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Florida Claims Adjuster Exam 2 | 206 Questions with 100% Correct Answers already passed 2023/2024/2025
- Exam (elaborations) • 26 pages • 2024
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Severability - CORRECT ANSWER Insurance applies separately to each insured as if 
other insureds did not exist. 
 Abandonment - CORRECT ANSWER Property insurance policies usually contain 
a(n) __________ clause, *stating the insured cannot dump damaged property on the 
insurer and demand its full value.* 
 Insurable Interest - CORRECT ANSWER One wherein economic loss would be 
suffered from an adverse happening to the subject. 
 Liberalization - CORRECT ANSWER States that if the insurer adop...
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XCEL Florida Insurance Exam questions and correct answers
- Exam (elaborations) • 16 pages • 2024
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XCEL Florida Insurance Exam questions and 
correct answers 
What is the name of the law that requires insurers to disclose information gathering 
practices and where the information is obtained - ANSWERS Fair Credit Reporting Act 
Which of these describe a participating insurance policy - ANSWERS Policy owners 
are entitled to receive dividends 
Who elects the governing body of a mutual insurance company - ANSWERS 
Policyholders 
Which of the following requires insurer to disclose when an ap...
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Florida Insurance Exam questions and answers 2024
- Exam (elaborations) • 12 pages • 2024
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Florida Insurance Exam questions 
and answers 2024 
The clause identifying which losses resulting from an accident or sickness are insured 
by the policy is called the: - ANSWERS Insuring clause 
K applies for a life insurance policy on herself and submits the initial premium with the 
application. She is given a receipt by the agent stating that coverage begins 
immediately if the application is approved. What kind of receipt was used? - ANSWERS 
Conditional 
A life insurance arrangement ...
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Florida Insurance Exam 100% questions and correct answers
- Exam (elaborations) • 9 pages • 2024
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Florida Insurance Exam 100% questions 
and correct answers 
Risk - ANSWERS the chance of financial loss 
Risk is NOT the loss itself, but the _________ of loss. - ANSWERS CHANCE 
Policy - ANSWERS a written contract for effecting insurance and includes Clauses, 
Riders, endorsements, and papers which are part of the contract 
Insurance - ANSWERS a contract where one undertakes to indemnify another or pay a 
specific amount determined on contingencies 
Binders - ANSWERS temporary insurance whic...
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Florida Insurance Exam (2-15) questions and answers 2024
- Exam (elaborations) • 11 pages • 2024
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Florida Insurance Exam (2-15) questions and 
answers 2024 
A Supplementary Medical Expense policy combines the benefits of what two types of 
plans? - ANSWERS Basic Medical and Major Medical 
Which of the following is not correct concerning Health Maintenance Organizations? - 
ANSWERS They mandate enrollment for groups of 25 or more. 
Which is not true concerning a Hospital Fixed-Rate plan? - ANSWERS Benefits are 
paid directly to the hospital 
When benefits are paid to a policyowner covered ...
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XCEL Florida Insurance Exam questions and correct answers
- Exam (elaborations) • 16 pages • 2024
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XCEL Florida Insurance Exam questions and 
correct answers 
What is the name of the law that requires insurers to disclose information gathering 
practices and where the information is obtained - ANSWERS Fair Credit Reporting Act 
Which of these describe a participating insurance policy - ANSWERS Policy owners 
are entitled to receive dividends 
Who elects the governing body of a mutual insurance company - ANSWERS 
Policyholders 
Which of the following requires insurer to disclose when an ap...
-
Florida Insurance Exam questions and answers 2024
- Exam (elaborations) • 12 pages • 2024
- Available in package deal
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- $12.49
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Florida Insurance Exam questions 
and answers 2024 
The clause identifying which losses resulting from an accident or sickness are insured 
by the policy is called the: - ANSWERS Insuring clause 
K applies for a life insurance policy on herself and submits the initial premium with the 
application. She is given a receipt by the agent stating that coverage begins 
immediately if the application is approved. What kind of receipt was used? - ANSWERS 
Conditional 
A life insurance arrangement ...
-
Florida Insurance Exam 100% questions and correct answers
- Exam (elaborations) • 9 pages • 2024
- Available in package deal
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- $11.99
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Florida Insurance Exam 100% questions 
and correct answers 
Risk - ANSWERS the chance of financial loss 
Risk is NOT the loss itself, but the _________ of loss. - ANSWERS CHANCE 
Policy - ANSWERS a written contract for effecting insurance and includes Clauses, 
Riders, endorsements, and papers which are part of the contract 
Insurance - ANSWERS a contract where one undertakes to indemnify another or pay a 
specific amount determined on contingencies 
Binders - ANSWERS temporary insurance whic...
-
Florida Insurance Exam (2-15) questions and answers 2024
- Exam (elaborations) • 11 pages • 2024
- Available in package deal
-
- $12.99
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Florida Insurance Exam (2-15) questions and 
answers 2024 
A Supplementary Medical Expense policy combines the benefits of what two types of 
plans? - ANSWERS Basic Medical and Major Medical 
Which of the following is not correct concerning Health Maintenance Organizations? - 
ANSWERS They mandate enrollment for groups of 25 or more. 
Which is not true concerning a Hospital Fixed-Rate plan? - ANSWERS Benefits are 
paid directly to the hospital 
When benefits are paid to a policyowner covered ...
-
Florida Claims Adjuster Exam | 206 Questions with 100% Correct Answers
- Exam (elaborations) • 33 pages • 2024
- Available in package deal
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Florida Claims Adjuster Exam | 206 Questions with 100% 
Correct Answers 
Frank owned a home that was destroyed by a hurricane. Both ABC and XYZ Banks 
were listed as additional interests on his homeowner policy. The insurance company will 
make a payment to: 
A. The first mortgagee, ABC 
B. The Insured 
C. Jointly to ABC and XYZ 
D. All listed interests - CORRECT ANSWER D. All listed interests 
Remember that the insurer is not responsible to know the degrees of interest. In the 
event of a ...
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