Adjuster Pro; QUESTIONS AND ANSWERS
100% SOLVED
John is doing some lawn maintenance using a steel blade on his weed-whacker.
He fails to
properly tighten the blade and it comes loose while he is trimming some tall
grass at the edge of
his property. The blade flies off towards his neighbo...
Adjuster Pro; QUESTIONS AND ANSWERS
100% SOLVED
John is doing some lawn maintenance using a steel blade on his weed-whacker.
He fails to
properly tighten the blade and it comes loose while he is trimming some tall
grass at the edge of
his property. The blade flies off towards his neighbor's house and crashes into
the HVAC unit,
severing the lines and effectively destroying the unit. Which coverage in John's
homeowners
policy might pay for the damage he caused to his neighbor's HVAC system?
A. Coverage E - Personal Liability
B. Coverage B - Other Structures
C. None
D. Coverage A - Dwelling - ANSWER-A
Which of the following expenses would NOT be covered under a homeowners
policy additional
, Adjuster Pro; QUESTIONS AND ANSWERS
100% SOLVED
coverage called Claims Expenses?
A. Interest accrual on judgements
B. Administrative costs related to renewing the insured's policy
C. Premiums for bonds required in a lawsuit defended by the insurer
D. Up to $250 per day for the insured's lost wages while the insured is helping
with the claim
investigation - ANSWER-B
A neighbor stepped on a rusty rake while walking through Jake's backyard,
unannounced. He
ends up with a bad case of tetanus and has to stay in the hospital for three days.
He files a claim
against Jake, who protests any wrongdoing because he believes his neighbor
was trespassing and
should be responsible for his own injury. Jake wants a court of law to settle the
dispute. How can
, Adjuster Pro; QUESTIONS AND ANSWERS
100% SOLVED
the insurer settle the claim put forth by Jake's neighbor?
A. The insurer can settle anyway it finds advantageous to its interests.
B. The insurer must use arbitration since Jake feels he is not at fault.
C. The insurer can only settle in court if Jake demands a lawsuit.
D. The insurer must settle however Jake's neighbor wishes. - ANSWER-A
Frances is visiting her mom's grave and notices that several headstones in the
cemetery have
been defaced with spray-paint, including her mother's. Frances hires a
professional cleaning
service to remove the spray-paint from her mother's headstone. Which type of
additional
coverage in her homeowners policy could help Frances with the cost of
removing the paint?
A. None
B. Grave Markers coverage
, Adjuster Pro; QUESTIONS AND ANSWERS
100% SOLVED
C. Reasonable repairs coverage
D. Debris Removal coverage - ANSWER-B
Following a covered loss, which of these expenses would NOT be covered under
Coverage F -
Medical Payments in a homeowners policy?
A. Funeral services
B. Dental costs
C. Hospital stays
D. Weight loss surgery - ANSWER-D
Paul lives in an area where property values are appreciating rapidly. He would
like his
homeowner's policy to reflect the increase in the value of his home. Which
endorsement might
Paul purchase to accomplish this?
A. Inflation Guard
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