Examination
180 minutes
Instructions:
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State Insurance Claims Adjusters Certification 2024-
2025
Insurance Claims Adjusting Exam Review Questions and
Answers | 100% Pass Guaranteed | Graded A+ |
Read All Instructions Carefully and Answer All the
Questions Correctly Good Luck: -
An insured has a Texas HO-B policy and his Coverage A
limit of liability is $100,000. He has a 1% deductible.
What is his deductible? - =Answer>> $1,000
Flood is defined as general and _______ condition of
partial or complete inundation by water of what is
normally dry land? - =Answer>> Temporary
The special limit of liability for Bullion/Valuable Papers
is? - =Answer>> $500
Which of the following is NOT subject to special limits of
liability under the Texas HOB policy? - =Answer>>
Books
What are the three Texas Dwelling Policy Forms? -
=Answer>> Basic Form, Broad Form, General Form
The most common cause of action in a product liability
claim is? - =Answer>> Negligence
You are adjusting a claim for damages caused by a
covered peril. Which of the following items would you
NOT cover under personal property? - =Answer>>
Kitchen Cabinets
Which of the following is not a form of Commercial
General Liability? - =Answer>> General Liability
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The national flood insurance policy has three policy
forms: - =Answer>> Dwelling form, General property
form, Condominium Association
Wood fences are settled at ______ under a standard fire
policy? - =Answer>> Actual Cash Value
The party to whom money or insurance proceeds is to
be paid in the event of a loss, such as the mortgagee
on real property? - =Answer>> Loss Payee
Which of the following is not a common cause of action
in a product liability claim? - =Answer>> Improper
assembly of the product
Extra charges covered by homeowners policies over
and above the policyholders normal living expenses? -
=Answer>> Additional Living expenses
Insurance claim - =Answer>> a formal request to an
insurance company requesting a payment, based on
the terms of an insurance policy (contract)
First-party claim - =Answer>> is made by a
policyholder, insured, or beneficiary, directly against
the insurance company. First-party claims are filed
under policies such as Dwelling or Automobile Physical
Damage
Third-party claim - =Answer>> is made against an
insured who is covered by a liability policy, such as
Commercial General Liability or Malpractice insurance
policies. It's important to remember that policies such
as Homeowners, Personal Auto, and Business Owners
contain both first and third-party coverage
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