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FL · Pearson VUE · 110 questions
Florida 6-20 All-Lines Adjuster Practice Test
Florida licenses both company and independent adjusters under one all-lines license: 6-20 for Florida residents, 7-20 for nonresidents and 70-20 for residents of states that do not license adjusters. All three are earned with the same Pearson VUE exam, InsFL-ALJ16, or with an approved 40-hour designation course.
The exam has 100 scored questions plus 10 unscored pretest questions in two hours, and you need 70% to pass. Florida law is only 11% of the outline, but the deadlines in sections 627.70131 and 627.70132, the adjuster code of ethics and the public adjuster rules are where most candidates lose points, so the Florida questions below cite the statute or rule behind every answer.
Exam vendor
Pearson VUE
Exam code
InsFL-ALJ16
Questions
100 scored + 10 pretest
Time limit
2 hours
Passing score
70%
Exam fee
$44
The same exam qualifies you for the 6-20 resident, 7-20 nonresident and 70-20 designated home state licenses.
You may take the same exam at most five times in a rolling 12-month period, and a passing score is valid for one year.
An approved 40-hour designation course (for example ACA, CALA, AIC or RCA) replaces the state exam.
Florida Insurance Law for Adjusters: practice questions (part 1 of 5)
State law is the part of the exam that general study guides skip and the part most candidates miss. These 25 questions are written from the statutes and rules cited in each explanation.
0 of 25 answered
License types and appointments · Recall
Which Florida Department of Financial Services license class is issued to a Florida resident who will adjust claims as an all-lines company employee or independent adjuster?
Show answer and explanation
Correct answer: D. 6-20
DFS issues the 6-20 Resident All-Lines Adjuster license to Florida residents (s. 626.866, F.S.). The appointment held (company employee, independent, or public adjuster apprentice) decides whom the licensee may work for. The 7-20 is the nonresident all-lines license, the 70-20 is the designated home state license, and the 3-20 is the resident public adjuster license, a separate license with its own exam.
Which statement correctly describes the Florida 70-20 Designated Home State all-lines adjuster license?
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Correct answer: D. The licensee qualifies and completes CE the same way a Florida resident does
DFS issues the 70-20 to nonresidents who live in a state with no resident adjuster license, or company adjusters in a state that licenses only independent adjusters. The applicant may not hold a resident or other designated home state license anywhere, must pass the Florida exam or hold an approved designation, and must complete Florida's 24 hours of CE every 2 years under s. 626.2815, F.S. The nonresident CE reciprocity list in s. 626.2815(6) does not apply.
Danielle, a Tampa resident, holds a 6-20 license and is appointed as an independent adjuster. A public adjusting firm offers to appoint her as a public adjuster apprentice while she keeps her independent work. Under s. 626.864, F.S., what is the rule?
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Correct answer: A. She may hold only one of those appointment types at a time
Section 626.864(3), F.S., lets an all-lines adjuster be appointed as an independent adjuster, public adjuster apprentice, or company employee adjuster, but not more than one of these concurrently. The apprentice appointment is held on the 6-20 license itself (s. 626.8651, F.S., which also requires a $50,000 bond), so she would not surrender the license; she would have to end the independent appointment.
Rafael holds a Florida 3-20 public adjuster license. A Jacksonville insurer offers him a staff job as a company employee adjuster. What does s. 626.864, F.S., require?
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Correct answer: B. He cannot be licensed as a public adjuster and an all-lines adjuster at once
Under s. 626.864(2), F.S., the same person may not be licensed concurrently as a public adjuster and an all-lines adjuster, and rule 69B-220.201(4)(e), F.A.C., bars a licensed public adjuster from acting as a company employee or independent adjuster. Rafael would have to give up the public adjuster license and obtain a 6-20. DFS notes that a currently licensed public adjuster moving to a 6-20 is exempt from the exam.
