Florida 6-20 Adjuster Practice Test: Free All-Lines Adjuster Exam Questions, 2026 Outline

250 practice questions for the Florida 6-20 All-Lines Adjuster exam, built on the state's content outline in effect since January 1, 2026. They follow its 7 areas, weighted the way the real exam is: Casualty and Liability (28 of 100 scored questions), Fire and Allied Lines with marine and dwelling (28), Motor Vehicle Physical Damage and Mechanical Breakdown (15), Concepts, Contracts and Adjusting Practices (14), Florida Statutes and Rules (11), Health (2) and Residual Markets (2). Most are claim moments: the homeowner's 2% hurricane deductible, a bookkeeper who embezzled, a stolen car that turns up, a client in shock on the day of the fire. Each is tagged to its outline topic, so your score report shows exactly where you miss, and every answer explains why the best choice is best and names its source, usually the Florida statute.

The real test: 100 scored multiple-choice questions plus 10 unscored pretest questions in 2 hours, at a Pearson VUE test center, and 70% passes. The fee is $44 an attempt, up to 5 attempts in 12 months, and a passing score is good for 1 year. It follows the state content outline in effect since January 1, 2026: casualty and liability and fire and allied lines (28% each), auto physical damage (15%), concepts and adjusting practices (14%), Florida statutes and rules (11%), health and residual markets (2% each). Our practice test is full length, 100 scored questions plus 10 unscored, split like the outline, passing at 70 of 100.

Here: 250 questions. Our own practice questions, built on the Florida All-Lines Adjuster content outline (effective January 1, 2026) and written from public sources (the Florida Statutes, rule 69B-220.201, the Standard Flood Insurance Policy and the standard ISO and NCCI forms), with every answer's source named. Topics are the 7 areas of the outline. Not the state's or Pearson VUE's test questions. Free.

What's on the test

"On the test" is the rough share of a 100-question test for each topic, following the exam's published weights.

10 sample questions

1. An insurance policy is drafted entirely by the insurer and offered on a take-it-or-leave-it basis. What kind of contract is that?

   • A.A contract of adhesion
   • B.A bilateral contract the insured helped negotiate
   • C.A conditional receipt
   • D.A contract of indemnity drafted jointly by both parties so neither side can claim it is ambiguous
   Show answer

   A. A contract of adhesion

   ADJ-1 · I. Property and Liability Concepts, Contracts, Law and Adjusting Practices

2. A personal auto policy shows liability limits of 25/50/10. What does the 50 mean?

   • A.$50,000 for all bodily injury in one accident
   • B.$50,000 of property damage per accident
   • C.$50,000 for each injured person
   • D.$50,000 combined for bodily injury and property damage, whatever the number of people hurt
   Show answer

   A. $50,000 for all bodily injury in one accident

   ADJ-36 · II. Casualty/Liability Insurance

3. Which dwelling form covers the house on an open-perils (special) basis?

   • A.DP-3
   • B.DP-2
   • C.HO-4, which is written for owners of rental dwellings who do not live in the building
   • D.DP-1
   Show answer

   A. DP-3

   ADJ-106 · III. Fire and Allied Lines, Including Marine, Dwelling

4. The insured swerves to miss a deer and hits a tree. Under the Personal Auto Policy, which coverage pays for the car?

   • A.Collision
   • B.Liability
   • C.Other than collision
   • D.Medical payments, because the insured avoided the animal and no other car was involved
   Show answer

   A. Collision

   ADJ-176 · IV. Motor Vehicle Physical Damage and Mechanical Breakdown

5. Under Florida's required health policy provisions, how soon must written notice of claim be given?

   • A.Within 90 days after the end of each benefit period, along with the proof of loss
   • B.Within 1 year
   • C.Within 24 hours
   • D.Within 20 days after a covered loss starts, or as soon as reasonably possible
   Show answer

   D. Within 20 days after a covered loss starts, or as soon as reasonably possible

   ADJ-214 · V. Health Insurance

6. What is the Florida Automobile Joint Underwriting Association for?

   • A.Rating every auto insurer in the state and approving their premium increases
   • B.Paying claims of insolvent auto insurers
   • C.Insuring state-owned vehicles
   • D.Auto insurance for drivers who are in good faith entitled to it but can't get it in the voluntary market
   Show answer

   D. Auto insurance for drivers who are in good faith entitled to it but can't get it in the voluntary market

   ADJ-219 · VI. Residual Markets

7. A licensed all-lines adjuster's appointment has lapsed. May the adjuster keep adjusting claims in Florida?

   • A.Yes, as long as the adjuster only handles small claims under $10,000 and tells each insured
   • B.No, a person may not act as an adjuster without a current license and appointment
   • C.Yes, for up to 1 year
   • D.Yes, the license alone is enough
   Show answer

   B. No, a person may not act as an adjuster without a current license and appointment

   ADJ-224 · VII. Selected Florida Statutes and Rules

8. Why is an insurance policy called an aleatory contract?

   • A.It must be signed by both parties in front of a notary
   • B.The amounts each side gives up can be very unequal and depend on a chance event
   • C.Only one side makes a legally enforceable promise
   • D.Each side exchanges values that are known and equal at the moment the policy is signed and the premium is paid
   Show answer

   B. The amounts each side gives up can be very unequal and depend on a chance event

   ADJ-2 · I. Property and Liability Concepts, Contracts, Law and Adjusting Practices

9. Under the Personal Auto Policy, how are defense costs treated in Part A?

   • A.Subtracted from the limit of liability
   • B.Paid only if the insured wins the case and the court orders the claimant to pay costs
   • C.Paid in addition to the limit of liability, until the limit is used up by judgments or settlements
   • D.Paid by the insured
   Show answer

   C. Paid in addition to the limit of liability, until the limit is used up by judgments or settlements

   ADJ-37 · II. Casualty/Liability Insurance

10. Without any added perils, the DP-1 basic form covers which causes of loss?

    • A.All risks except flood
    • B.Fire, lightning and internal explosion
    • C.Fire, windstorm and theft
    • D.Every broad-form peril, including burglary losses for owner-occupants
    Show answer

    B. Fire, lightning and internal explosion

    ADJ-107 · III. Fire and Allied Lines, Including Marine, Dwelling

What the study guide does

• Short study rounds and flip cards.
• A practice test built like the real one: 100 questions, 70 to pass.
• Pass Meter: your chance of passing if you sat the test today, worked out from your own answers.
• An explanation for every answer.