Extended coverage perils - Study guides, Class notes & Summaries
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Florida Claims Adjuster Exam, 6-20 All Lines Adjuster- Florida- Review Already Passed
- Exam (elaborations) • 28 pages • 2023
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Florida Claims Adjuster Exam, 6-20 All Lines Adjuster- Florida- Review Already Passed 
Peril Something that causes a loss. 
Hazard Something that increases the probability that a loss will occur. 
Warranty A policy condition, either based on information in the insureds application or inserted by the insurer. It is a guarantee of a fact. 
Misrepresentation An untrue statement by the insured, made in an application for insurance but which does not become a part of the policy. 
Concealment The fail...
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Adjuster Pro Module 3-A Homeowners & 3 A.1 Tx HO Supplemental WITH 100% CORRECT ANSWERS 2024
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The Standard Fire Policy 
-1st used in 1918 in NY 
-Provided homeowner & commercial property protection. 
-ACV valuation 
-Named peril policy 
-Only covered fire & lightening 
 
 
 
"165 Line" Policy 
The original Standard Fire Policy spent 165 lines explaining new insurance concepts that are still used today: 
-Concealment & misrepresentation 
-Property & perils excluded from coverage 
-Insurance cancellation due to an increase in hazards 
-Obligations to a mortgagee 
-Insured's duties in th...
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2024 2025 XCEL TESTING SOLUTIONS- LIFE AND HEALTH INSURANCE- WEIGHTED EXAM WITH 400 QUESTIONS AND CORRECT ANSWERS WITH RATIONALES (100% CORRECT DETAILED ANSWERS)
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XCEL TESTING SOLUTIONS- LIFE AND HEALTH INSURANCE- WEIGHTED EXAM WITH 400 QUESTIONS AND CORRECT ANSWERS WITH RATIONALES (100% CORRECT DETAILED ANSWERS) 
A whole life policy option where extended term insurance is selected is called a(n) 
- ANSWER-nonforfeiture option 
A nonforfeiture provision in a whole life policy that uses cash value to purchase 
term insurance equal to the existing amount of life insurance is called the extended 
term option. 
What happens if the insurer discovers th...
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SC Personal Lines Questions and Answers Graded A+
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SC Personal Lines Questions and 
 
Answers Graded A+ 
 
6 loss valuation methods actual cash value, replacement value, functional replacement value, 
market value, stated amount, agreed value 
 
waiver & estoppel a person has given up a known or legal right 
 
4 components of a legal contract agreement, consideration, competent parties, legal purpose 
 
6 classes of insurers authorized(admitted), unauthorized(nonadmitted), domestic, foreign, 
alien, independent rating services 
 
5 marketing dis...
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New York All Lines Adjuster Exam with 100% Correct Answers 2024-2025 (Graded)
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New York All Lines Adjuster Exam with 100% Correct Answers (Graded) DP - valuation - ANSWER-DP-1 - ACV building & contents 
DP-2/3 - RCV building & ACV contents 
DP - limit for fair rental value - ANSWER-20% of A 
DP - coverages (A-E) - ANSWER-A - dwelling 
B - other structures 
C - personal property 
D - fair rental value 
E - additional living expense 
DP - limit for additional living expenses - ANSWER-DP-1 - NONE 
DP-2/3 - 20% of A 
DP - Property removed is covered for ___ days. - ANSWER-DP-...
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TX Insurance Exam Practice Questions and Answers 100% Pass
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Extended Coverage Perils Wind, Civil Commotion, Smoke, Hail, Aircraft, Vehicles, 
Volcanos, Explosion, Riot WC SHAVVER 
Perils on an Unendorsed DP1 Policy Fire, Lightening, Internal Explosion 
Coverage amount for Trees and Shrubs on a DP1 policy 0 
Part of the Policy that lists the insured's limits Declarations page 
Subrogation is listed in what part of the contract Conditions 
Part of the contract that tells you what is not covered Exclusions 
Coverage A on a Home Policy The structure and any...
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IDAHO PROPERTY & CASUALTY EXAM PREP QUESTIONS AND ANSWERS
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Which of the following statements is false with respect to requirements for rates? 
A) Rates may not be inadequate 
B) A purpose of the rate regulation is to diminish competition between insurers 
C) Rates may not be unfairly discriminatory 
D) A purpose of the rate regulation is to regulate cooperative action among insurers 
B 
 
 
 
The Businessowners Coverage Form to the Businessowners Policy provides coverage on which of the following basis? 
 
A) Modified Perils 
B) Simplified Perils 
C) Br...
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CISR - Elements of Risk Management Exam 132 Questions with Answers,100% CORRECT
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CISR - Elements of Risk Management Exam 132 Questions with Answers 
 
 
A ____ is a cause of loss - CORRECT ANSWER peril 
 
A situation, behavior, or condition that may lead to adverse financial consequences - CORRECT ANSWER exposure 
 
A cyberattack is an example of a ____ - CORRECT ANSWER peril 
 
An Insured who shows no regard for his insured property demonstrates a - CORRECT ANSWER morale hazard 
 
A spill on a supermarket aisle is an example of a ____ because it increases the likelihood...
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IDAHO PROPERTY & CASUALTY EXAM PREP QUESTIONS AND ANSWERS 2024
- Exam (elaborations) • 83 pages • 2024
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Which of the following statements is false with respect to requirements for rates? 
A) Rates may not be inadequate 
B) A purpose of the rate regulation is to diminish competition between insurers 
C) Rates may not be unfairly discriminatory 
D) A purpose of the rate regulation is to regulate cooperative action among insurers 
B 
 
 
 
The Businessowners Coverage Form to the Businessowners Policy provides coverage on which of the following basis? 
 
A) Modified Perils 
B) Simplified Perils 
C) Br...
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Personal Lines Insurance PA || Questions and 100% Accurate Answers.
- Exam (elaborations) • 10 pages • 2024
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What are the penalties for violating the Fair Credit Reporting Act? correct answers $5,000, Imprisonment for 1 year or both 
 
How long to give notice to client about credit report? correct answers 3 days after report is requested 
 
TRIPRA defines terrorism as... correct answers A violent act or an act that is dangerous to human life, property or infrastructure that results in damage in or outside the US committed by domestic or foreign terrorists. 
 
TRIPRA Regulations correct answers Triggeri...
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