Under rule 69B-227.320, F.A.C., a designation course that lets an applicant skip the Florida all-lines adjuster exam must include at least how many course hours, not counting final exam time?
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Correct answer: D. 40 hours
For any designation listed in s. 626.221(2)(j), F.S., the rule requires at least 40 course hours covering every topic in the current all-lines adjuster examination content outline, plus a comprehensive final exam whose time is added on top of the 40 hours. Twenty-four hours is the 2-year CE requirement, and 20 and 16 are elective CE figures, not the designation course length.
Which credential is one of the approved all-lines adjuster designations listed in s. 626.221(2)(j), F.S., that can replace the state exam for a 6-20 applicant?
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Correct answer: A. Accredited Claims Adjuster (ACA)
Section 626.221(2)(j), F.S., lists approved designations, including ACA (from a regionally accredited Florida postsecondary institution), CALA (Kaplan), AIC, PCA, PPIA, CA, CCA, CACP, AICS, PIC, RCA, and UCC. The curriculum must be DFS-approved and include testing at least equal to the state exam. CIC, ChFC, and CFP are not on the list. CPCU is a separate exemption under s. 626.221(2)(h).
Valentina was a licensed all-lines adjuster appointed as an independent adjuster until the appointment was canceled in March 2023. In September 2026 she files a new all-lines adjuster license application. Under s. 626.221(2)(e), F.S., must she pass the state licensing examination again?
Show answer and explanation
Correct answer: D. No, because she applied within 48 months after the appointment ended
Section 626.221(2)(e), F.S., exempts an applicant who was licensed as an all-lines adjuster, appointed as an independent or company employee adjuster, and files within 48 months after the prior appointment was canceled or expired. March 2023 to September 2026 is 42 months, inside the window. The 48-month figure matches s. 626.431, F.S., under which a person unappointed for 48 months must qualify as a first-time applicant.
Olusegun held a Georgia resident all-lines adjuster license for three years before moving to Jacksonville on June 1. To transfer the license under s. 626.292, F.S., without taking the Florida exam, DFS must receive his completed application within how long after he became a Florida resident?
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Correct answer: C. 90 days
A transfer under s. 626.292, F.S., requires that the applicant become a Florida resident, have been licensed in the other state for at least 1 year immediately before moving, and file an application DFS receives within 90 days after becoming a resident. Transfer applicants are exam-exempt under s. 626.221(2)(n). The 30-day figure is how long he may keep the other state's resident license after Florida issues his.
Jamal of Orlando passed the state exam and received his 6-20 license, but no insurer or adjusting firm has appointed him yet. An insurer asks him to inspect and settle a small water claim this week. Under s. 626.112, F.S., what is true?
Show answer and explanation
Correct answer: B. He may not act as an adjuster until he is also appointed
Section 626.112(1)(a), F.S., says no person may act as, advertise, or hold out as an adjuster unless currently licensed by DFS and appointed by an appropriate appointing entity. Company employee adjusters are appointed by the insurer, and independent adjusters by an adjusting firm or by self-appointment. A license with no appointment does not authorize any adjusting, regardless of claim size.
Florida adjuster licenses have no separate license renewal. How long may a licensee go without an appointment before having to qualify again as a first-time applicant?
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Correct answer: D. 48 months
Under s. 626.431(3), F.S., an individual who does not maintain an appointment during any 48-month period may not be appointed again for that class until he or she qualifies as a first-time applicant. DFS describes licenses as perpetual while the licensee stays appointed. Appointments themselves renew every 24 months, which is why 24 months is a common wrong answer.
Tremaine, whose birthday is in October, was first appointed as a company employee adjuster by a Miami insurer in March 2025. Under s. 626.381, F.S., when does the appointment come up for renewal?
