Exam topics
One topic per page: the exact figures, the specific confusion that loses the point, and a scored drill with an explanation on every answer.
12 topics · all free, in English and Spanish
Florida's hurricane deductible
This is the most heavily tested Florida-specific number on the 2-20, and almost every wrong answer comes from treating the hurricane deductible like an ordinary one. It is not a per-claim subtraction from the loss. It is a percentage of the Coverage A dwelling limit, it runs on a calendar year rather than per storm, and the storm window it applies to is defined by statute rather than by the weather.
Drill it · 12 questionsFlorida's separate roof deductible
The separate roof deductible arrived with the May 2022 special session and is now standard exam material. Candidates lose points in three places: they take the greater of the two cap figures instead of the lesser, they forget the four situations where the deductible cannot be applied at all, and they credit the provision to the wrong bill.
Drill it · 8 questionsCatastrophic ground cover collapse vs sinkhole coverage
Florida splits ground movement into one coverage every authorized property insurer must include and one it must only make available. The examiners build scenarios that satisfy some elements of the mandatory coverage but not all of them, and the answer turns on the element that is missing. Learn the four elements as a checklist, because three out of four is a denial.
Drill it · 9 questionsFlorida's Valued Policy Law
On the total loss of a building, Florida stops the insurer from re-arguing value after the building is gone. The face amount controls, and actual cash value and market value drop out of the analysis entirely. Candidates who adjust the loss the way they would adjust a partial loss get this wrong every time. The real difficulty is the combined-peril rule, which is where the exam lives.
Drill it · 6 questionsFlorida property claim deadlines
Every one of these numbers was shortened between 2021 and 2023, and study material printed before SB 2-A still teaches the old ones. There are three separate families of deadlines here and the exam mixes them deliberately: what the insurer owes the policyholder, how long the policyholder has to report a claim, and how long she has to sue. Learn which family a question is asking about before you reach for a number.
Drill it · 12 questionsOccurrence vs claims-made liability forms
The same facts produce opposite answers depending on the trigger, which is exactly why this appears on the exam year after year. Work the question in two steps: identify the trigger, then check the retroactive date. Most wrong answers come from candidates who stop after step one, or who think an extended reporting period can rescue a loss that fell before the retroactive date.
Drill it · 8 questionsHO forms compared: HO-2 through HO-8
Six standard ISO homeowners forms, and the exam tests exactly one thing about each: whether the dwelling and the contents are written on open perils or named perils. Get that grid straight and most of these questions answer themselves. The single most tested item is the HO-3's asymmetry, because the same accident can be covered on the house and uncovered on the furniture.
Drill it · 12 questionsFlorida comparative negligence after HB 837
Florida was a pure comparative fault state for decades. HB 837, chapter 2023-15, ended that on 24 March 2023, and the arithmetic that used to be the right answer is now the most tempting wrong one. If a question gives you a plaintiff at 55 percent fault and a damages figure, the exam is testing whether you multiply or whether you stop.
Drill it · 12 questionsFlorida PIP: the 14-day rule and 80/60 split
PIP questions are arithmetic wrapped around two gates. First gate: was the injured person seen within 14 days? Miss it and the medical benefit is gone entirely, not reduced. Second gate: did a qualified provider determine an emergency medical condition? Miss that and the $10,000 limit collapses to $2,500. Only then do the percentages matter.
Drill it · 10 questionsCitizens eligibility and the 20 percent rule
Citizens is a residual market, so eligibility is not settled at issuance — it is retested at every renewal and every time an authorized insurer makes an offer. Two of the three numbers on this page moved recently, which is why older manuals get them wrong: the offer threshold was 15 percent before the December 2022 special session, and the flood requirement did not exist before it.
Drill it · 6 questionsLaw and ordinance and replacement cost
Two rules live in the same statute and candidates blend them. One says what the policy is deemed to contain when nobody signed anything: 25 percent law and ordinance coverage, not the 10 percent the unendorsed ISO form gives and not the 50 percent the insured could have selected. The other says in what order the insurer must pay a replacement cost dwelling claim, and it treats partial and total losses in opposite ways.
Drill it · 12 questionsBad faith and the civil remedy notice
There are two clocks in this statute and the exam swaps them constantly. Sixty days is the cure period that follows a civil remedy notice. Ninety days is the window a liability insurer has to tender and buy itself a complete defense. They do different work, they attach to different parties, and knowing which one a question is describing is usually the whole item.
Drill it · 9 questions