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
Instructions:
1. Read each question carefully.
2. Answer all questions.
3. Use the provided answer sheet to mark your responses.
4. Ensure all answers are final before submitting the exam.
5. Please answer each question below and click Submit when you have completed
the Exam.
6. This test has a time limit, The test will save and submit automatically when the
time expires
7. This is Exam which will assess your knowledge on the course Learning
Resources.
Good Luck!
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State Insurance Claims Adjuster- Pro Certification
2024- 2025
Adjuster Pro - Practice Exam Test Review
Questions with Correct Answers | 100% Pass
Guaranteed | Graded A+ |
Read All Instructions Carefully and Answer All the
Questions Correctly Good Luck: -
Kerry accidentally set his kitchen on fire while frying a
turkey for the holidays. The fire results in $32,000 in
damage to his home, which is valued at $175,000.
However, Kerry only has a $120,000 homeowners
policy limit. Assuming Kerry's policy has the 80%
coinsurance requirement, approximately how much of
the damage will Kerry be responsible for paying?
(Round all numbers to three decimal places.) -
=Answer>> $4,576
A tree falls onto Melissa's house, damaging the roof
and front porch. This peril is covered by her policy, and
the damages fall well within the policy limits. Melissa
has proven the damages, and the adjuster's
investigation came within $100 of Melissa's claim. Of
the following options, which course of action best
describes how the adjuster should respond to the
claim? - =Answer>> Accept Melissa's request and pay
the claim.
Tom is an experienced insurance agent looking for a
new job where he works for one insurer and has the
responsibility of training and supervising other agents.
Which of the following would best fit the type of job
Tom is looking for?
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A. Captive Agent
B. Independent Agent
C. Direct Writer
D. General Agent - =Answer>> D. General Agent
Daniel has had his homeowners policy with ABC
Insurance Co. for six months. In a recent review of its
policies, ABC Insurance Co. decided to remove one of
the standard exclusions without changing the premium.
How does this expansion in coverage affect Daniel?
A. Daniel is not affected. The change only applies to
new applicants.
B. Due to the Liberalization clause, Daniel will be
required to complete a new application.
C. Due to the Liberalization clause, the expanded
coverage will be offered to Daniel in writing and he has
the option to accept or deny the change.
D. Due to the Liberalization clause, this expansion in
coverage automatically applies to Daniel's policy. -
=Answer>> Due to the Liberalization clause, this
expansion in coverage automatically applies to Daniel's
policy.
James holds a DP-1 policy on his house for $150,000.
His wife, Jane, feels that they should really have closer
to $200,000 in total coverage, so she takes out an
additional $50,000 DP-1 policy on the same dwelling.
Both policies pay settlements on a pro rata basis. After
a fire causes $32,000 in damage to the home, how
much of the damages will be covered by Jane's DP-1
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policy? - =Answer>> $8,000 - Jane's policy represents
¼ the total coverage and therefore pays ¼ of the
damages
Orlando's house was fully insured when it was
completely destroyed by a tornado. All that's left is a
huge pile of debris and a $167,000 mortgage balance.
Orlando files a claim against his DP-3 with a $220,000
limit. Normally, the cost of debris removal is subject to
the policy limit, but Orlando's total costs exceed his
limit. Once all cleanup and repairs are completed, what
is the maximum indemnification the insurer could end
up paying for the dwelling and debris removal? -
=Answer>> $220,000 for the dwelling, plus up to
$11,000 for Debris Removal.
In North Carolina, an insured must notify the insurer at
least ____ before filing a lawsuit against a suspected
uninsured motorist. - =Answer>> 60 days
Of the four types of bonds listed below, which
guarantees that the principal will NOT do something? -
=Answer>> Fidelity bond
Which of the following statements about BOP liability
limits is false?
A. The Products-Completed Operations Aggregate limit
is typically set at $2 million.
B. The General Aggregate limit is established as twice
the per-occurrence limit.
C. There are separate limits for Medical Payments and
Damage to Premises Rented by You.
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