Florida 6-20 Adjuster Practice Test
FL 6-20 Adjuster Florida Adjuster Conduct & Ethics Practice Questions
Florida Adjuster Conduct & Ethics 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's adjuster code of ethics, an adjuster may negotiate with a third-party claimant known to have a lawyer only:
- A.By writing to the claimant
- B.With the lawyer's consent
- C.After 30 days have passed
- D.If the claim is a small one
Answer: B. Rule 69B-220.201(3)(g), F.A.C., bars negotiating or settling directly with a represented third-party claimant without the attorney's consent. The insured and resident relatives are not third-party claimants.
2. A Florida adjuster tells a claimant there is no need to hire a lawyer or a public adjuster. This:
- A.Is required by the insurer
- B.Is fine on small claims
- C.Is allowed if it is true
- D.Violates the code of ethics
Answer: D. Rule 69B-220.201(3)(h), F.A.C., bars advising a claimant against seeking legal advice or retaining counsel or a public adjuster.
3. Under Florida's code of ethics, an adjuster may not take a statement from a claimant who is:
- A.In shock after the loss
- B.A policyholder for decades
- C.Helped by a family member
- D.Using an interpreter
Answer: A. Rule 69B-220.201(3)(i), F.A.C., bars negotiating with or taking a statement from a claimant or witness who is, or would reasonably be expected to be, in shock or serious distress from the loss.
4. On a Florida residential claim, an adjuster who changes an earlier detailed estimate must:
- A.Wait 30 days before sending it
- B.Delete the earlier estimate
- C.Explain the reason for each change
- D.Get the insured to sign it in advance
Answer: C. Rule 69B-220.201(3)(m), F.A.C., requires an explanation for any change to a prior detailed estimate and keeping the documents that support it.
5. Florida's code of ethics bars an adjuster from steering a claimant to a repair firm in which the adjuster has:
- A.A record of good repair work
- B.An office very close to the loss site
- C.An undisclosed financial interest
- D.A valid state contractor license
Answer: C. Rule 69B-220.201(3)(a), F.A.C., bars referring or steering a claimant to a person in whom the adjuster has an undisclosed financial interest or from whom the adjuster expects compensation.
6. Under Florida's unfair claim settlement practices law, on the insured's written request the insurer must affirm or deny coverage within 30 days after:
- A.Proof of loss is completed
- B.An adjuster is assigned
- C.The policy next renews
- D.The loss first occurs
Answer: A. s. 626.9541(1)(i)3.e. makes it an unfair practice to fail to affirm or deny coverage, or state that the claim is being investigated, within 30 days after proof-of-loss statements are completed.
7. Florida's Department of Financial Services property mediation program is available to resolve:
- A.Workers' compensation claims
- B.Private passenger auto collision claims
- C.Liability coverage disputes
- D.Residential property claim disputes
Answer: D. s. 627.7015 covers personal lines and commercial residential property claims; it does not apply to commercial coverages, private passenger auto or liability disputes.
8. After a written settlement is reached at Florida DFS property mediation, the policyholder may rescind it within:
- A.30 days
- B.3 business days
- C.10 business days
- D.24 hours
Answer: B. s. 627.7015(6)(a) gives the policyholder 3 business days to rescind, unless the policyholder has cashed or deposited the settlement check.
9. Apart from rescheduling fees, who pays for a Florida DFS property mediation conference?
- A.The Department
- B.The insurer
- C.The policyholder
- D.Both, split equally
Answer: B. s. 627.7015(3) requires the insurer to bear all costs of conducting mediation, except a policyholder who fails to appear pays for the rescheduled conference.
10. Before suing over a Florida property insurance claim, the claimant must give written notice of intent to litigate at least:
- A.60 days before suit
- B.5 business days before suit
- C.30 days before suit
- D.10 business days before suit
Answer: D. s. 627.70152(3) requires a notice of intent to initiate litigation, filed through the department, at least 10 business days before filing suit and not before the insurer has made a coverage decision.
Practice all 12 florida adjuster conduct & ethics 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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