Ace the Florida Insurance Claims Adjuster Test 2026 – Jumpstart Your Adjusting Adventure!

Question: 1 / 400

How is an Occurrence defined in insurance terms?

Any lawsuit filed against the insured

An accident, including continued or repeated exposure to the same harmful conditions

An occurrence in insurance terms is defined as an accident or event that causes damage or loss, including continued or repeated exposure to harmful conditions. Option A is incorrect because an occurrence is not limited to just lawsuits, but can also include accidents and other events. Option C is incorrect because occurrences are typically unexpected and not planned. Option D is incorrect because an occurrence does not have to be a natural disaster, but can include a variety of other events such as accidents or injuries. Therefore, option B is the most accurate definition of an occurrence in insurance terms.

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A planned event

A natural disaster

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