Examination
180 minutes
Instructions:
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2. Answer all questions.
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State Insurance Claims Adjusters Certification 2024-
2025
Alabama AL Adjuster Exam Review Questions with
Correct Answers | 100% Pass Guaranteed | Graded A+ |
Read All Instructions Carefully and Answer All the
Questions Correctly Good Luck: -
This provision in Ocean Marine insurance obligates
insurers of various interests to share the cost of losses
associated with a captain's decision to voluntarily
sacrifice a part of the ship or its cargo. - =Answer>>
General Average
Which of the following incidents would a liability
insurance policy cover? - =Answer>> D. A man slips
inside a grocery store and injures himself.
Which of the following does NOT apply to commercial
property insurance? - =Answer>> B. Because of their
complexity, commercial policies only offer named-peril
coverage.
Which of the following perils is excluded from coverage
in a National Flood Insurance Program policy? -
=Answer>> C. Water-main breakage
Sam, who has a typical HO-3 policy, is forced to
evacuate his home by civil authorities due to rising
flood waters in his neighborhood. It takes a month
before Sam is allowed to come back to his home.
During this time, he has spent $3,000 in hotel
expenses, on top of his monthly mortgage payment of
$850. When he files a claim, how much will Sam
receive under Coverage D - Loss of Use? - =Answer>>
A.
D. $0
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Which of the following insurance packages will
indemnify a policyholder for a variety of hospital-
related expenses such as nursing care, supplies, and
rooming charges? - =Answer>> A. Hospitalization
Expense insurance
Which of the following statements about Alabama's
approach to Workers' Comp insurance is true? -
=Answer>> A. WC is compulsory, and Alabama has
no state WC fund.
B.
Barry lives in Texas, but wants to obtain an
independent adjuster license in Alabama. He can get
this license without passing the Alabama adjuster
licensing exam if: - =Answer>> D. he has passed the
Texas exam and received an all-lines adjuster license in
Texas.
Driving home after a 14-hour shift, Sam falls asleep at
the wheel and plows into Sandra's home, causing
extensive damage to the East wall and roof. As a result,
Sandra and her family must move into a hotel until the
repairs are completed. The cost of staying in a hotel is:
- =Answer>> D. an occurrence
When Emma is found guilty of arson for burning down
her $175,000 home, her insurance policy is voided and
she receives no indemnification for the loss. Emma still
had $155,000 left on her mortgage at the time of the
fire. Under the mortgagee clause, Emma's mortgage
lender can recoup: - =Answer>> A. the total amount
left on the loan - $155,000.
Grace purchased a recliner from XYZ Furniture. After
getting it home, she decided to try out the new chair.
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