Florida 6-20 Adjuster Practice Test

FL 6-20 Adjuster Homeowners, Dwelling & Hurricane Rules Practice Questions

Homeowners, Dwelling & Hurricane Rules makes up 6 of every 50 questions on a Tigertest FL 6-20 Adjuster practice test. Here are 10 of the 24 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. Which dwelling form adds burglary damage, falling objects and weight of ice or snow to the basic perils, on a named-perils basis?

   • A.HO-4 contents form
   • B.DP-2 broad form
   • C.DP-1 basic form
   • D.DP-3 special form

   Answer: B. The DP-2 broad form adds perils such as damage by burglars, falling objects, weight of ice, snow or sleet, and accidental discharge of water. The DP-3 covers the dwelling on an open-perils basis.

2. 2. Unlike the DP-2 and DP-3, the basic DP-1 dwelling form settles losses at:

   • A.Agreed value
   • B.Market value
   • C.Replacement cost
   • D.Actual cash value

   Answer: D. The DP-1 pays actual cash value. The DP-2 and DP-3 pay replacement cost on the dwelling when the insurance-to-value condition is met.

3. 3. When a Florida insurer applies a separate roof deductible, it may limit the roof payment to actual cash value until the policyholder:

   • A.Shows proof of paying the deductible
   • B.Replaces the entire roof first
   • C.Signs a full release of the claim
   • D.Gets a second estimate for the roof

   Answer: A. s. 627.7011(3)(a) lets the insurer hold the roof payment at ACV until it receives reasonable proof that the roof deductible was paid, such as a canceled check or a financing contract.

4. 4. Dwelling forms carry no liability coverage, so an owner who wants it typically adds:

   • A.A scheduled personal floater
   • B.Extended coverage perils
   • C.A personal liability supplement
   • D.Fair rental value coverage

   Answer: C. Dwelling policies are property-only. Personal liability and medical payments to others come from a separate personal liability supplement or policy.

5. 5. The HO-8 modified coverage form is designed for:

   • A.Condominium unit owners
   • B.Tenants in apartments
   • C.Older homes costly to rebuild
   • D.New homes in flood zones

   Answer: C. The HO-8 suits older homes whose replacement cost far exceeds market value; it settles at a modified actual cash value and repairs with common construction materials.

6. 6. An HO-6 policy is written for:

   • A.A condominium unit owner
   • B.A landlord of a duplex
   • C.A tenant in a rented house
   • D.A mobile home owner

   Answer: A. The HO-6 covers the unit owner's personal property, improvements and the portion of the unit the owner must insure. Tenants use the HO-4.

7. 7. Florida requires a personal lines residential insurer to offer a $500 deductible for losses from:

   • A.Flood and storm surge
   • B.Hurricane losses only
   • C.Sinkhole and ground collapse only
   • D.Perils other than hurricane

   Answer: D. s. 627.701(7) requires the insurer to offer a $500 deductible for losses from perils other than hurricane and to notify the policyholder of it at least once every 3 years.

8. 8. An HO-3 dwelling insured for less than 80 percent of its replacement cost is paid the greater of actual cash value or:

   • A.The home's current fair market value
   • B.A proportion of replacement cost
   • C.The full replacement cost
   • D.Half of the repair cost

   Answer: B. Under the loss settlement condition, if the limit is under 80 percent of replacement cost, the insurer pays the larger of ACV or limit divided by 80 percent of replacement cost times the loss.

9. 9. A home's replacement cost is $360,000 and it is insured for $240,000 on an HO-3. A kitchen loss costs $36,000 to replace and has an actual cash value of $27,000. Ignoring the deductible, the insurer pays:

   • A.$24,000
   • B.$30,000
   • C.$27,000
   • D.$36,000

   Answer: B. 80 percent of $360,000 is $288,000. $240,000 / $288,000 x $36,000 = $30,000, which is more than the $27,000 ACV, so $30,000 is paid. $24,000 wrongly divides by the full $360,000.

10. 10. A Florida home has a $350,000 dwelling limit and a 2 percent hurricane deductible. On a hurricane loss, the deductible is:

    • A.$3,500
    • B.$14,000
    • C.$700
    • D.$7,000

    Answer: D. A percentage hurricane deductible is figured on the dwelling limit, not the loss: 2 percent x $350,000 = $7,000. $3,500 uses 1 percent and $14,000 uses 4 percent.