FL Claims Adjuster study plan

Map the structural anatomy of a property and casualty policy (declarations, insuring agreement, conditions, exclusions, definitions) and label each section on a blank outline

Diagram the claims lifecycle from first notice of loss through settlement or denial, naming the adjuster action required at each stage

Define 25 core policy terms (deductible, coinsurance, subrogation, ACV, RCV, occurrence, endorsement) and write each definition in your own words

Identify the duties an insured owes after a loss and the consequence of breaching each duty

Compare homeowners coverage forms (HO-2, HO-3, HO-4, HO-5, HO-6, HO-8) and list the perils each covers and the key coverage limits for Coverage A through D

Distinguish named-peril from open-peril (all-risk) coverage and correctly classify five sample loss scenarios under each

Explain the operation of deductibles, coinsurance clauses, and loss-settlement valuation methods by working 10 calculation problems

Contrast personal auto policy parts (liability, PIP, medical payments, uninsured motorist, physical damage) and note which are mandatory in Florida

Sequence the investigation steps for a property claim, including scene inspection, documentation, and damage valuation

Explain how to recognize and respond to indicators of potential fraud, including red flags in a first report

Describe how to establish and document reserves and when to revise them

Outline the requirements for a proof of loss, a reservation-of-rights letter, and a recorded statement

Apply the concept of good-faith claims handling to three short fact patterns and identify each adjuster misstep

Summarize Florida adjuster licensing categories, application requirements, appointment, and the license term and renewal cycle

List the continuing-education hour requirements and the specific topic mandates that apply to Florida licensees

Identify the grounds for license suspension or revocation and the insurer's reporting obligations to the state

Define unfair trade practices and unfair claims-settlement practices prohibited under Florida law

Explain the roles of the Florida Department of Financial Services and the Office of Insurance Regulation

Explain licensing reciprocity, nonresident licensing, and the rules for appointing and terminating a producer

Describe the requirements for handling premiums, fiduciary duties, and the penalties for misappropriation

Outline Florida rules on solicitation, advertising, and replacement or cancellation notices

Identify the penalties and administrative actions available against licensees and insurers

Define the principle of indemnity, insurable interest, and the concept of utmost good faith, and explain how each shapes a claims decision

Distinguish representations, warranties, and concealment and predict the claims effect of each

Explain coinsurance, reinsurance, and the purpose of subrogation in the claims process

Match five ethical scenarios to the applicable Florida unfair-practice prohibition and justify the answer

Distinguish expressed, implied, and apparent authority and identify which binds the insurer

Categorize prohibited claims practices (misrepresenting policy provisions, unreasonable delay, failing to investigate promptly) and describe the compliant behavior for each

Explain the adjuster's duty of confidentiality, the conflict-of-interest rules, and the prohibition on rebating

Re-drill weak topics from weeks 1 through 6, targeting the three lowest-scoring areas

Complete two timed 50-question mixed practice sets and log the reason for each missed item

Complete three full-length timed practice exams under exam conditions and score each in all five domains

Re-teach the two weakest domains by rewriting their key rules without notes

Review the entire glossary and cheat sheet aloud to test recall

Finalize a test-day plan covering timing strategy, question-reading technique, and flag-and-return tactics