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Adjuster Pro
State Insurance Claims Adjuster-Pro Certification
Insurance Claims Adjuste-Pro Exam
Course Title and Number: Insurance Claims Adjuste-Pro Exam Exam Title: Board Exam Exam Date: Exam 2024- 2025 Instructor: [Insert Instructor’s Name] Student Name: [Insert Student’s Name] Student ID: [Insert Student ID]
Examination
180 minutes
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Adjuster Pro: State Insurance Claims Adjuster Certification 2024- Adjuster-Pro Exam Review Questions with Correct Answers | 100% Pass Guaranteed | Graded A+ | Read All Instructions Carefully and Answer All the Questions Correctly Good Luck: - Leonard has a dwelling insured under a DP-1 with a limit of liability of $100,000 and no endorsements. An automobile swerves off the road and crashes through Leonard's dwelling. The cost to repair the damage to the wall is $10,000. However, when Leonard attempts to get the permits to do the repair, he finds out that current codes require that he perform a $1,000 upgrade to the plumbing in the wall. How much will the policy pay (ignore the deductible)? - =Answer>> Nothing. Damage from vehicles is not a covered peril under a DP-1 without an endorsement. Joe has a basic DP-1 policy on his home, without any endorsements. During a storm, a tree limb is blown down onto his attached garage. The limb crashes through the roof and lands on Joe's water softener tank, destroying it completely. Which of these damages would be covered under Coverage B in Joe's policy? - =Answer>> None François has a DP-3 policy on his home, which covers him from most losses on an open-peril basis. He likes to collect old films, many of which are recorded on Safety Film (cellulose acetate). The problem is that cellulose acetate film gradually breaks down over time and will eventually "self Need Writing 🤔Help? We've Got You Covered! ✍️ 100% NO A I or Plagiarism Guaranteed🤔
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Grace purchased 40 acres of land a couple miles outside of town. To save time and money, she put up a basic mobile home and installed it permanently in the ground. Not planning on farming on the other land, Grace is now looking For a way to ensure this second home and property. Which policy could best fit her needs? - =Answer>> Dwelling Policy Dan has DP-3 policy on his home. During a storm, a tree falls onto his attached garage. The tree crashes through the garage roof and lands on dance water softener tank, destroying it completely. Which of these damages would be covered under coverage A? - =Answer>> The roof and the water softener Joe has a basic DP-1 policy on his home, without any endorsements. During a storm, a tree limb is blown down onto his attached garage. The limb crashes through the roof and land on Joe's water softener tank, destroying it completely. Which of these damages would be covered under Coverage B in Joe's policy? - =Answer>> None Greg's neighbor Sam is trimming his trees in his backyard. In the process, a big limb from one of Sam's trees crashes down onto Greg's fence. Assuming Greg has a DP-1 policy with the Extended Coverage endorsement, which of the following could help indemnify Greg for the repairs to his fence? - =Answer>> none Need Writing 🤔Help? We've Got You Covered! ✍️ 100% NO A I or Plagiarism Guaranteed🤔
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Which statement is FALSE about coverage for Trees, Shrubs, and Other Plants in the DP-2 and DP-3? - =Answer>> It includes the perils of windstorm and hail. A dryer fire scorches the interior of Bill's home, and he is billed $627 by the fire department. Assuming Bill has the Fire Department Service Charge additional coverage, how much will Bill have to pay out-of-pocket? - =Answer>> $ Jacob's home burns to the ground, despite the fire department's attempt to save it. His home was fully insured under his DP-3 policy for $150,000. How much can Jacob expect to receive from his insurer to cover the loss and any bills he may receive from the fire department? - =Answer>> $150, A windstorm passes over Blake's property, causing damage to his roof and tearing up several trees and shrubs in the process. Assuming Blake carrier a $120,000 DP-2 on his home, with a Trees, Shrubs, and Other Plants endorsement, what is the maximum Blake can receive for his 15 damage plants? - =Answer>> $0 - Wind is not a covered peril under the Trees, Shrubs, and Other Plants coverage. Grace purchased 40 acres of land a couple miles outside of town. Tow save time and money, she put up a basic mobile home and installed it permanently to the ground. not planning on farming any of the land, Grace is now looking for a way to insure this second home and property. Which policy could best fit her needs? - =Answer>> Dwelling Policy Need Writing 🤔Help? We've Got You Covered! ✍️ 100% NO A I or Plagiarism Guaranteed🤔
