Examination
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State Insurance Claims Adjuster- Pro Certification
2024- 2025
Arizona A.Z Adjuster- Pro Exam Review Latest
Questions and Answers | 100% Pass Guaranteed |
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Read All Instructions Carefully and Answer All the
Questions Correctly Good Luck: -
National flood insurance program (NFIP) under the
jurisdiction of FEMA... - =Answer>> flood insurance is
only available for communities that participate in the
NFIP
individuals within participating communities can
purchase flood insurance
participating communities agree to maintain floodplain
management strategies
(FIRMS) Flood insurance rate maps - =Answer>> -
identify flood zones and hazards
-use a measurement called the base flood
base flood - =Answer>> a flood so bad that it only
happens once in 100 years
base flood evaluation (BFE) - =Answer>> the highest
level that water would reach during a base flood
(SFIP) Standard flood insurance policy - =Answer>> -
federal insurance
-not subject to local or state courts
-not subject to state departments of insurance
-waiting period: 30 days
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NFIP Direct - =Answer>> -Issued by federal
government
-Claims handled by federal government
WYO Program (Write Your Own) - =Answer>> Sells
flood policies under its own name, collects premium,
services policyholders, adjusts the claim and pays
losses. Reinsured 100% by FEMA.
Dwelling form (NFIP policy forms) - =Answer>> -1-4
family dwellings
-14 family condo units
-residential contents
General form (NFIP policy forms) - =Answer>> non
residential buildings and contents
some residential buildings that don't qualify for
dwelling form
residential condo building association policy (RCBAP) -
=Answer>> insures residential condo associations, an
individual condo unit owner would buy a dwelling
policy, the RCBAP is only for condo associations
NFIP dwelling form: coverage A - =Answer>> -1-4
family dwellings
-attached additions connected to dwelling by
rigid exterior wall, solid load bearing wall, stairway,
elevated walkaway, roof
-detached garages- up to 10% of coverage A limit (all
other detached structures are excluded)
-construction materials only if inside a covered building
-buildings under construction: deductible is doubled
-can pay up to 10% coverage for detached garages
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The dwelling form: coverage B - =Answer>> Covers
direct physical loss to contents due to flood
requirements for contents coverage: separate
purchases and deductible
items must be in an enclosed building or secured if
building is partially enclosed
Coverage C: Other Coverages (NFIP) - =Answer>> -
debris removal from premises and covered property
-loss avoidance measures
-property removed to safety
Mitigation: Coverage C other coverages (Flood
insurance) - =Answer>> pays up to $1000 for
avoidance measures, no deductible,
covers sandbags, fill for temporary levees, pumps,
plastic sheeting and lumber, labor (paid at federal
minimum wage if insured or relatives do the work
themselves)
ICC Increased cost of compliance (flood insurance) &
limit - =Answer>> covers cost of complying with:
floodplain management law, ordinances concerning
repair or reconstruction
limit: $30,000 in addition to coverage A limit
payout for ICC can't exceed 250,000 for dwelling and
500,000 for commercial structure
The standard flood policy is governed by ________ law
and it NOT subject to _____ or ____ local courts -
=Answer>> federal
state, local
Requirements for independent adjusters (flood
insurance) - =Answer>>
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