TEXAS ADJUSTER FINAL EVALUATION QUESTIONS WITH
SOLUTIONS A+ 2025/2026
✔✔What level of fiduciary responsibility do adjusters have to adhere to?
- Normal
- Extraordinary
- Legal
- Expert - ✔✔Extraordinary
✔✔All of the following are homeowners cause of loss coverages EXCEPT
- Comprehensive
- Special
- Broad
- Basic - ✔✔Comprehensive
✔✔If an adjuster makes comments that give an insured the feeling that a loss is
covered and the adjuster also fails to tell the insured that no coverage actually exists,
this is an example of
- Statement of fact
- Legal issue
- Waiver
- Estoppel - ✔✔Estoppel
✔✔A policy that covers any loss that is not specifically excluded by the policy is
- an open peril policy
- a specific named perils policy
- A broad peril policy
- a named peril policy - ✔✔An open peril policy
✔✔The eligibility for the homeowner's policy states that the dwelling must be occupied
by
- The agent
- The owner
- The tenant
- The company - ✔✔The owner
✔✔A policy that combines two types of insurance (ex. property and liability) into a single
policy is called
- A blanket policy
,- A monoline policy
- A combination policy
- A package policy - ✔✔A package policy
✔✔An adjuster license will remain in effect for how many years?
- 2 years
- 3 years
- 5 years
- 10 years - ✔✔2 years
✔✔What type of coverage would the insured need to have to protect him for bodily
injury or property damage for which the insured is legally liable?
- Uninsured motorist
- Liability
- Physical Damage
- Medical payments - ✔✔Liability
✔✔Which of the following is the claimant in liability insurance?
- Insurance company
- Injured party
- Insurer
- Insured - ✔✔Injured party
✔✔Steve, a licensed adjuster, has moved his family across town into a new home. How
long does Steve have to notify that state of his new address?
- 60 days
- 30 days
- 45 days
- 10 days - ✔✔30 days
✔✔The maximum limit of liability in a bond is called
- The penalty
- The occurrence limit
- The indemnification amount
- The aggregate limit - ✔✔The penalty
✔✔In claim handling, evaluations means
- Gathering the facts surrounding a lost
- Determining the dollar value of a claim
,- Preparing a claim for litigation
- Reaching a settlement with the person who has made a claim - ✔✔Determining the
dollar value of a claim
✔✔Who must see that the contractual promises that have been made to policyholders
are honored promptly, fairly, and accurately?
- The adjuster
- The insurance company
- Agents
- The customer - ✔✔The adjuster
✔✔An agent can assist the adjuster with a claim by doing all of the following EXCEPT
- Verifying effective date of coverage
- Approving payment
- Resolving disputes
- Locating people - ✔✔Approving payment
✔✔The most common coinsurance requirement is
- 80%
- 90%
- 100%
- 70% - ✔✔80%
✔✔A dwelling property policy can be used to insure all of the following EXCEPT
- Duplexes
- Farms
- Rental homes
- Lake cabins - ✔✔Farms
✔✔Basic information about a claim, such as the insured's name and address, the
claimant's name and address, and any witnesses to the loss, can be found in
- Surveillance
- The loss report
- The activities check
- The medical authorization form - ✔✔The loss report
✔✔A policy that insures only one type of insurance (ex. just property insurance) is
called
- A single policy
, - A multi-line policy
- A monoline policy
- A package policy - ✔✔A monoline policy
✔✔Who pays the losses in bond contracts?
- Obligor
- Obligee
- Surety
- Prinicipal - ✔✔Surety
✔✔In the homeowner's policy, what is the standard deductible?
- $500
- $1000
- $250
- 1% of Coverage A - ✔✔$500
✔✔A parent being held liable for the actions of their minor child is called
- Strict liability
- Vicarious liability
- Direct liability
- Absolute liability - ✔✔Vicarious liability
✔✔All of the following can be included in the commercial package policy EXCEPT
- Ocean marine
- Automobile
- Equipment Protection
- Inland marine - ✔✔Ocean marine
✔✔In order for a person to be licensed as an adjuster, the person must comply with all
the following EXCEPT
- Have 10 years' of experience
- Be trustworthy
- Be at least 18 years of age
- Pass the state exam - ✔✔Have 10 years' of experience
✔✔Basic form named perils always included all of the following EXCEPT
- Fire
- Collapse
- Internal explosion
SOLUTIONS A+ 2025/2026
✔✔What level of fiduciary responsibility do adjusters have to adhere to?
