- The exam has 100 scored questions plus 10 unscored pretest items, all in a 2-hour closed-book window.
- You need 70% to pass, and a pass stays valid for one year.
- Casualty/Liability and Fire and Allied Lines each carry 28% of the exam - over half your prep time belongs there.
- You get five attempts per exam type in any rolling 12 months, so plan retakes carefully.
Quick Facts Snapshot
Before diving into domain content, pin down the mechanics that trip up otherwise well-prepared candidates. The Florida 6-20 All-Lines Adjuster Exam (FL620) is administered on behalf of the Florida Department of Financial Services by Pearson VUE, and it's a closed-book test - no notes, no reference sheets, no phone in the testing room.
- Cost: $44 per attempt
- Format: 100 scored questions + 10 unscored pretest questions (you won't know which are which)
- Time limit: 2 hours
- Passing score: 70%
- Score validity: 1 year from the pass date
- Attempt limit: 5 attempts of the same exam type within a rolling 12-month period
For a full pricing breakdown, including how the $44 fee fits into total licensing costs, see the FL620 Certification Cost 2026 breakdown. If you want the raw numbers behind pass and fail rates, the FL620 Pass Rate 2026 data puts this cheat sheet in context.
Domain Weights at a Glance
Every FL620 question comes from one of seven domains, and the weighting is not close to even. Two domains alone make up more than half the exam. Memorize this table before you memorize anything else.
| Domain | Weight |
|---|---|
| 1. Property and Liability Insurance Concepts, Insurance Contracts, and Law and Adjusting Practices | 14% |
| 2. Casualty/Liability Insurance | 28% |
| 3. Fire and Allied Lines, Including Marine, Dwelling | 28% |
| 4. Motor Vehicle Physical Damage and Mechanical Breakdown Insurance | 15% |
| 5. Health Insurance | 2% |
| 6. Residual Markets | 2% |
| 7. Selected Florida Statutes and Rules | 11% |
A deeper walk-through of what's tested inside each of these seven areas lives in the FL620 Exam Domains 2026 complete guide. Use this cheat sheet for rapid review; use that one for first-pass learning.
What to Memorize in Each Domain
Because Casualty/Liability and Fire and Allied Lines are tied at 28% each, they should absorb roughly the same share of your final review time - together they're worth more than the other five domains combined.
Casualty/Liability Insurance (28%)
Expect scenario-based questions on liability theory, negligence standards, and how liability policies respond to claims.
- Elements of negligence and defenses to liability claims
- General liability policy structure and coverage triggers
- Claim investigation and settlement duties specific to liability lines
Fire and Allied Lines, Including Marine, Dwelling (28%)
This domain blends property coverage forms with adjusting practices for fire, dwelling, and marine losses.
- Dwelling and homeowners policy forms and exclusions
- Valuation methods for property losses (actual cash value vs. replacement cost)
- Marine and allied lines coverage basics as tested alongside fire policies
Motor Vehicle Physical Damage and Mechanical Breakdown Insurance (15%)
The third-largest domain covers auto physical damage claims and mechanical breakdown coverage terms.
- Physical damage coverage types (collision, comprehensive)
- Total loss calculations and settlement methods
- Mechanical breakdown insurance basics
Property and Liability Insurance Concepts, Insurance Contracts, and Law and Adjusting Practices (14%)
This is your foundational domain - the vocabulary and legal framework that every other domain builds on.
- Insurance contract elements and interpretation rules
- Adjuster duties, licensing law, and ethical practice standards
- Core insurance concepts: insurable interest, indemnity, subrogation
Selected Florida Statutes and Rules (11%)
State-specific statutes and administrative rules that govern adjuster conduct and claims handling in Florida.
- Unfair claims settlement practices under Florida law
- Licensing, appointment, and continuing education statutes
- Claim-handling timelines and disclosure requirements
Health Insurance & Residual Markets (2% each)
Combined, these two domains are worth just 4% of the exam - don't over-invest study hours here relative to the big two.
- Basic health insurance policy provisions
- Residual market mechanisms (assigned risk-style plans) and when they apply
Key Takeaway
If your practice-test scores are weak anywhere, check Casualty/Liability and Fire and Allied Lines first - a 5-point improvement there moves your overall score more than the same improvement in Health Insurance or Residual Markets ever could.
Registration and Retake Mechanics
The FL620 is scheduled and delivered through Pearson VUE. Each sitting costs $44, whether it's your first attempt or your fourth. Know these limits before you book:
- You may sit for the same exam type up to five times within any rolling 12-month period.
- A passing score is valid for one year - if you don't complete the appointment/licensing steps within that window, the score can lapse.
