CALIFORNIA ADJUSTER UPDATED FINAL PAPER
QUESTIONS AND ANSWERS GRADED A+
✔✔Covered perils - ✔✔Which if the following topics would NOT likely be found. In the
conditions section if the standard fire policy?
✔✔Personal property - ✔✔Clark lost power to his home when a windstorm blew the roof
off his house. as a result he lost several hundred dollars worth of meat that he was
keeping ina freezer in his basement . Which homeowners coverage might indemnify
Clark for his loss of meat?
✔✔Homeowners 6 (Unit-Owners Form) - ✔✔Which ISO form is known as as Condo
form?
✔✔Fire Dept Service Charge - ✔✔Which of these homeowners policy coverages does
NOT usually have a deductible?
✔✔Neighbors injury's - ✔✔Who s injuries will be covered by Jake homeowners policy
under coverage E personal liability ?
✔✔Additional Living Expenses two weeks when forced out by civil authority -
✔✔Increases living expenses covered due to mandatory evacuation
✔✔HO 3 - ✔✔Open perils for structure and detached garage and named perils for
personal property
✔✔Sofa and lap tops - ✔✔What is covered under Coverage C HO 3 during a power
surge form a lightening strike?
✔✔$25000 - ✔✔A typical homeowners policy with. 250,000 limit for coverage A dwelling
will automatically have how much coverage for other structures? Yes
✔✔HO-2 - ✔✔Cheapest policy option to protect financial interests in home
✔✔10 % of what coverage A dwelling was purchased - ✔✔Coverage B other structures
HO
✔✔Coverage F - ✔✔Which part of the homeboy policy provides coverage for medical
expenses of third parties who are injured on your property ?
✔✔personal liability - ✔✔Coverage E refers to which part of the HO policy?
✔✔Loss of rental income after damage to a rental unit has been fixed but no new renter
has been found - ✔✔In a Homeowners policy. Coverage D loss of use will NOT cover
, ✔✔pets - ✔✔What is not covered by Coverage C personal property on HO?
✔✔$500 per tree - ✔✔Additional coverage tree and shrub replacement will pay
✔✔$2500 - ✔✔A typical homeowners policy without a home business endorsement has
how much coverage available for business personal property ?
✔✔Fencing and the Furniture - ✔✔A windstorm causes damage on a property covered
by DP 2
There is a downed fence some furniture gets water damage from rainwater that enters
through a hole in the damages roof and tree bus blown down
Aside from the roof what if anything is covered ?
✔✔DP-1 Basic Form - ✔✔Named peril ACV
✔✔DP 1 - ✔✔Covers fire lightening and internal explosions
✔✔James' appliances - ✔✔James rents a home to Jill and maintains. A DP 3 policy in
the dwelling
One day Jill leaves the oven on all day while she is out and James house burns down to
the ground and all the contents what is covered under coverage C in James DP 3?
✔✔Internal explosion - ✔✔In basic dwelling. Form policy there are three. Covered perils
. Fire , lightening and
✔✔Annual Depreciation - ✔✔Which if the following is not an endorsement commonly
added to a dwelling policy?
✔✔liability to damages - ✔✔An unendorsed dwelling policy is intended to cover all the
following EXCEPT
✔✔DP3 - ✔✔Which dwelling policy form provides open perils coveage
✔✔structure - ✔✔In a dwelling policy coverage A provided protection for
✔✔$100000 - ✔✔What is limit if coverage L personnel liability supplement in a dwelling
policy
✔✔Coverage for BI and PD to a third party which the insured is liable - ✔✔Coverage L
I'm a personal liability supplement provides
✔✔ACV - ✔✔Which of the following provides the most limited coverage. For a
homeowner?
QUESTIONS AND ANSWERS GRADED A+
✔✔Covered perils - ✔✔Which if the following topics would NOT likely be found. In the
conditions section if the standard fire policy?
✔✔Personal property - ✔✔Clark lost power to his home when a windstorm blew the roof
off his house. as a result he lost several hundred dollars worth of meat that he was
keeping ina freezer in his basement . Which homeowners coverage might indemnify
Clark for his loss of meat?
✔✔Homeowners 6 (Unit-Owners Form) - ✔✔Which ISO form is known as as Condo
form?
✔✔Fire Dept Service Charge - ✔✔Which of these homeowners policy coverages does
NOT usually have a deductible?
✔✔Neighbors injury's - ✔✔Who s injuries will be covered by Jake homeowners policy
under coverage E personal liability ?
✔✔Additional Living Expenses two weeks when forced out by civil authority -
✔✔Increases living expenses covered due to mandatory evacuation
✔✔HO 3 - ✔✔Open perils for structure and detached garage and named perils for
personal property
✔✔Sofa and lap tops - ✔✔What is covered under Coverage C HO 3 during a power
surge form a lightening strike?
✔✔$25000 - ✔✔A typical homeowners policy with. 250,000 limit for coverage A dwelling
will automatically have how much coverage for other structures? Yes
✔✔HO-2 - ✔✔Cheapest policy option to protect financial interests in home
✔✔10 % of what coverage A dwelling was purchased - ✔✔Coverage B other structures
HO
✔✔Coverage F - ✔✔Which part of the homeboy policy provides coverage for medical
expenses of third parties who are injured on your property ?
✔✔personal liability - ✔✔Coverage E refers to which part of the HO policy?
✔✔Loss of rental income after damage to a rental unit has been fixed but no new renter
has been found - ✔✔In a Homeowners policy. Coverage D loss of use will NOT cover
, ✔✔pets - ✔✔What is not covered by Coverage C personal property on HO?
✔✔$500 per tree - ✔✔Additional coverage tree and shrub replacement will pay
✔✔$2500 - ✔✔A typical homeowners policy without a home business endorsement has
how much coverage available for business personal property ?
✔✔Fencing and the Furniture - ✔✔A windstorm causes damage on a property covered
by DP 2
There is a downed fence some furniture gets water damage from rainwater that enters
through a hole in the damages roof and tree bus blown down
Aside from the roof what if anything is covered ?
✔✔DP-1 Basic Form - ✔✔Named peril ACV
✔✔DP 1 - ✔✔Covers fire lightening and internal explosions
✔✔James' appliances - ✔✔James rents a home to Jill and maintains. A DP 3 policy in
the dwelling
One day Jill leaves the oven on all day while she is out and James house burns down to
the ground and all the contents what is covered under coverage C in James DP 3?
✔✔Internal explosion - ✔✔In basic dwelling. Form policy there are three. Covered perils
. Fire , lightening and
✔✔Annual Depreciation - ✔✔Which if the following is not an endorsement commonly
added to a dwelling policy?
✔✔liability to damages - ✔✔An unendorsed dwelling policy is intended to cover all the
following EXCEPT
✔✔DP3 - ✔✔Which dwelling policy form provides open perils coveage
✔✔structure - ✔✔In a dwelling policy coverage A provided protection for
✔✔$100000 - ✔✔What is limit if coverage L personnel liability supplement in a dwelling
policy
✔✔Coverage for BI and PD to a third party which the insured is liable - ✔✔Coverage L
I'm a personal liability supplement provides
✔✔ACV - ✔✔Which of the following provides the most limited coverage. For a
homeowner?
