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Adjuster Pro Exam Questions and Answers 100% Solved | Graded A+
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Adjuster Pro Exam Questions and Answers 100% Solved | Graded A+ John is doing some lawn maintenance using a steel blade on his weedwhacker. He fails to properly tighten the blade and it comes loose while he is trimming some tall grass at the edge of his property. The blade flies off towards...

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  • December 30, 2024
  • 104
  • 2024/2025
  • Exam (elaborations)
  • Questions & answers

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Adjuster Pro Exam Questions and

Answers 100% Solved | Graded A+


John is doing some lawn maintenance using a steel blade on his weed-

whacker. He fails to properly tighten the blade and it comes loose while he

is trimming some tall grass at the edge of his property. The blade flies off

towards his neighbor's house and crashes into the HVAC unit, severing the

lines and effectively destroying the unit. Which coverage in John's

homeowners policy might pay for the damage he caused to his neighbor's

HVAC system?



A. Coverage E - Personal Liability

B. Coverage B - Other Structures

C. None

D. Coverage A - Dwelling - ✔✔A

Which of the following expenses would NOT be covered under a

homeowners policy additional coverage called Claims Expenses?



A. Interest accrual on judgements
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,B. Administrative costs related to renewing the insured's policy

C. Premiums for bonds required in a lawsuit defended by the insurer

D. Up to $250 per day for the insured's lost wages while the insured is

helping with the claim investigation - ✔✔B

A neighbor stepped on a rusty rake while walking through Jake's backyard,

unannounced. He ends up with a bad case of tetanus and has to stay in the

hospital for three days. He files a claim against Jake, who protests any

wrongdoing because he believes his neighbor was trespassing and should

be responsible for his own injury. Jake wants a court of law to settle the

dispute. How can the insurer settle the claim put forth by Jake's neighbor?



A. The insurer can settle anyway it finds advantageous to its interests.

B. The insurer must use arbitration since Jake feels he is not at fault.

C. The insurer can only settle in court if Jake demands a lawsuit.

D. The insurer must settle however Jake's neighbor wishes. - ✔✔A

Frances is visiting her mom's grave and notices that several headstones in

the cemetery have been defaced with spray-paint, including her mother's.

Frances hires a professional cleaning service to remove the spray-paint

from her mother's headstone. Which type of additional coverage in her

homeowners policy could help Frances with the cost of removing the paint?

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©NINJANERD 2025/2026. YEAR PUBLISHED 2025.

,A. None

B. Grave Markers coverage

C. Reasonable repairs coverage

D. Debris Removal coverage - ✔✔B

Following a covered loss, which of these expenses would NOT be covered

under Coverage F - Medical Payments in a homeowners policy?



A. Funeral services

B. Dental costs

C. Hospital stays

D. Weight loss surgery - ✔✔D

Paul lives in an area where property values are appreciating rapidly. He

would like his homeowner's policy to reflect the increase in the value of his

home. Which endorsement might Paul purchase to accomplish this?



A. Inflation Guard

B. Increased Limits on Personal Property

C. Additional Structures

D. Valuation Endorsement - ✔✔A

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, Under Coverage F - Medical Payments to Others, the Payment of Claim

provision states:



A. all payments made under Coverage F will be paid at actual cash value.

B. Coverage F is voluntary coverage: even if a claim is paid, it is not an

admission of the insurer's liability.

C. no payments will be made until the insurer's liability has been

determined.

Under Coverage F - Medical Payments to Others, the Payment of Claim

provision states that Coverage F is voluntary coverage: even if a claim is

paid, it is not an admission of the insurer's liability.

D. the insurer reserves the right to demand a proof of loss before paying an

indemnity under Coverage F. - ✔✔B

Ron works from home. After a kitchen fire renders his home uninhabitable,

he is forced to rent an apartment in town while the repairs are made. Which

type of coverage could help Ron pay the cost of renting the apartment?



A. Coverage B - Other Structures

B. Coverage A - Dwelling

C. None

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©NINJANERD 2025/2026. YEAR PUBLISHED 2025.

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