Insurance Adjusting 2026 Exam
Questions and Verified Answers
| Already Graded A+
Gable roofs have what waste factor so multiply what by what? - 🧠 ANSWER
✔✔10% removal squares by 1.10
Hip roofs have what waste factor so multiply what by what? - 🧠 ANSWER
✔✔15% removal squares by 1.15
Always round composition and laminate shingle replacement to? - 🧠
ANSWER ✔✔.33, .67, or whole number
,Always round wood shingle replacement to? - 🧠 ANSWER ✔✔.25, .50, .75,
or whole number
Gable roof square footage calculated by up and over explain? - 🧠 ANSWER
✔✔Up- eave to ridge + eave to ridge
Over- length of ridge
Hip roof square footage calculated by up and over explain? - 🧠 ANSWER
✔✔Up- eave to ridge + eave to ridge
Over- end of eave to end of eave
What do these codes mean in Xactimate ( W, WC, F, PC, .5C, C, P, PF,
SQ, .5W)? - 🧠 ANSWER ✔✔walls, walls and ceiling, floor, perimeter ceiling,
half ceiling, ceiling, perimeter, perimeter floor, square, half wall
What do these codes mean in Xactimate ( -, +, &, R, AV-, AV, AV+, AV++)?
- 🧠 ANSWER ✔✔remove, replace, remove and replace, detach and reset,
standard grade, average grade, high grade, premium grade)
How do you determine replacement cost of a home? - 🧠 ANSWER ✔✔living
area sq footage multiplied by current construction cost in area
Area of a wall? - 🧠 ANSWER ✔✔length x height
, Area of ceiling? - 🧠 ANSWER ✔✔length x width
Area of floor? - 🧠 ANSWER ✔✔length x width
How do you convert inches to a decimal? - 🧠 ANSWER ✔✔divide the inch
by 12
Over and above normal expenses (i.e. hotel stay) - 🧠 ANSWER
✔✔Additional Living Expenses (ALE)
If you have a percentage deductible where is that percentage always taken
from? - 🧠 ANSWER ✔✔Coverage A Limit of Liability
What does Coverage A mean? - 🧠 ANSWER ✔✔Structure or Dwelling
What does Coverage B mean? - 🧠 ANSWER ✔✔Personal property or
contents
Maximum amount of coverage available - 🧠 ANSWER ✔✔Limit of Liablity
How do you tell the difference between structure and contents? - 🧠
ANSWER ✔✔if removal of item will diminish value of home
3 steps to handle content claim - 🧠 ANSWER ✔✔Determine deductible,
determine where loss occurred, do calculations
COPYRIGHT©NINJANERD 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE. PRIVACY
STATEMENT. ALL RIGHTS RESERVED
3
Questions and Verified Answers
| Already Graded A+
Gable roofs have what waste factor so multiply what by what? - 🧠 ANSWER
✔✔10% removal squares by 1.10
Hip roofs have what waste factor so multiply what by what? - 🧠 ANSWER
✔✔15% removal squares by 1.15
Always round composition and laminate shingle replacement to? - 🧠
ANSWER ✔✔.33, .67, or whole number
,Always round wood shingle replacement to? - 🧠 ANSWER ✔✔.25, .50, .75,
or whole number
Gable roof square footage calculated by up and over explain? - 🧠 ANSWER
✔✔Up- eave to ridge + eave to ridge
Over- length of ridge
Hip roof square footage calculated by up and over explain? - 🧠 ANSWER
✔✔Up- eave to ridge + eave to ridge
Over- end of eave to end of eave
What do these codes mean in Xactimate ( W, WC, F, PC, .5C, C, P, PF,
SQ, .5W)? - 🧠 ANSWER ✔✔walls, walls and ceiling, floor, perimeter ceiling,
half ceiling, ceiling, perimeter, perimeter floor, square, half wall
What do these codes mean in Xactimate ( -, +, &, R, AV-, AV, AV+, AV++)?
- 🧠 ANSWER ✔✔remove, replace, remove and replace, detach and reset,
standard grade, average grade, high grade, premium grade)
How do you determine replacement cost of a home? - 🧠 ANSWER ✔✔living
area sq footage multiplied by current construction cost in area
Area of a wall? - 🧠 ANSWER ✔✔length x height
, Area of ceiling? - 🧠 ANSWER ✔✔length x width
Area of floor? - 🧠 ANSWER ✔✔length x width
How do you convert inches to a decimal? - 🧠 ANSWER ✔✔divide the inch
by 12
Over and above normal expenses (i.e. hotel stay) - 🧠 ANSWER
✔✔Additional Living Expenses (ALE)
If you have a percentage deductible where is that percentage always taken
from? - 🧠 ANSWER ✔✔Coverage A Limit of Liability
What does Coverage A mean? - 🧠 ANSWER ✔✔Structure or Dwelling
What does Coverage B mean? - 🧠 ANSWER ✔✔Personal property or
contents
Maximum amount of coverage available - 🧠 ANSWER ✔✔Limit of Liablity
How do you tell the difference between structure and contents? - 🧠
ANSWER ✔✔if removal of item will diminish value of home
3 steps to handle content claim - 🧠 ANSWER ✔✔Determine deductible,
determine where loss occurred, do calculations
COPYRIGHT©NINJANERD 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE. PRIVACY
STATEMENT. ALL RIGHTS RESERVED
3
