Florida 6-20 Adjuster Practice Test
FL 6-20 Adjuster Flood Insurance Practice Questions
Flood Insurance makes up 2 of every 50 questions on a Tigertest FL 6-20 Adjuster practice test. Here are 8 of the 8 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 Standard Flood Insurance Policy, the insured must send a signed proof of loss within how many days after the loss?
- A.1 year
- B.60 days
- C.30 days
- D.90 days
Answer: B. The Standard Flood Insurance Policy requires a signed and sworn proof of loss within 60 days after the loss, unless FEMA extends the deadline.
2. Which property is excluded under the Standard Flood Insurance Policy dwelling form?
- A.Drywall in a living room
- B.Built-in kitchen cabinets
- C.A furnace in the basement
- D.A car parked in the garage
Answer: D. Self-propelled vehicles are not covered property under the flood policy; a car's flood damage is an auto comprehensive loss.
3. Under the NFIP, a single-family principal residence building claim is paid at replacement cost if the building is insured for at least:
- A.80 percent of replacement cost
- B.90 percent of replacement cost
- C.100 percent of replacement cost
- D.50 percent of replacement cost
Answer: A. The dwelling form pays replacement cost for a single-family principal residence insured to at least 80 percent of its replacement cost or the program maximum; otherwise it pays the greater of ACV or a proportion.
4. An NFIP policyholder who disputes a claim decision and wants to sue must file in:
- A.County court
- B.Small claims court
- C.Federal court
- D.State circuit court
Answer: C. Suits on Standard Flood Insurance Policy claims must be brought in the United States District Court for the district where the property is, within one year of the written denial.
5. Under Florida law, a homeowner may buy flood coverage from:
- A.Only Citizens Property
- B.Only surplus lines carriers in Florida
- C.Private insurers as well as NFIP
- D.Only the federal NFIP
Answer: C. s. 627.715 sets rules for private flood insurance written by authorized and eligible surplus lines insurers, alongside the NFIP.
6. NFIP building coverage in a basement is limited mainly to:
- A.Utilities and listed equipment
- B.Furniture and carpeting
- C.No property at all
- D.All finished walls and floors
Answer: A. The Standard Flood Insurance Policy covers only listed items below the lowest elevated floor, such as furnaces, water heaters, electrical panels and drywall that is not finished living space.
7. Increased Cost of Compliance coverage on an NFIP policy helps pay to:
- A.Replace a car damaged by water
- B.Pump water out of a basement
- C.Rent a hotel during repairs
- D.Elevate or floodproof the building
Answer: D. Increased Cost of Compliance pays to bring a substantially or repetitively damaged building into compliance with floodplain rules, such as elevation, floodproofing, relocation or demolition.
8. Damage to a Florida home from hurricane storm surge is covered by:
- A.Fair rental value cover
- B.A flood insurance policy
- C.The HO-3 windstorm peril
- D.The hurricane deductible
Answer: B. Homeowners policies exclude flood, including storm surge, even when hurricane winds cause it; Florida requires homeowners policies without flood cover to say so on the declarations page (s. 627.7011(4)(b)).
Practice all 8 flood insurance 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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