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Which of the following statements is TRUE about Coverage C under a DP-2 or DP-3? - =Answer>> Rowboats and canoes are covered, but only while on premises. Dwelling policies and homeowners policies provide a variety of insurance protections for consumers. What is the primary difference between a typical homeowners policy and a dwelling policy? - =Answer>> Dwelling policies do not provide liability insurance. Noris borrows Arnold's truck to pick up some lumber from the hardware store. On the way to the store, Norris collides with a car, injuring the three people inside. The driver suffers $15,000 in injuries, one passenger suffers $25,000, and the other passenger suffers $20,000. Norris has a PAP with liability limits of 50/100/50 and Arnold's policy has liability limits of 25/50/10. How much will the primary policy pay for the injuries? - =Answer>> $50, Mark is driving along and looking for an address on the east side of Walker Street. As he squints to see the numbers posted on the buildings, he plows into the back of the car waiting a stoplight. Both the driver and the passenger of the struck car injured. The driver suffers $60,000 in bodily injury: the passenger suffers $55,000 in bodily injury, and the vehicle Mark hit sustains $30,000 in damage. Mark has liability coverage with split limits of 50/100/25. How much will mark be responsible for out-of-pocket after this accident? - =Answer>> $20, Need Writing 🤔Help? We've Got You Covered! ✍️ 100% NO A I or Plagiarism Guaranteed🤔
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In which case with the insured be indemnified by her liability coverage? - =Answer>> She has to pay a fee to retrieve relevant court documents When Wanda gets into an accident, her car is towed to Ted's auto shop for repair. Which of these statements is TRUE? - =Answer>> Wanda's insurer must give her the opportunity to specify in writing the type of auto parts she wants to shop to use Taylor is involved in a hit-and-run accident. He is stunned by the encounter and doesn't get any info on the vehicle. Which type of coverage can he use to pay for the damages?
- =Answer>> Collision Coverage D'anton spills coffee on his lap when driving and hits a car. What type of coverage could he use to pay for the damages? - =Answer>> Collision Coverage Minimum liability limits in Indiana - =Answer>> 25/ Which of these statements about Personal Auto Policy is FALSE? - =Answer>> It will pay for punitive damages in court Jada crashes her car and has to take the bus for 3 months. Which of these coverages will pay for her transportation? - =Answer>> Transportation expenses Ian purchased a nice new car yesterday. He has not yet reported his new car to his insurance and does not have collision or comprehensive coverage. Why should he not be Need Writing 🤔Help? We've Got You Covered! ✍️ 100% NO A I or Plagiarism Guaranteed🤔
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In which situation would the insurer not be able to increase premiums immediately? - =Answer>> After an accident Which of the following is not part of the 'policy territory' for PAP - =Answer>> Mexico City If PAP has been in affect for more than 60 days, the insured must give them a cancelation notice at least.. - =Answer>> 20 days in advance Sonia maintains collision coverage with a $1,000 deductible on her 2015 sedan. While returning home from work, Sonia swerves to miss a raccoon and ends up crashing into a telephone pole. Sonia's car sustains $25,000 in damages, yet the actual cash value of the vehicle is only $15,000. Which of the following statements is TRUE? - =Answer>> Sonia will be indemnified by her insurer for $14,000. Bonnie's PAP includes Comprehensive coverage. Which of the following losses could this coverage pay for? - =Answer>> Bonnie's car catches fire. PIP coverage will pay for injuries to all of the following persons, EXCEPT - =Answer>> the driver you struck. Kelly took her eyes off the road and ended up smashing into the back of a passenger van. All five passengers were injured, and each one ended up with $25,000 in medical costs. Assuming Kelly has liability coverage with limits of 50/100/50, how much will she have to pay out of pocket? - =Answer>> $25, Need Writing 🤔Help? We've Got You Covered! ✍️ 100% NO A I or Plagiarism Guaranteed🤔
