Florida 6-20 Adjuster Practice Test

FL 6-20 Adjuster Florida Adjuster Licensing Practice Questions

Florida Adjuster Licensing 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 2026-11-10 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. 1. A Florida all-lines adjuster license allows the holder to adjust every line of insurance except:

   • A.Health insurance
   • B.Life and annuities
   • C.Workers' compensation
   • D.Ocean marine

   Answer: B. s. 626.869(1) states that an all-lines adjuster license qualifies the licensee to adjust all lines of insurance except life and annuities.

2. 2. Under Florida law, an independent adjuster is an all-lines adjuster who is self-appointed or appointed by:

   • A.The policyholder directly
   • B.The Department itself
   • C.One insurer's claims staff
   • D.An independent adjusting firm

   Answer: D. s. 626.855 defines an independent adjuster as an all-lines adjuster self-appointed or appointed and employed by an independent adjusting firm or another independent adjuster, working on behalf of an insurer.

3. 3. Under Florida law, a company employee adjuster is appointed and employed on the staff of:

   • A.An insurer or its subsidiary
   • B.The Department itself
   • C.A public adjusting firm
   • D.An independent adjusting firm

   Answer: A. s. 626.856 defines a company employee adjuster as one on an insurer's staff of adjusters or a wholly owned subsidiary's, adjusting for that insurer or insurers under common control.

4. 4. Under Florida law, a person licensed as a public adjuster:

   • A.Must be a member of the Bar
   • B.Needs no appointment to work
   • C.May not also hold an all-lines license
   • D.May also act as a company employee adjuster

   Answer: C. s. 626.876(1) bars a public adjuster from being licensed as an all-lines adjuster at the same time.

5. 5. A Florida all-lines adjuster appointed as an independent adjuster may at the same time be appointed as:

   • A.A public adjuster apprentice
   • B.A company and a public adjuster
   • C.No other adjuster type
   • D.A company employee adjuster

   Answer: C. s. 626.876(2) bars an all-lines adjuster appointed as independent, company employee or public adjuster apprentice from being appointed as an adjuster requiring a different appointment type at the same time.

6. 6. Florida's Insurance Adjusters Law does not apply to a person who adjusts only:

   • A.Crop hail claims
   • B.Flood claims
   • C.Workers' comp claims
   • D.Auto glass claims

   Answer: A. s. 626.852(6) excludes persons who adjust only multiple-peril crop insurance or crop hail claims; the law also does not apply to life insurance or annuity contracts.

7. 7. After a catastrophe, Florida may issue an emergency adjuster license to a person designated and certified as qualified by:

   • A.The affected policyholder
   • B.The county emergency office
   • C.A licensed contractor
   • D.An authorized insurer

   Answer: D. s. 626.874(1) allows emergency licenses for persons certified by an authorized insurer, or by a licensed independent adjusting firm contracted with one.

8. 8. An appointed Florida independent adjuster must keep the records of a claim for at least:

   • A.10 years after the adjustment
   • B.5 years after the adjustment
   • C.3 years after the adjustment
   • D.1 year after the adjustment

   Answer: B. s. 626.875(2) requires claim records to be retained in the adjuster's place of business for not less than 5 years after the adjustment is completed.

9. 9. A Florida adjuster working away from the office, where the license cannot be posted, must:

   • A.Notify DFS of each trip
   • B.Carry the license in person
   • C.Post a copy on social media
   • D.Leave it with the insurer

   Answer: B. s. 626.875(1)(b) requires the license to be posted at the principal place of business, or carried in the licensee's actual possession when working elsewhere.

10. 10. A Florida adjuster whose license has been suspended may not:

    • A.Work outside insurance
    • B.Keep earlier claim files
    • C.Study insurance law
    • D.Take any part in a claim

    Answer: D. s. 626.878(3) bars a suspended or revoked adjuster from any part of the claims process, including estimating, appraising, mediating, umpiring and negotiating; doing so is acting as an unlicensed adjuster.