Florida Claims Adjuster Insurance Practice Test 2026
Practice the exam Florida uses, from general claims adjuster knowledge to Florida's own insurance law. Every answer quotes the statute behind it.
Casualty & Auto Physical Damage, Claims Investigation & Settlement Standards, Insurance Contract Principles and Property Loss Adjusting, plus Florida's own insurance law.
All lines 100, Public adjuster all lines 100 scored questions. The time limit and passing score are set by Florida; check the candidate handbook.
Last verified September 2026 · Insurance Examination Content Outlines
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Master each topic before your Florida exam. First 4 topics are free to start.
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About the Florida Claims Adjuster exam
The claims adjuster exam licenses you to investigate, evaluate and settle insurance claims. We currently cover Texas and Florida, the two states in our bank with adjuster-specific questions.
What it covers
- Claims investigation and settlement standards
- Property loss adjusting
- Casualty and auto physical damage claims
- Your state's adjuster licensing and ethics rules
Who takes it
Candidates for a state adjuster license, including catastrophe and independent adjusters.
What is on the Florida Claims Adjuster test
Florida's published content outline, with the weight it gives each topic. Which parts you take depends on the license you are applying for.
- Property and Liability Insurance Concepts, Insurance Contracts, and Law and Adjusting Practices14%
- Casualty/liability Insurance28%
- Fire and Allied Lines, Including Marine, Dwelling28%
- Motor Vehicle Physical Damage and Mechanical Breakdown Insurance15%
- Health Insurance2%
- Residual Markets2%
- Selected Florida Statutes and Rules11%
- General Property Insurance Product Knowledge25%
- Property Insurance Policies25%
- Motor Vehicle Physical Damage and Mechanical Breakdown Insurance2%
- Residual Markets2%
- Selected Florida Statutes and Rules15%
- Florida Laws and Regulations Pertinent to Public Adjusters31%
Source: Florida Insurance Examination Content Outlines, 'Effective January 1, 2026' (Pearson VUE #121003). Each exam is ONE weighted set expressed in PERCENT of the exam, running across a GENERAL KNOWLEDGE part and a FLORIDA STATUTES, RULES, AND REGULATIONS part whose area numbering RESTARTS at I; the statutes-part areas are coded FSRR.I, FSRR.II, ... to keep codes unique, and the general-knowledge codes are the outline's own. Same convention as taxonomy/life-health/fl.json. The document misspells that second part's header as 'FLORIDA STATUTES, RULES, AND REGUALTIONS' in the General Lines outline. Neither adjuster outline is split into a GENERAL KNOWLEDGE part and a statutes part: each is a single run of areas in which the Florida statutes areas are numbered in sequence with the rest, so no FSRR prefix is used here. The publisher's own titles are 'Florida Adjuster's All Lines Insurance' and 'Florida Public Adjuster's All Lines Insurance', and the section names follow them. (Florida Insurance Examination Content Outlines). Confirm current weights with the testing company before you book.
What to bring to the Florida exam
Florida official sources
- Administrative Code, Division 69Ochs. 69O-123 (Civil Remedy), 69O-124 (Anti-Coercion), 69O-125 (Unfair Discrimination), 69O-142 (Insurer Conduct), 69O-153 (Deceptive Insurance Practices), 69O-189 (Workers' Compensation), 69O-196 (Premium Finance Companies), 69O-215 (Agents), 69O-220 (Adjusters), 69O-228 (Continuing Education), 69O-230 (General Ethics and Disclosure Requirements) and 69O-231 (Penalty Guidelines for Insurance Representatives) (98 rules, 69O-123.001-69O-231.160) · Florida Department of State, Division of Library and Information Services (flrules.org) -- official Florida Administrative Code
- Administrative Code, Division 69O (Office of Insurance Regulation)chs. 69O-166 (Property and Casualty Insurer Practices), 69O-167 (Property and Casualty Insurance Contracts), 69O-170 (Property and Casualty Insurance Rating), 69O-175 (Motor Vehicle Insurance) and 69O-176 (Motor Vehicle Insurance Requirements), 87 of the 89 rules the publisher lists (the two omitted are 69O-170.021 and 69O-170.022, transferred stubs whose .doc file holds a title and nothing else) (87 rules, 69O-166.021-69O-176.022) · Florida Department of State, Division of Library and Information Services (flrules.org) -- official Florida Administrative Code
- Financial Responsibility, completeFlorida Statutes ch. 324, ss. 324.011-324.252 · The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes
- Workers' Compensation, completeFlorida Statutes ch. 440, ss. 440.01-440.60 · The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes
- Insurance Code: Administration and General Provisions, complete (Parts I-VI)Florida Statutes ch. 624, ss. 624.01-624.915 · The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes
- Insurance Field Representatives and Operations, complete (Parts I-XIII)Florida Statutes ch. 626, ss. 626.011-626.9958 · The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes
- Insurance Rates and Contracts, the health Parts (VI health insurance policies, VII group/blanket/franchise health, VIII Medicare supplement, XVIII long-term care)Florida Statutes ch. 627, ss. 627.601-627.9408 · The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes
- Insurance Rates and Contracts, the property, casualty, surety, premium-finance and risk-retention Parts (I, II, X, XI, XII, XV, XVI, XVII, XIX, XXII)Florida Statutes ch. 627, ss. 627.011-627.9913 · The Florida Senate / Florida Legislature (flsenate.gov), official Florida Statutes
All Florida insurance laws and exam sources
Provisions these questions cite most
Every answer quotes the provision it tests. These are the Florida provisions the questions on this page cite most often.
- Fla. Admin. Code R. 69B-220.20115 questions
- Fla. Stat. § 626.854 · Public Adjuster Defined; Prohibitions; Hours of Solicitation15 questions
- Fla. Stat. § 627.70131 · Insurer’s Duty to Acknowledge Communications; Content of the Acknowledgment13 questions
- Fla. Stat. § 627.736 · Required Personal Injury Protection Benefits; Exclusions; Priority; Claims12 questions
- Fla. Stat. § 634.121 · Forms; Assignment Period12 questions
- Fla. Admin. Code R. 69O-167.022 · Conditions under Which Marine and/or Transportation Policies May Cover; Imports10 questions
- Fla. Stat. § 624.605 · Casualty Insurance Defined; Credit Property Insurance, Form and Limits8 questions
- Fla. Stat. § 626.9743 · Claim Settlement Practices Relating to Motor Vehicle Insurance8 questions
Exam figures on this page were checked against official pages: Testing company · License fee. Confirm anything you rely on with the testing company and the Florida Department of Insurance.