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Correct answer: A. In his birth month, and every 24 months after that
Section 626.381(1), F.S., keeps an appointment in force until terminated, subject to a renewal request filed by the appointing entity in a natural person's birth month and every 24 months thereafter. The month of the original appointment is used only for entities. Licenses themselves do not renew; 48 months is the period after which an unappointed licensee must requalify under s. 626.431, F.S.
A Fort Lauderdale independent adjusting firm files the original appointments of two newly licensed adjusters late. Based on the DFS fee schedule, what late fees result, and who must pay them?
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Correct answer: D. $500 in late fees, paid by the firm and not chargeable to the adjusters
DFS charges a $250 late fee for each original appointment filed late (an effective date more than 45 days before submittal), in addition to the $60 appointment fee set by s. 624.501(12), F.S. Two late filings therefore carry $500 in late fees. DFS states these fees are the appointing entity's obligation and cannot be charged back to the appointee (s. 626.381(4), F.S., says the same for late renewals). The $120 figure is just two regular $60 fees.
What is the standard continuing education requirement for a Florida 6-20 all-lines adjuster who has been licensed for fewer than 6 years?
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Correct answer: B. 24 hours every 2 years, including a 4-hour law and ethics update course
Section 626.2815(3), F.S., requires a 4-hour update course specific to the license plus 20 elective hours every 2 years, for 24 hours total, due by the end of the licensee's birth month. Many older study materials still describe a 5-hour law and ethics update, but the statute and the current DFS CE chart say 4 hours.
Lourdes, a Pensacola adjuster, has held her 6-20 license for 8 years. She has no CPCU, CLU, or insurance degree. How many total CE hours must she complete in each 2-year compliance period?
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Correct answer: C. 20 hours
After 6 years of licensure, s. 626.2815(3)(b), F.S., reduces required electives to 16 hours. She still needs the 4-hour update course, so her total is 4 + 16 = 20 hours. Choosing 16 forgets the update course, and 24 is the requirement for licensees with fewer than 6 years.
Desmond has been a licensed all-lines adjuster in Florida for 27 years and holds the CPCU designation. After DFS approves his reduction request on Form DFS-H2-1109, what is his total CE requirement for each 2-year period?
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Correct answer: B. 10 hours
Section 626.2815(3)(c), F.S., cuts electives to 6 hours for a licensee with 25 or more years who holds the CPCU or CLU or a qualifying risk management or insurance degree. The 4-hour update course is still required, so the total is 6 + 4 = 10 hours. Rule 69B-228.220(6), F.A.C., requires the reduction request to be filed before the compliance date.
Rebecca, a Sarasota adjuster, is hospitalized after a disabling car accident two months before her CE compliance date. Under rule 69B-228.230, F.A.C., how should she seek more time to finish her hours?
Show answer and explanation
Correct answer: D. Request a 90-day extension at least 15 days before the compliance date
Rule 69B-228.230, F.A.C., lets DFS grant a 90-day extension for good cause, such as a disabling accident, illness, or declared national emergency, if Form DFS-H2-460 is filed at least 15 days before the compliance date. Up to four 90-day extensions may be granted per period, and s. 626.2815(5), F.S., caps extensions at 1 year. Without an extension, DFS may terminate her appointments.
Marcus's independent adjuster appointment ended last year and he has not been reappointed, though his 6-20 license is still valid. His CE compliance date arrives next month. Under rule 69B-228.220, F.A.C., what is true?
Show answer and explanation
Correct answer: A. He must still complete it, since being unappointed does not excuse CE
Rule 69B-228.220(1)(c), F.A.C., states that lack of an appointment does not eliminate the continuing education requirement. CE compliance is also a condition precedent to issuing or renewing an appointment under s. 626.2815(4), F.S., and the rule says outstanding CE must be satisfied before appointments are processed, so falling behind would block his next appointment.
Under rule 69B-220.001, F.A.C., how long is a Florida emergency adjuster license valid, unless DFS specifies a shorter period on the license?