- Normal
- Extraordinary
- Legal
- Expert - ✔✔Extraordinary
✔✔All of the following are homeowners cause of loss coverages EXCEPT
- Comprehensive
- Special
- Broad
- Basic - ✔✔Comprehensive
✔✔If an adjuster makes comments that give an insured the feeling that a loss is
covered and the adjuster also fails to tell the insured that no coverage actually exists,
this is an example of
- Statement of fact
- Legal issue
- Waiver
- Estoppel - ✔✔Estoppel
✔✔A policy that covers any loss that is not specifically excluded by the policy is
- an open peril policy
- a specific named perils policy
- A broad peril policy
- a named peril policy - ✔✔An open peril policy
✔✔The eligibility for the homeowner's policy states that the dwelling must be occupied
by
- The agent
- The owner
- The tenant
- The company - ✔✔The owner
✔✔A policy that combines two types of insurance (ex. property and liability) into a single
policy is called
- A blanket policy
,- A monoline policy
- A combination policy
- A package policy - ✔✔A package policy
✔✔An adjuster license will remain in effect for how many years?
- 2 years
- 3 years
- 5 years
- 10 years - ✔✔2 years
✔✔What type of coverage would the insured need to have to protect him for bodily
injury or property damage for which the insured is legally liable?
- Uninsured motorist
- Liability
- Physical Damage
- Medical payments - ✔✔Liability
✔✔Which of the following is the claimant in liability insurance?
- Insurance company
- Injured party
- Insurer
- Insured - ✔✔Injured party
✔✔Steve, a licensed adjuster, has moved his family across town into a new home. How
long does Steve have to notify that state of his new address?
- 60 days
- 30 days
- 45 days
- 10 days - ✔✔30 days
✔✔The maximum limit of liability in a bond is called
- The penalty
- The occurrence limit
- The indemnification amount
- The aggregate limit - ✔✔The penalty
✔✔In claim handling, evaluations means
- Gathering the facts surrounding a lost
- Determining the dollar value of a claim
,- Preparing a claim for litigation
- Reaching a settlement with the person who has made a claim - ✔✔Determining the
dollar value of a claim
✔✔Who must see that the contractual promises that have been made to policyholders
are honored promptly, fairly, and accurately?
- The adjuster
- The insurance company
- Agents
- The customer - ✔✔The adjuster
✔✔An agent can assist the adjuster with a claim by doing all of the following EXCEPT
- Verifying effective date of coverage
- Approving payment
- Resolving disputes
- Locating people - ✔✔Approving payment
✔✔The most common coinsurance requirement is
- 80%
- 90%
- 100%
- 70% - ✔✔80%
✔✔A dwelling property policy can be used to insure all of the following EXCEPT
- Duplexes
- Farms
- Rental homes
- Lake cabins - ✔✔Farms
✔✔Basic information about a claim, such as the insured's name and address, the
claimant's name and address, and any witnesses to the loss, can be found in
- Surveillance
- The loss report
- The activities check
- The medical authorization form - ✔✔The loss report
✔✔A policy that insures only one type of insurance (ex. just property insurance) is
called
- A single policy
, - A multi-line policy
- A monoline policy
- A package policy - ✔✔A monoline policy
✔✔Who pays the losses in bond contracts?
- Obligor
- Obligee
- Surety
- Prinicipal - ✔✔Surety
✔✔In the homeowner's policy, what is the standard deductible?
- $500
- $1000
- $250
- 1% of Coverage A - ✔✔$500
✔✔A parent being held liable for the actions of their minor child is called
- Strict liability
- Vicarious liability
- Direct liability
- Absolute liability - ✔✔Vicarious liability
✔✔All of the following can be included in the commercial package policy EXCEPT
- Ocean marine
- Automobile
- Equipment Protection
- Inland marine - ✔✔Ocean marine
✔✔In order for a person to be licensed as an adjuster, the person must comply with all
the following EXCEPT
- Have 10 years' of experience
- Be trustworthy
- Be at least 18 years of age
- Pass the state exam - ✔✔Have 10 years' of experience
✔✔Basic form named perils always included all of the following EXCEPT
- Fire
- Collapse
- Internal explosion