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In which case would the insured be indemnified by her auto liability coverage? - =Answer>> She has to pay a fee to retrieve relevant court documents. Having insurance is required by Indiana law in order to drive your car on public roads. In which of the following scenarios would you NOT need to have insurance on your vehicle? - =Answer>> Using your vehicle seasonally for agricultural purposes Which of these statements about the Personal Auto Policy is FALSE? - =Answer>> It provides coverage for punitive damages awarded in court. George lives in Connecticut and carries the minimum amount of auto liability insurance for that state, which is 20/40/10. On a trip to Indiana, George causes an accident that leaves the other motorist with $35,000 in bodily injuries and $12,000 in property damage. How much will George's liability coverage pay the other driver? - =Answer>> Since George meets his home state's liability insurance requirements, the out-of-state provision says that his policy will provide the minimum required liability in any other state where George may cause damages. Since Indiana's minimum liability limits are 25/50/25, George's policy will pay up to $25,000 for injuries to one person and up to $25,000 for property damage. Farm insurance policies can include all of the following except: - =Answer>> Farm insurance for raising show animals Need Writing 🤔Help? We've Got You Covered! ✍️ 100% NO A I or Plagiarism Guaranteed🤔
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which of the following losses to livestock would be covered by the causes of loss - broad form, but NOT by the causes of loss - basic form - =Answer>> accidental shooting of livestock Lanny was unloading his steers from the transport when the ramp slipped off the back of the trailer and two steers fell and broke their legs. As a result of this accident, Lanny had to put down the injured steers. Which farm policy cause of loss form would indemnify Lanny for this loss? - =Answer>> broad and special form Rosa's barn burned down when it was struck by lightning during a storm. The barn was fully insured at replacement cost under Rosa's Farm policy. At the time of the loss, the barn was valued at $45,000, but it will cost $60,000 to replace it. How will Rosa's insurer respond to her claim? - =Answer>> The insurer will pay Rosa $45,000 first, and then up to another $15,000 once repairs are completed. Zane's farmhouse was burglarized. The thieves stole his $4,000 sofa, his $3,000 silverware collection, and his $5, watch. Under Zane's farm insurance policy, which has a Coverage A limit of $150,000, how much can he expect to receive in indemnification for this loss, assuming there are no endorsements and ignoring any deductibles? - =Answer>> Coverage C has a special limits of $2,500 for silverware and for watches. Zane will be indemnified $4,000 for the sofa, $2,500 for the silverware, and $2,500 for the watch. $4,
- $2,500 + $2,500 = $9,000. Need Writing 🤔Help? We've Got You Covered! ✍️ 100% NO A I or Plagiarism Guaranteed🤔
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Which of the following can NOT cover the death of the insured's cow due to a lightning strike? - =Answer>> Property Damage Liability In a farm policy, which form provides blanket coverage to all farm personal property? - =Answer>> Unscheduled Farm personal property The Risk Management Agency is responsible for all of the following, except: - =Answer>> issuing crop assignments to farmers. A "transitional yield," or "T-yield," is: - =Answer>> the average yield of other farms in the county, used to calculate a farmer's APH when the farmer does not have 4 years of production records. Which of the following is true for Crop-Hail insurance? - =Answer>> Generally it is available from private insurers. Which statement about the Catastrophic Risk Protection Endorsement is FALSE? - =Answer>> The premiums are paid by the insured. If Farmer Brown sustains a 10% loss to his crop, and he has Crop-Hail Insurance with a $10,000 limit and a 5% minimum loss percentage, how much will his policy pay him? - =Answer>> since Farmer Brown's loss exceeds that minimum, his policy will pay for the entire loss of $1,000 (10% of $10,000). Need Writing 🤔Help? We've Got You Covered! ✍️ 100% NO A I or Plagiarism Guaranteed🤔
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to the policyholder 45 days in advance. If the insurer fails to meet this deadline, it must: - =Answer>> offer the same premium rates and policy coverage as before for an additional 30 days. Jim receives a letter in the mail from his insurer notifying him that his commercial policy will not be renewed thirty days from now. Jim protests, saying he needs at least two months time to find a new policy. Jim ends up receiving an additional 30 days' coverage at the same premium as before, because: - =Answer>> Jim's insurer did not provide him with 45 days' notice. In a typical commercial property policy, an insured building is considered "vacant" when: - =Answer>> for 60 days, the building is either closed or has less than 31% of its available square footage occupied. William owns a paint store and employs Brent. One day, while Brent is decorating the window display, he gets carried away dancing to the music in his headphones, falls off his ladder, and smashes through the glass. What policy condition allows William to collect for the loss on his insurance contract? - =Answer>> Control of Property In the Business and Personal Property Form of a commercial property policy, Coverage B - Business Personal Property coverage applies to all of the following EXCEPT: - =Answer>> Commercial flooring (Floor coverings (tile, carpet, etc.) are included in the definition of a "building" and are therefore not considered to be Business Personal Property.) Need Writing 🤔Help? We've Got You Covered! ✍️ 100% NO A I or Plagiarism Guaranteed🤔