- The exam is closed-book, so no statute books, notes, or reference cards are allowed at the testing center.
For exact windows, blackout periods, and how to build a scheduling timeline around your target license date, see FL620 Exam Dates 2026: Testing Windows, Deadlines & Scheduling. And if you're still deciding whether 70% is a realistic target given your background, the FL620 Passing Score 2026 breakdown explains exactly how the scoring works.
Who Can Skip the Exam
Not everyone has to sit for the FL620. Florida allows certain candidates to bypass the state exam entirely based on background:
- Holders of specific approved designations
- Candidates who've completed qualifying insurance education coursework
- Holders of certain producer licenses that satisfy the requirement
- Certain license transfer situations from other states
If any of these might apply to you, check the full eligibility breakdown in FL620 Requirements 2026: Eligibility, Prerequisites & How to Qualify before you spend time or money registering for a test you may not need to take.
The Week-Before Review Plan
You don't need a twelve-week study plan for a cheat sheet - you need a tight final review. This is the one place we'll borrow a general study technique, and it's built specifically around FL620's domain weighting.
Casualty/Liability + Fire and Allied Lines
- Run timed practice sets on the two 28% domains back to back
- Flag any recurring wrong-answer pattern and re-read that specific policy concept
Motor Vehicle Physical Damage + Contracts/Law Basics
- Review total-loss settlement math and mechanical breakdown terms
- Re-drill insurance contract fundamentals from Domain 1
Florida Statutes + Small Domains
- Focus on unfair claims practices and licensing statutes
- Quick pass on Health Insurance and Residual Markets - light review only
Full Mixed Practice
- Take one full-length timed practice exam under real 2-hour conditions
- Review missed questions by domain, not just by right/wrong count
For the complete version of this approach with weekly milestones from day one of studying, read the FL620 Study Guide 2026: How to Pass on Your First Attempt. Running full-length timed sets on our practice test platform is the fastest way to simulate the actual 2-hour, 110-question format before test day.
Day-of-Exam Cheat Sheet
Print this section, or just re-read it the morning of your appointment:
- Arrive early - Pearson VUE check-in requires ID verification before you can start.
- Budget your time - 110 total questions (100 scored + 10 unscored, indistinguishable) in 2 hours is roughly 65 seconds per question. Don't stall on any single item.
- Answer everything - there's no way to know which questions are the unscored pretest ones, so treat every question as if it counts.
- Target domains for speed: Health Insurance and Residual Markets questions are typically shorter recall items - move through them quickly to bank time for Casualty/Liability and Fire and Allied Lines scenarios.
- No materials allowed - this is a closed-book exam; leave notes and reference materials in your car or locker.
Still unsure how the exam compares to other licensing tests in difficulty? The How Hard Is the FL620 Exam? Complete Difficulty Guide 2026 breaks down what makes this particular test challenging beyond raw content volume.
After You Pass
Passing is not the finish line - it's the start of the licensing clock. A few facts worth keeping on this cheat sheet:
- Your 6-20 license requires an appointment to stay active.
- The license expires after 48 months without an appointment.
- You'll need 24 CE hours every two years, including a specific 4-hour 5-620 Adjuster Law and Ethics Update course.
- Your passing exam score itself is only valid for one year, so don't delay the appointment step.
If you're weighing whether this license is worth the ongoing CE and appointment obligations relative to what it opens up career-wise, read Is the FL620 Certification Worth It? Complete ROI Analysis 2026 and the companion FL620 Salary Guide 2026: Complete Earnings Analysis. For a look at where licensed adjusters typically find work, see FL620 Jobs, and if you want structured coursework rather than self-study, browse FL620 Training options.
Key Takeaway
Passing the exam and keeping your license active are two separate systems - mark your appointment deadline and CE renewal date the same week you pass.
FAQ
There are 100 scored questions plus 10 unscored pretest questions, for 110 total, delivered in a 2-hour closed-book format.
You need 70% on the scored portion of the exam. The pretest questions don't count toward your score.
Casualty/Liability Insurance and Fire and Allied Lines each account for 28% of the exam - together they're more than half your score, so prioritize them over the 2% domains like Health Insurance and Residual Markets.
You're limited to five attempts of the same exam type within any rolling 12-month period, and each attempt costs the $44 exam fee.
No. Approved designations, qualifying insurance education, certain producer licenses, and specific transfer situations can exempt a candidate from the state exam requirement.
Keep this page bookmarked as your quick-reference sheet, but don't rely on memorization alone - running realistic timed sets on our FL620 practice test platform is what turns this cheat sheet into an actual passing score.