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Correct answer: C. 6 months
Rule 69B-220.001(3)(c), F.A.C., makes emergency adjuster licenses valid for 6 months from issuance unless the license states a shorter period, and DFS policy is to set the shortest practical term. If emergency conditions continue, DFS may grant extensions of up to 6 more months each. The license fee is $10 under s. 624.501(12)(c), F.S.
After a hurricane damages thousands of homes around Fort Myers, an authorized insurer wants to use Jorge, who has no Florida adjuster license, as an emergency adjuster. Under rule 69B-220.001, F.A.C., when may Jorge begin adjusting?
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Correct answer: B. Only after DFS issues his emergency adjuster license
The certifying insurer, eligible surplus lines insurer, or licensed independent adjusting firm submits Form DFS-H2-495 through its appointing-entity account and pays the fee, but the rule states that adjusting work shall not begin until the emergency license is issued. Once licensed, Jorge must show his proof of authority and photo ID on demand. No exam is required for emergency licensure under s. 626.874, F.S.
Mei holds an emergency adjuster license issued for a hurricane that struck Panama City. Her certifying firm asks her to also handle an unrelated kitchen fire claim in Pensacola that happened a month before the storm. May she adjust it under the emergency license?
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Correct answer: D. No, an emergency license covers only losses resulting from that emergency
Rule 69B-220.001(4)(b), F.A.C., limits emergency adjuster licensure to adjusting losses directly resulting from the emergency for which the license was issued. A fire that happened before the storm is unrelated, so it must go to a regularly licensed and appointed adjuster. Emergency licenses are issued only to natural persons and only on certification by an insurer or licensed independent adjusting firm.
Under rule 69B-220.001, F.A.C., which statement about the insurer or adjusting firm that certifies an emergency adjuster is correct?
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Correct answer: A. It is bound by the adjuster's acts and must provide continuing, significant supervision
Under rule 69B-220.001(3), F.A.C., certifying an applicant appoints that person to represent the certifying entity, which is bound by the emergency adjuster's acts as with any regular appointee, must use due diligence to confirm the person is qualified, trained, and of good character, and has an affirmative duty of continuing and significant supervision. No bond is required; the $50,000 bond applies to public adjusters and apprentices. Out-of-state licensure is not a prerequisite.
Brandon, a licensed independent adjuster in Ocala, pleads nolo contendere to a felony charge. Under s. 626.621(10), F.S., within how many days must he inform DFS in writing?
Show answer and explanation
Correct answer: B. 30 days
Section 626.621(10), F.S., makes it a ground for discipline to fail to inform DFS in writing within 30 days after pleading guilty or nolo contendere to, or being convicted of, any felony or crime punishable by 1 year or more of imprisonment, whether or not a judgment of conviction is entered. Section 626.451(6), F.S., states the same 30-day duty. The plea itself can also support discipline.
Carmen, a company employee adjuster, moves from Tampa to Lakeland and changes her personal email address. Under s. 626.551, F.S., what must she do?
Show answer and explanation
Correct answer: D. Notify DFS in writing within 30 days, or risk a fine of up to $250
Section 626.551, F.S., requires a licensee to notify DFS in writing within 30 days after a change of name, residence address, principal business street address, mailing address, telephone numbers, or email address. A first failure brings a fine of up to $250; later offenses can bring a fine of at least $500 or suspension or revocation. Moving both residence and business out of Florida terminates the license and appointments.
Under s. 626.875, F.S., how long must a Sarasota-based independent adjuster keep the records for a claim at the adjuster's place of business, measured from completion of the adjustment?
Show answer and explanation
Correct answer: C. At least 5 years
Section 626.875, F.S., requires appointed independent adjusters and licensed public adjusters to keep a Florida place of business (it may be in the home) and to retain claim records for at least 5 years after the adjustment is completed, available for DFS inspection 8 a.m. to 5 p.m., Monday through Friday, excluding state holidays. A nonresident all-lines adjuster has a separate 3-year rule in s. 626.8734(3), F.S.
