10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
The FL620 exam has 110 questions and runs 2 hours.
These 10 free FL620 questions are organized by exam domain, so you can see how each part of the Florida 6-20 All-Lines Adjuster Exam blueprint is tested. Reveal the answer and explanation under each question.
A commercial property policy excludes water that backs up through a sewer, but an attached endorsement adds $25,000 of sewer-backup coverage subject to a $2,500 deductible. A backup causes $18,000 in direct property damage. How should the adjuster read the two provisions together?
Correct answer: C - The endorsement modifies the exclusion, so the loss is covered subject to its terms
An office building has a replacement value of $800,000 and an 80% coinsurance requirement. The insured carries a $480,000 limit. A covered fire causes $160,000 in damage, and the deductible is $2,000. Assuming no other provision changes the result, how much is payable?
Correct answer: A - $118,000
During first contact after a storm, an insured reports water entering through a damaged roof and electrical arcing from a wet ceiling fixture. No emergency responders are present. What is the adjuster's most appropriate immediate direction?
Correct answer: D - Keep people away, contact emergency services or the utility, and begin mitigation only after the area is safe
A Florida PIP claimant received initial treatment within 14 days. No authorized provider made an emergency medical condition determination. The claimant has $4,000 in new covered medical expenses, and the insurer has already paid $1,600 in medical benefits from the same accident. No deductible applies. What additional medical benefit is payable?
Correct answer: B - $900
An insured is injured by a driver who is legally at fault and has no bodily-injury liability coverage. The insured has exhausted applicable PIP benefits and seeks compensation for remaining covered bodily-injury damages. Which coverage is designed to respond?
Correct answer: A - Uninsured Motorists coverage
A building owner changes the locks and removes a tenant's property without lawful process. The tenant sues for wrongful eviction. Under a standard Commercial General Liability policy, which coverage part is the most direct source of potential coverage?
Correct answer: C - Coverage B - Personal and Advertising Injury Liability
A company's Business Auto Policy shows liability symbol 8 only. An employee causes an accident while using her personally owned car on a sales call, and the company is sued for vicarious liability. What is the coverage consequence under the BAP?
Correct answer: D - Symbol 8 covers hired autos; symbol 9 is needed for this nonowned-auto exposure
A Florida worker reaches maximum medical improvement with a 13% impairment rating. The applicable schedule awards 2 weeks per percentage point for ratings from 1% through 10% and 3 weeks per point for ratings from 11% through 15%. How many weeks of impairment income benefits are scheduled?
Correct answer: B - 29 weeks
An eligible owner-occupant wants open-peril coverage on both the dwelling and personal property, subject to the policy's exclusions. Which standard homeowners form best matches that request?
Correct answer: B - HO-5 Comprehensive Form
A DP-3 investigation finds that defective electrical workmanship caused wiring to overheat and ignite a fire. The policy excludes defective workmanship but contains standard ensuing-loss language, and fire is not otherwise excluded. How should the adjuster separate the excluded cause from the ensuing loss?
Correct answer: D - The defective wiring remains excluded, but the resulting fire damage may be covered
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