Florida 3-20 Public Adjusters State Exam |100% Correct Answers| #2024 Release
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Florida adjuster course
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Florida Adjuster Course
Florida 3-20 Public Adjusters State Exam
|100% Correct Answers| #2024 Release
"Insurer" has an obligation to pay covered loss, "insured" has no obligation *Ans*Unilateral
insurance contract
626.854 (10) (b) *Ans*A public adjuster may not charge, agree to, or accept from any source
...
Florida 3-20 Public Adjusters State Exam
|100% Correct Answers| #2024 Release
"Insurer" has an obligation to pay covered loss, "insured" has no obligation *Ans*✨Unilateral
insurance contract
626.854 (10) (b) *Ans*✨A public adjuster may not charge, agree to, or accept from any source
compensation, payment, commission, fee, or any other thing of value in excess of:
1. Ten percent of the amount of insurance claim payments made by the insurer for claims based on
events that are the subject of a declaration of a state of emergency by the Governor. This provision
applies to claims made during the year after the declaration of emergency. After that year, the
limitations in subparagraph 2. apply.
2. Twenty percent of the amount of insurance claim payments made by the insurer for claims that are
not based on events that are the subject of a declaration of a state of emergency by the Governor.
626.854 (10) (c) *Ans*✨Insurance claim payments made by the insurer do not include policy
deductibles, and public adjuster compensation may not be based on the deductible portion of a claim.
626.854 (10) (d) *Ans*✨Any maneuver, shift, or device through which the limits on compensation set
forth in this subsection are exceeded is a violation of this chapter punishable as provided under s.
626.8698.
626.854 (10)(A) *Ans*✨If a public adjuster enters into a contract with an insured or claimant to
reopen a claim or file a supplemental claim that seeks additional payments for a claim that has been
previously paid in part or in full or settled by the insurer, the public adjuster may not charge, agree to, or
accept from any source compensation, payment, commission, fee, or any other thing of value based on
a previous settlement or previous claim payments by the insurer for the same cause of loss. The charge,
compensation, payment, commission, fee, or any other thing of value must be based only on the claim
payments or settlement obtained through the work of the public adjuster after entering into the
contract with the insured or claimant. Compensation for the reopened or supplemental claim may not
exceed 20 percent of the reopened or supplemental claim payment. In no event shall the contracts
described in this paragraph exceed the limitations in paragraph (b).
626.854 (11) *Ans*✨Each public adjuster must provide to the claimant or insured a written estimate
of the loss to assist in the submission of a proof of loss or any other claim for payment of insurance
, proceeds. The public adjuster shall retain such written estimate for at least 5 years and shall make the
estimate available to the claimant or insured, the insurer, and the department upon request.
626.854 (13) *Ans*✨A company employee adjuster, independent adjuster, attorney, investigator, or
other persons acting on behalf of an insurer that needs access to an insured or claimant or to the
insured property that is the subject of a claim must provide at least 48 hours' notice to the insured or
claimant, public adjuster, or legal representative before scheduling a meeting with the claimant or an
onsite inspection of the insured property. The insured or claimant may deny access to the property if the
notice has not been provided. The insured or claimant may waive the 48-hour notice.
626.854 (14) *Ans*✨The public adjuster must ensure that prompt notice is given of the claim to the
insurer, the public adjuster's contract is provided to the insurer, the property is available for inspection
of the loss or damage by the insurer, and the insurer is given an opportunity to interview the insured
directly about the loss and claim. The insurer must be allowed to obtain necessary information to
investigate and respond to the claim.
626.854 (14) (a) *Ans*✨The insurer may not exclude the public adjuster from its in-person meetings
with the insured. The insurer shall meet or communicate with the public adjuster in an effort to reach
agreement as to the scope of the covered loss under the insurance policy. The public adjuster shall meet
or communicate with the insurer in an effort to reach agreement as to the scope of the covered loss
under the insurance policy. This section does not impair the terms and conditions of the insurance policy
in effect at the time the claim is filed.
626.854 (14) (b) *Ans*✨A public adjuster may not restrict or prevent an insurer, company employee
adjuster, independent adjuster, attorney, investigator, or other person acting on behalf of the insurer
from having reasonable access at reasonable times to any insured or claimant or to the insured property
that is the subject of a claim.
626.854 (14) (c) *Ans*✨A public adjuster may not act or fail to reasonably act in any manner that
obstructs or prevents an insurer or insurer's adjuster from timely conducting an inspection of any part of
the insured property for which there is a claim for loss or damage. The public adjuster representing the
insureds may be present for the insurer's inspection, but if the unavailability of the public adjuster
otherwise delays the insurer's timely inspection of the property, the public adjuster or the insureds must
allow the insurer to have access to the property without the participation or presence of the public
adjuster or insureds in order to facilitate the insurer's prompt inspection of the loss or damage.
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