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Cyril recently purchased a small machining shop. When asked on his commercial property insurance application about how the property will be heated in the winter, he replies "central heat," when in fact it will be heated by a wood stove. Under which condition could the insurer deny coverage? - =Answer>> Concealment, Misrepresentation, and Fraud When a fire burns through The Chronicle newspaper company, it takes out two permanently-installed printing presses, three employees' personal laptops, five rolls of newspaper stock, and in a twist of irony, two fire extinguishers. Which of these would be covered under Coverage A - Buildings and Structures? - =Answer>> The printing presses and fire extinguishers Tom leaves his personal laptop at Smith & Co. so a colleague can work on a presentation. While the laptop is in the care of Smith & Co., it is destroyed by a fire in the break room. The laptop was worth $3,200. How much indemnification would Smith & Co.'s Business and Personal Property Form provide for the damaged laptop? - =Answer>> $2, "Permanently installed fixtures" would fall under which coverage of a commercial property policy? - =Answer>> Building and Structures A fierce windstorm blows through town, stripping the shingles off of the roof and shattering all of the windows at Need Writing 🤔Help? We've Got You Covered! ✍️ 100% NO A I or Plagiarism Guaranteed🤔
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When a fire burns through The Chronicle newspaper company, it takes out two permanently installed printing presses, three employees' personal laptops, five rolls of newspaper stock, and in a twist of irony, two fire extinguishers. Which of these would be covered by the Building & Personal Property Form under Coverage B - Business Personal Property? - =Answer>> The rolls of newspaper stock Craig purchased some additional machinery for his business so that he can keep up with customer demand. The problem is that Craig does not have enough space for the newly purchased machinery. He rents a storage unit to house the machinery until he can bring it to the company, but when the storage unit burns down, Craig's equipment goes with it. Which coverage extension might indemnify Craig for his loss? - =Answer>> Property Off-Premise Helen's business is growing rapidly, so she decided to add an annex onto her office and hire another worker. A storm blows down most of the annex structure while it is under construction, forcing Helen to restart from scratch. Assuming she maintains the 80% coinsurance requirement on her commercial policy, which coverage extension could help Helen rebuild? - =Answer>>. Newly Acquired Property A fire in the break room kitchen of Helen's small business spreads into the utility room, damaging the computer server. Her server is physically destroyed, along with a lot of vital information: client information, pending shipments, Need Writing 🤔Help? We've Got You Covered! ✍️ 100% NO A I or Plagiarism Guaranteed🤔
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etc. Which coverage can help Helen with the costs associated with losing this information? - =Answer>> Electronic Data The Newly Acquired Property extension in a commercial property policy provides ________ in coverage for buildings under construction at the insured premises, or for any newly acquired business property off the insured premises.
- =Answer>> $250, Ryan occasionally uses his new personal iPad at work to handle business matters since it's portable and can easily set up video conferences. He has a computer and another tablet at home, so he usually leaves the iPad at work, locked in his desk drawer. One morning Ryan arrives at work to find a massive sinkhole has opened up underneath the business, swallowing the interior. Which coverage extension in a commercial property policy may pay for Ryan's iPad? - =Answer>> Personal Effects and Property of Others Which of the following is NOT true of the Replacement Cost endorsement to the Buildings & Structures Form of a commercial property policy? - =Answer>> It applies to both the insured property and any property of others on the insured premises. Matt, a real estate developer, must submit a report to his insurer every 30 days listing the value of all his properties over the past month. In turn, the insurer adjusts Matt's premiums based on the values he submits. Which optional Need Writing 🤔Help? We've Got You Covered! ✍️ 100% NO A I or Plagiarism Guaranteed🤔
