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 FL-PA exam has 110 questions and runs 2 hours.
These 10 free FL-PA questions are organized by exam domain, so you can see how each part of the Florida 3-20 Public All-Lines Adjuster Exam blueprint is tested. Reveal the answer and explanation under each question.
A commercial building is worth $800,000 at the time of loss. Its policy has an 80 percent coinsurance clause, a $480,000 limit, and a $2,000 deductible. A covered fire causes $160,000 in damage. How much is payable after applying coinsurance and the deductible?
Correct answer: A - $118,000
A property policy excludes wear and mechanical breakdown but preserves ensuing loss caused by a covered peril unless that ensuing loss is otherwise excluded. A worn air-handler motor seizes, overheats, and starts a separate fire that burns kitchen cabinetry. Investigators can distinguish the failed motor from the fire damage. The most defensible adjustment is to:
Correct answer: C - Exclude the failed motor but evaluate the separate fire damage as a covered ensuing loss
A homeowner with an unendorsed HO-3 accidentally knocks over a bottle of permanent dye, staining a sofa. No fire, theft, water discharge, or other event contributes to the damage. Which coverage analysis is correct?
Correct answer: B - Not covered under Coverage C because the cause is not a listed peril
Unusually rapid accumulation of surface water spreads across 0.6 acres of normally dry land and inundates the insured dwelling plus two homes on separate adjacent properties. Under the National Flood Insurance Program definition, this event:
Correct answer: C - Is a flood because at least two properties are inundated and one is the insured property
A driver swerves to avoid a deer, never contacts the animal, and overturns in a ditch. The auto carries both collision and other-than-collision coverage. For Personal Auto Policy Part D purposes, the loss is classified as:
Correct answer: B - Collision, because overturning is an upset even without animal contact
Hours after a severe house fire, a policyholder is visibly shaking, disoriented, and repeatedly says she cannot understand the adjuster's questions. A recorded statement and discussion of a settlement release had been scheduled. The ethically required response is to:
Correct answer: D - Stop statement and settlement activity until the policyholder is no longer in serious distress
At a Florida DFS mediation of a homeowners claim on Monday, a policyholder signs a written settlement. The insurer issues a check for the disputed matters, and the policyholder deposits it on Tuesday. On Wednesday, still within three business days of mediation, the policyholder attempts to rescind. The attempted rescission:
Correct answer: D - Is ineffective because depositing the settlement check ended the rescission right
An insurer paid $70,000 on a nonemergency residential property claim before the insured retained a public adjuster. The adjuster then documented omitted damage and obtained an additional $30,000 payment. No part of either payment represents a deductible, attorney fees, or costs. What is the maximum compensation the adjuster may charge for the supplemental work?
Correct answer: C - $6,000, based only on the new $30,000 payment
During a residential property claim, an insurer gives 72 hours' notice of an onsite inspection. The public adjuster cannot attend for another six days, and waiting would delay the insurer's timely inspection. The proper response is to:
Correct answer: A - Permit reasonable access for the timely inspection without waiting for the public adjuster
A Governor-declared storm damages an insured residence on August 1, and the insured signs a public-adjuster contract on August 25. The insured sends written cancellation by a method providing proof of mailing on September 2. The cancellation is:
Correct answer: B - Timely because September 4 is the later statutory deadline
The FL-PA exam also covers these domains. Drill them in the full free practice test:
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