What's on the Florida all-lines adjuster exam

The format

Questions

100 scored, plus 10 pretest. [Florida outline p.23]

Time

2 hours. [Florida outline p.23]

Passing score

70%, computed by dividing the number of questions you answered correctly by the total number of examination questions. [Florida handbook p.14]

Outline in effect

January 1, 2026. [Florida outline p.23]

Pretest questions are mixed in with the scored ones and are not identified, and your answers to them do not affect your score. [Florida handbook p.14]

The seven sections

[Florida outline p.23] [Florida outline p.24]

Study by area

I. Concepts, contracts and adjusting practices (14%)

Contracts in general; property and liability insurance (contract elements, policy conditions, risk, property and liability concepts, insurance contracts and the law); adjusting practices (the adjuster’s responsibilities, the insurer’s claims handling goals, basic claims handling activities, settlement and release options, property and liability adjusting practices); and the types of insurers: surplus lines, reciprocal exchanges, admitted insurers and the residual market. The outline points the property adjusting practices to Florida Statutes 627.70131. [Florida outline p.23]

II. Casualty and liability (28%)

Automobile liability (supplementary payments, limits, the Personal Auto Policy and its endorsements); uninsured motorists; Florida automobile no-fault (PIP); the business auto policy and garage insurance; general liability (the declarations, common policy conditions, Coverages A, B and C, supplementary payments); excess and umbrella liability; professional liability and employment-related practices liability; homeowners liability; farm liability; boiler and machinery; crime and surety; and workers’ compensation, both the law and the policy. [Florida outline p.23]

III. Fire and allied lines (28%)

Dwelling policies (DP-1, DP-2, DP-3); homeowners insurance (HO-2, 3, 4, 5, 6 and 8, with limits, additional coverages, perils insured against, exclusions, conditions and endorsements); the commercial property policy; flood insurance, including the National Flood Insurance Program; the businessowners policy; inland marine; ocean marine (hull, cargo, freight and liability coverage, perils and clauses); and aviation. [Florida outline p.23] [Florida outline p.24]

IV. Motor vehicle physical damage and mechanical breakdown (15%)

Part D of the Personal Auto Policy and its endorsements; the business auto policy (covered autos and physical damage); garage insurance, including garagekeepers; and mechanical breakdown (exclusions, deductible, policy term and territory, conditions). [Florida outline p.24]

V and VI. Health and residual markets (2% each)

Health: general policy provisions, types of policies, HMOs and PPOs, disability and Medicare Supplement. Residual markets: the Florida Automobile Joint Underwriting Association, Citizens Property Insurance Corporation (the outline cites Florida Statutes 627.351) and the Florida Workers Compensation Joint Underwriting Association. [Florida outline p.24]

VII. Florida statutes and rules (11%)

The outline groups it in four parts: [Florida outline p.24]

• Adjuster licensing requirements: transacting insurance, the civil remedy, continuing education, expiration of the license and appointment, notice of a change of address or name, and refusal, suspension or revocation of a license.
• Conduct of an adjuster: dismantling or change of identity of a motor vehicle or mobile home and salvage, unfair methods of competition and unfair or deceptive acts or practices, comprehensive coverage, mediation of claims, misrepresentation of policy provisions, failure to acknowledge, response to Department inquiries, insurer anti-fraud efforts, and adjuster identification.
• Ethical requirements: violations and the code of ethics.
• The Florida Insurance Guaranty Association (FIGA).

Three rules from this section, straight from the statutes: an all-lines license qualifies you to adjust all lines of insurance except life and annuities. [Fla. Stat. §626.869] A licensee must notify the department in writing within 30 days after a change of name, address, phone numbers or e-mail. [Fla. Stat. §626.551] And every licensee, except a title insurance agent, must complete a 4-hour update course every 2 years that is specific to the license held. [Fla. Stat. §626.2815]

How to study

Use the outline as a checklist and read the statutes it cites. The free Florida practice test gives every answer with its source. The handbook says all Florida-specific questions come from state-approved study materials and the Florida Statutes, and that where a study manual and the outline disagree, the outline takes precedence. [Florida handbook p.16]