Florida 3-20 Public Adjuster Exam Outlines| 141
questions| with complete answers
626.854 (3) - Correct Answer -A public adjuster may not give legal
... [Show More] advice or
act on behalf of or aid any person in negotiating or settling a claim relating
to bodily injury, death, or noneconomic damages.
626.854 (5) - Correct Answer -A public adjuster may not directly or indirectly
through any other person or entity solicit an insured or claimant by any
means except on Monday through Saturday of each week and only between
the hours of 8 a.m. and 8 p.m. on those days.
626.854 (6) - Correct Answer -An insured or claimant may cancel a public
adjuster's contract to adjust a claim without penalty or obligation within 3
business days after the date on which the contract is executed or within 3
business days after the date on which the insured or claimant has notified
the insurer of the claim, whichever is later. The public adjuster's contract
must disclose to the insured or claimant his or her right to cancel the
contract and advise the insured or claimant that notice of cancellation must
be submitted in writing and sent by certified mail, return receipt requested,
or other form of mailing that provides proof thereof, to the public adjuster at
the address specified in the contract; provided, during any state of
emergency as declared by the Governor and for 1 year after the date of loss,
the insured or claimant has 10 business days after the date on which the
contract is executed to cancel a public adjuster's contract.
626.854 (7) - Correct Answer -It is an unfair and deceptive insurance trade
practice pursuant to s. 626.9541 for a public adjuster or any other person to
circulate or disseminate any advertisement, announcement, or statement
containing any assertion, representation, or statement with respect to the
business of insurance which is untrue, deceptive, or misleading.
626.854 (7) (a) - Correct Answer -The following statements, made in any
public adjuster's advertisement or solicitation, are considered deceptive or
misleading:
1. A statement or representation that invites an insured policyholder to
submit a claim when the policyholder does not have covered damage to
insured property.
2. A statement or representation that invites an insured policyholder to
submit a claim by offering monetary or other valuable inducement.
3. A statement or representation that invites an insured policyholder to
submit a claim by stating that there is "no risk" to the policyholder by
submitting such claim.
4. A statement or representation, or use of a logo or shield, that implies or
could mistakenly be construed to imply that the solicitation was issued or
distributed by a governmental agency or is sanctioned or endorsed by a
governmental agency.
626.854 (7) (b) - Correct Answer -For purposes of this paragraph, the term
"written advertisement" includes only newspapers, magazines, flyers, and
bulk mailers. The following disclaimer, which is not required to be printed on
standard size business cards, must be added in bold print and capital letters
in typeface no smaller than the typeface of the body of the text to all written
advertisements by a public adjuster: [Show Less]