Examination
180 minutes
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State Insurance Claims Adjuster-Pro Certification 2024-
2025
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 destruct." The films are uninsurable for
gradual breakdown under the DP-3 policy because: -
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=Answer>> damage caused by an inherent vice is
excluded.
Dwelling coverage would provide indemnification for
damages to all of the following items EXCEPT: -
=Answer>> a car parked in a detached garage
Dan has a DP-3 policy on his $100,000 home. A tree
falls onto his attached garage during a storm and
breaks through the roof, causing $5,000 in damage.
Under which coverage within the dwelling policy would
the damage to roof possibly be covered? - =Answer>>
Coverage A
In a dwelling policy, coverage for a stand alone lamp-
post in the front yard would fall under: - =Answer>>
Coverage B
Dwelling policies exclude inherent vice because: -
=Answer>> Items will eventually self destruct
Christina owns a home in Midland Texas. When she
purchased the home, she fixed up the detached
garage, turning it into Harley into a studio apartment,
which she rents out for $1000/month. If ears wind
storm comes through town and blows the roof offer
home and studio rental. Christina insurance her home
with a $200,000 DP-three policy. How much of her at
detached garage will be covered under her policy? -
=Answer>> $0 Christine is detached garage it's not
covered under the policy.
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
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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
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>> $127
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