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Does she say it after any certain words are said to her? I had this problem until I was in high school, and a number of my Sunday School students did this. From what I can tell, they're trying to make sure they haven't done something wrong. Especially as that age, there's a common fear of being rejected, especial for adopted children, or children ho have been in foster care (ask how I know...). I would suggest telling her that she hasn't done anything that warrants an apology, and see where it goes. If this persists into her adolescence, I'd look into talking to her guidance counselor at school. I hope all goes well!