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Free Property Casualty Basics Practice Questions

Florida Personal Lines (20-44) exam (series 20-44) — 109 practice questions.

Subtopics: Hurricane deductible, Hurricane deductible application, Catastrophic ground cover collapse, Claims acknowledgment, Pay or deny deadline, Homeowner claims bill of rights, Nonrenewal notice, Citizens Property Insurance, Rate standard, Hurricane deductible disclosure, Wind mitigation discounts, Notice of claim deadline, Mediation program, Replacement cost settlement, Sinkhole neutral evaluation, Personal flood coverage, Citizens eligibility, Valued policy law, Policy structure DICE, Declarations, Insuring agreement, Exclusions, Actual cash value, Replacement cost, Coinsurance purpose, Coinsurance penalty math, Coinsurance no penalty, Deductible effect, Named perils, Open perils, Burden of proof, Subrogation, Salvage, Appraisal provision, Pro rata other insurance, Vacancy, Real vs personal property, Negligence, Elements of negligence, Compensatory damages, Punitive damages, Bodily injury, Property damage, Occurrence, Absolute liability, Vicarious liability, Comparative negligence, Liability limits, Binder, Endorsement, Stated value vs agreed value, Abandonment, Mortgagee clause, Assignment, Proximate cause, Attractive nuisance, Hold harmless agreement, Certificate of insurance, Valued policy, Blanket vs specific, Liability vs property insurance, Duties after loss, Concurrent causation, Conditions section, Definitions section, Pair or set clause, Inflation guard, Aggregate limit, Combined single limit, Sublimit, Self-insured retention, Primary vs excess coverage, Excess other insurance clause, Escape other insurance clause, Flat cancellation, Pro rata cancellation, Short-rate cancellation, Nonrenewal, Liberalization clause, No benefit to bailee, Loss payable clause, Sue and labor, Occurrence trigger, Retroactive date, Extended reporting period, Contributory negligence, Last clear chance, Res ipsa loquitur, Assumption of risk, Negligence per se, General vs special damages, Nominal damages, Direct vs consequential loss, Time element coverage, Catastrophe, Floater, Wear and tear exclusion, Inherent vice exclusion, Mysterious disappearance, Pollution exclusion, Earth movement exclusion, Personal injury offense, Duty to defend, Defense within limits, Statute of limitations, Pure premium, Exposure unit, Reasonable repairs, Actual cash value calculation

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Sample questions & answers

1. Before issuing a personal lines residential property policy, a Florida insurer must offer hurricane deductible options of:

500 dollars and 2, 5, and 10 percent of the dwelling limits

Florida requires insurers to offer hurricane deductibles of 500 dollars and 2, 5, and 10 percent of the dwelling limits, unless a percentage is less than 500 dollars.

2. A Florida personal lines hurricane deductible generally applies:

On a calendar-year basis to covered hurricane losses with the same insurer

Florida's hurricane deductible is applied on a calendar-year (annual) basis to hurricane losses covered under policies issued by the same insurer or insurer group.

3. Which coverage must a Florida homeowners policy include, as opposed to optional sinkhole loss coverage?

Catastrophic ground cover collapse

Florida homeowners policies must cover catastrophic ground cover collapse; broader sinkhole loss coverage is offered separately as an option.

4. A Florida residential property insurer must acknowledge a communication about a claim within:

7 days

Florida requires acknowledgment of a communication about a property claim within 7 days unless payment is made within that time.

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Practice: Property Casualty Basics

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Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.