An adjuster whose Florida license is currently suspended is asked to serve as the umpire in an appraisal of a Gainesville homeowner's claim. Under s. 626.878(3), F.S., what is the result if the adjuster serves?
Show answer and explanation
Correct answer: B. It is barred, and the adjuster acts as an unlicensed adjuster
Section 626.878(3), F.S., bars an adjuster whose license is revoked or suspended from participating in any part of an insurance claim or the claims adjusting process, including estimating, negotiating, appraising, mediating, umpiring, or effecting settlement. A person who provides these services while suspended or revoked acts as an unlicensed adjuster, which exposes the person to further penalties.
Learn the claim clock. Under s. 627.70131 a residential property insurer must acknowledge a claim within 7 days, begin investigating within 7 days after proof of loss, and pay or deny within 60 days. Notice of a new or reopened claim is due within 1 year, a supplemental claim within 18 months.
Casualty and property are 56% of the exam. Spend most of your time on the personal auto policy, the CGL, homeowners and dwelling forms rather than on Florida statutes alone.
Know Florida auto. Personal injury protection is $10,000 with a $5,000 death benefit, and no-fault concepts appear in the casualty section.
Memorize the ethics rules. The adjuster code of ethics (s. 626.878 and rule 69B-220.201) covers conflicts of interest, contact rules and what an adjuster may say about attorneys and public adjusters.
Do not skip the small sections. Residual markets (Citizens, FAJUA, FWCJUA) and health insurance are only 2% each, but they are easy points if you have read them once.
Use your attempts wisely. You get at most five attempts in a rolling 12 months, so take at least two timed practice exams and score above 80% before you book.
Getting licensed in Florida
Florida licenses both independent adjusters and company employee (staff) adjusters under a single All-Lines Adjuster license: 6-20 for residents, 7-20 for nonresidents and 70-20 for designated-home-state holders. The license is active only while appointed by an insurer, an adjusting firm, or the adjuster themselves (independent adjusters can self-appoint). Public adjusters need a separate 3-20 or 73-20 license, and 0-70 emergency adjuster licenses are issued after catastrophes.
License fee: $55
License term: No fixed expiration while appointed: appointments renew biennially, and the license expires if unappointed for 48 months (F.S. 626.431(3)). CE is due every 2 years by the end of the birth month.
Continuing education: 24 hours including 4 hours of ethics every 2 years (due by end of birth month)
How many questions are on the Florida 6-20 adjuster exam?
The InsFL-ALJ16 exam has 110 questions: 100 scored questions and 10 unscored pretest questions mixed in. You have two hours to finish.
What is the passing score for the Florida 6-20 exam?
You need 70%, measured as correct answers divided by the scored questions. Pearson VUE prints a pass or fail score report with diagnostics at the test center.
Do I have to take the state exam for the 6-20 license?
No. Florida waives the exam for holders of an approved designation such as the Accredited Claims Adjuster (ACA), Certified All Lines Adjuster (CALA), Associate in Claims (AIC) or Registered Claims Adjuster (RCA). Each designation course must be at least 40 hours with a comprehensive final exam.
What is the difference between the 6-20, 7-20 and 70-20 licenses?
The 6-20 is the resident all-lines license, the 7-20 is for nonresidents who hold an adjuster license in their home state, and the 70-20 is a designated home state license for people who live in a state that does not license adjusters. The 70-20 is qualified and maintained exactly like a resident license.
How much does the Florida adjuster license cost?
Expect a $44 exam fee, a $50 application fee, a $5 license identification fee, about $49.50 for fingerprints and a $60 appointment fee, which the appointing company or firm often pays. Designation courses cost extra if you take that route.
Is the Florida adjuster exam available online?
No. Florida DFS says online proctoring is no longer available for new reservations, so you take the exam at a Pearson VUE test center or an eligible military base.