The Florida 6-20 All-Lines Adjuster Examination is 100 scored multiple-choice questions, closed book, with a 2-hour limit and a 70% passing score. Items test precise recall of Florida statutes and numbers, not general insurance intuition. Below you'll see original sample questions with answers and explanations, learn how the items are built, and understand why practicing with explanations — not memorizing answers — is what gets you to a passing score.
What the exam questions look like
The Florida 6-20 All-Lines Adjuster Examination is delivered by Pearson VUE for the Florida Department of Financial Services (DFS). Every question is multiple choice with four options (A through D) and exactly one correct answer — no penalty for guessing, no essays, just 100 scored items plus a handful of unscored pretest questions, all closed book within a 2-hour window.
Most questions take one of three shapes:
- Definition and recall — "What is the minimum Property Damage Liability limit required in Florida?" These reward knowing exact numbers and statutory terms.
- Scenario application — a short fact pattern about a claim or a policyholder, ending in "what should the adjuster do?" These test whether you can apply a rule, not just recite it.
- Calculation — you apply a coverage limit or a percentage (for example, the PIP medical or lost-wage share) to figure out what is actually payable.
The questions you'll see here are original practice items written by us to mirror that style and difficulty — not leaked or real exam questions. For the full format breakdown, see the 6-20 exam overview.
Sample questions with answers and explanations
Here are four original practice questions in the same format you'll use throughout the quiz. Try to answer before you read the explanation.
1. Florida auto (PIP / no-fault). Under Florida's Personal Injury Protection (PIP) coverage, what is the standard limit and how much of medical expenses does it pay?
- A. $5,000 limit, 100% of medical
- B. $10,000 limit, 80% of medical
- C. $10,000 limit, 100% of medical
- D. $25,000 limit, 60% of medical
Answer: B. Florida PIP provides a $10,000 limit and pays 80% of reasonable medical expenses (and 60% of lost wages), with a separate $5,000 death benefit.
2. Florida property (Valued Policy Law). A dwelling insured for $300,000 is a total loss from a covered fire. Under Florida's Valued Policy Law, how much does the insurer owe for the building?
- A. The actual cash value at the time of loss
- B. The replacement cost minus depreciation
- C. The full $300,000 policy face amount
- D. 80% of the policy face amount
Answer: C. Florida's Valued Policy Law requires the insurer to pay the full face amount of the policy on a total loss of the building from a covered peril, regardless of actual cash value.
3. PIP — the 14-day rule. To be eligible for PIP medical benefits after a covered auto accident, an injured person must seek initial medical treatment within how many days?
- A. 7 days
- B. 14 days
- C. 30 days
- D. 60 days
Answer: B. Florida law requires the injured person to seek initial treatment within 14 days of the accident, or PIP medical benefits are not payable.
4. Public adjuster fees. During a declared state of emergency, a public adjuster's fee on a claim is capped at what percentage of the claim payment?
- A. 5%
- B. 10%
- C. 15%
- D. 20%
Answer: B. Florida caps a public adjuster's compensation at 10% of the amount of insurance claim payments made for claims arising during a declared state of emergency.
Tip: When a scenario question gives you a number — a limit, a percentage, a deadline — the wrong answers are usually built from other real Florida figures (the $5,000 death benefit, the 14-day rule, the $250,000 NFIP building limit). If you only half-remember the rule, those near-miss distractors will catch you. Learn the exact numbers, not the ballpark.
Which topics the questions cover
DFS organizes the exam across 10 content areas, and the question pool draws from all of them. A few areas carry more weight and decide most pass-or-fail outcomes:
- Florida insurance law (Chapter 626) — licensing, adjuster conduct, ethics, and unfair claim practices. The largest and most heavily tested block.
- The claims and adjusting process — investigation, documentation, reserves, and settlement from first notice of loss onward.
- Florida auto (PIP / no-fault) — the $10,000 PIP limit, the 80%/60% split, the 14-day rule, and the mandatory $10,000 Property Damage Liability requirement.
- Property and flood — the Valued Policy Law and NFIP residential limits of $250,000 building / $100,000 contents.
Our 300 original practice questions span all 10 areas, every one with an explanation, so you build understanding instead of pattern-matching. To drill them in test conditions, use the full practice test, and to learn the underlying rules first, work through the study guide.
Why explanations matter more than answers
It is tempting to treat practice questions as a list of answers to memorize. That fails on the real exam, because the same rule gets tested through different scenarios and numbers. Remember only that "the answer was B" and you will miss the next item built on the same concept.
Reading the explanation teaches you why the answer is correct — the statute, the limit, the duty — so you recognize the rule no matter how the question is dressed up. That is active recall, and it sticks far better than re-reading the manual. For a week-by-week plan that puts these questions to work, see how to pass the Florida adjuster exam.
See the questions for yourself
Start with the first 5 questions free, no account needed, then unlock all 300 questions with explanations, the study guide, and the timed mock. Full access is $49 for 3 months or $89 lifetime.