of laid-off workers
- B.Income lost before the loss
- C.Costs during a labor strike
- D.Lost income after reopening
Answer: D. Extended business income continues payments for a set number of days after the property is repaired and operations resume, while the business rebuilds its customer base.
8. Under the building and personal property coverage form, a newly acquired building is covered automatically for up to:
- A.90 days
- B.30 days
- C.14 days
- D.60 days
Answer: B. The coverage extension for newly acquired or constructed property ends after 30 days, when the policy expires, or when values are reported, whichever comes first.
9. Under the commercial property vacancy condition, a building under construction or renovation is:
- A.Excluded from coverage
- B.Not considered vacant
- C.Vacant after 30 days
- D.Vacant after 60 days
Answer: B. The commercial property conditions state that buildings under construction or renovation are not considered vacant, so the 60-day vacancy rules do not apply.
10. A businessowners policy is designed for:
- A.Auto dealers and repair garages
- B.Farms and ranches
- C.Large factory operations
- D.Small and midsize businesses
Answer: D. The BOP packages property, business income and liability for eligible small and midsize businesses such as offices, shops and apartment buildings.
Practice all 12 commercial property & bop 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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