FL Claims Adjuster case studies
FL Claims Adjuster · Put your knowledge to work in context.
The Florida claims adjuster credential is a state license that authorizes a person to investigate, evaluate, negotiate, and settle insurance claims in Florida. The qualifying examination - commonly referred to as the All Lines Adjuster (6-20) exam - is administered for candidates who need to handle both property and casualty claim work, and it also serves as an entry point for people moving into claims from agency, underwriting, or customer-service roles. The FL Claims Adjuster case studies are 5 cases and about 3,818 words.
1Catastrophe Field Staff, a Roofing Company, and a Pending License
A Category 4 hurricane makes landfall in southwest Florida on September 28. Ten days later, the claims manager of an admitted Florida carrier reviews three field reports on the same catastrophe: (1) Marcus, a Georgia-licensed independent adjuster, has inspected 12 homes in Lee County since October 3 but has never applied for a Florida license; (2) a roofing company, SunCoast Roofing, is canvassing damaged neighborhoods offering to "handle the whole claim" for 15% of whatever the carrier pays, and has already emailed the carrier a scope of loss on a mutual customer; (3) Priya, hired September 20 as an inside claims representative, is issuing payments on 30 open files while her Florida all-lines adjuster license application is still pending.
761 words, about 4 min2The Restaurant That Stayed Closed Longer Than It Had To
Bayside Grill has a commercial property policy with business income coverage: a 50,000 monthly limit, a 600,000 annual aggregate, a 72-hour waiting period, and a period of restoration that ends when the damaged property should be repaired "with reasonable speed." On March 2 a failed supply line floods the dining room and the restaurant closes. The insured's original contractor could have finished in 30 days; the owner instead hired a friend's company, which did not start for 30 days and finished on June 10.
741 words, about 4 min3The Shower Wall That Leaked for Three Weeks
An HO-3 insured in Miami-Dade reports water damage behind a shower wall. The plumber's invoice dates the leak to "at least three weeks ago"; the insured says she noticed a soft spot "a while back" but thought it was cosmetic.
852 words, about 4 min4The 2:40 a.m. Fire and the Ten-Day Demand
on January 12, fire destroys a duplex that Dale owns and occupies; the other unit is rented. His HO-3 carries 250,000 dwelling, 150,000 personal property, a 2,500 deductible, and loss-of-rents/ALE coverage.
748 words, about 4 min5The Manager's Flat 40% and the Friday Deadline
You are a staff adjuster for a Florida domestic carrier. A 78-year-old homeowner has a $28,000 hurricane wind claim; the roof is 17 years old, in good condition per your inspection, with an expected 8 years of remaining life, and the policy pays replacement cost when the roof is actually repaired or replaced, holding depreciation recoverable.
716 words, about 4 min