Examination
180 minutes
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State Insurance Claims Adjusters Certification 2024-
2025
Alabama Claim Adjuster Exam Review Questions with
Correct Answers | 100% Pass Guaranteed | Graded A+ |
Read All Instructions Carefully and Answer All the
Questions Correctly Good Luck: -
1. The insured carries a BOP policy with protective
systems such as a sprinkler system. If the system
becomes inoperative, the insured must advise the
insurance company of the problem within _______ if the
system cannot be restored to working order -
=Answer>> 48 hours Your Answer
2. Tina has two policies (Policy X and Policy Y) that
cover the same risk on a pro rata basis. Policy X has a
limit of $100,000 and Policy Y has a limit of $25,000.
When Tina suffers a loss totaling $75,000, how will the
two policies respond? - =Answer>> . Policy X will pay
$60,000 and Policy Y will pay $15,000
C.
D.
Which of the following statements about the original
Standard Fire Policy is FALSE? - =Answer>> A. It was
the first multi-line policy, combining both Physical
Damage and Liability coverages.
What is the standard deductible on an Equipment
Breakdown Protection Coverage Form? - =Answer>>
A. $500
Which of the following would be considered an
insurable risk? - =Answer>> A. A football stadium
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Under which law is an insurer required to explain its
reasons for denying coverage? - =Answer>> A. IIPPA
C.
According to the Mortgagee Clause, what is NOT one of
the rights of the mortgagee? - =Answer>> D. The
mortgagee may change the coverage amount.
Which Business Auto Policy endorsement covers
employees while using their personal cars for business
purposes? - =Answer>> C. Employee as Additional
Insured
The state defines an "employee" as: - =Answer>> B.
Any individual who acts in the service of another party
under a contract of hire.
Jason's auto policy states that the insurer may cancel
coverage if a premium is more than 30 days late.
However, Jason is currently more than 30 days late, and
has been so five times in the last year, and his insurer
has done nothing about it. When Jason gets into an
accident and files a claim, which of the following is
most likely to happen? - =Answer>> C. The insurer
will pay the claim because of the implied waiver they
have made by not canceling Jason's policy the previous
times he was late with his payments.
Which of the following is NOT one of the requirements
that adjusters must meet in order to handle NFIP
claims? - =Answer>> A. Attending a NFIP claims
presentation every 3 months in order to adjust NFIP
claims
A fire burns down Jenny's Hardware, leaving virtually
nothing salvageable. Which of the following items
would NOT be covered under Coverage A of the
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