37 day enrolment in - What's Covered, What's Not? for Insurance Claims Adjusters and Public Adjusters

Course Overview
This 3-hour intermediate CE course is designed to help insurance claims adjusters, public adjusters, agents, and CSRs develop a deeper working knowledge of the ISO Homeowners Policy HO-3 so they can determine what is covered and what is not in real claim situations. It focuses on understanding what the homeowners policy is intended to cover, how coverage is structured, and why certain losses fall inside or outside the policy’s protection.

What You Will Learn
You will learn how to navigate the policy contract to locate exclusions, limitations, and conditions, and how some excluded exposures may be addressed through endorsements or separate policies. The course uses customer claim scenario case studies applying standard ISO HO-3 language to illustrate how coverage is applied, how exclusions and limitations are considered, and how those details drive coverage or denial decisions.

Course Format & Benefits
This Florida general elective CE course is approved by the Florida Department of Financial Services for 3 hours of insurance continuing education credit and is specifically approved for 3-20 Public Adjusters under CE 3-20c – Public Adjuster Optional, while also being available to all adjusters and agents as a general elective. It is delivered completely online with no classroom attendance required, offering a flexible way for Florida licensees to strengthen their homeowners policy analysis skills while earning CE credit.

Official Course Information
Course Provider: OnLine Training, Inc.
FLDFS Provider #: 366468
Course Approval #: 118492

Provider Info
Course Approval #	118492
Course Info
License Type	General Elective (including 3-20) Property & Casualty (2-20, 4-40, 20-44, 3-20, 6-20)
Course Length	3 hours
Enrollment Length	2 months
Extension Availability	Yes, paid
Author/Instructor	Milana Thielen
Course Availability	Florida