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SUPER-DUPER TEXAS ADJUSTER LICENSE EXAM LATEST 2026
ACTUAL EXAM WITH COMPLETE QUESTIONS AND CORRECT
DETAILED ANSWERS (100% VERIFIED ANSWERS) |ALREADY
GRADED A+| ||PROFESSOR VERIFIED|| ||BRANDNEW!!!||
Dwelling Policy: Coverage B - Appurtenant Structures in a
Dwelling Policy covers ____% of ____________ dwelling
coverage for DP-2 and DP-3 and ____% of ___________
dwelling coverage for DP-1. If a policy has $100,000 limit for
Coverage A, Then Coverage B would be ________ - ANSWER-
10% additional, 10% inclusive, $10,000
Dwelling Policy: part of a Dwelling Policy that reimburses for "fair
rental value" when the premises are uninhabitable because of a
direct loss caused by a covered peril. - ANSWER-Coverage D --
Fair Rental Value/Loss of Use
Dwelling Policy: If an insured is losing rental income because of a
loss caused by a covered peril, what is the timeframe that
coverage D covers the loss of rental income? (Time to repair or
replace damaged property OR time it takes to re-rent the
property?) - ANSWER-Coverage D Covers the shortest time
frame needed to repair or replace the damaged property to a
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normal state NOT the time it takes to find another tenant to rent
the property
Dwelling Policy: An insured has a dp-3 policy for her townhome
that she rents . Cov A is $200,000 The townhome is destroyed in
a recent storm along with the detached garage which is valued at
$15,000. One of the tenant's vehicles was in the garage and was
destroyed as well. The vehicle has a Kelly Blue Book Value of
$9500. It takes 9 months for the contractor to rebuild the
townhome. Each unit of the 3-family property rents for $1,200 per
month. Ignoring any deductible, how much will the policy pay? -
ANSWER-> DP-3 Special Form settles RCV for Cov A & B --
Dwelling and Appurtenant Structures and ACV for Coverage C --
Contents
> Coverage A -- Dwelling -- Total loss is covered at $200,000
> Coverage B -- Appurtenant Structures -- is covered at 10% of
Coverage A additional coverage which allows for up to $20,000
coverage. The garage is covered at $15,000
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> Coverage D -- Fair Rental Value/Loss of Use -- is covered at
10% of Coverage A additional coverage which allows for $20,000
coverage. The insured would receive $3,600 per month from all
three units for 9 months which is $32,400. The Fair Rental
Value/Loss of Use is covered at $20,000
> The Tenants $9500 vehicle that was lost is not covered
> The Policy would pay -- $200,000 (dwelling) + $15,000
(detached garage) + $20,000 (rental income) for a total of
$235,000
Dwelling Policy: What does a dwelling policy pay for reasonable
repairs to protect property damaged by a covered peril from
further damage? - ANSWER-the additional coverage "reasonable
repairs" pays whatever is a reasonable cost to make necessary
repairs
Dwelling Policy: What is the coverage per tree, shrub and other
plants that a DP policy will pay? - ANSWER-Most all insurance
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policies will pay up to $500 for any one tree, shrub or plant and
not more than 5% of Coverage A
Dwelling Policy: Debris Removal coverage for trees applies only if
the tree(s) are felled by _____________________ It also applies
if a neighbor's tree falls and damages your home or other
structures or does not damage property, but instead does what?
___________________________ - ANSWER-> windstorm, hail,
snow, sleet, or weight of ice
>If it blocks a driveway or a handicap ramp
Dwelling Policy: What are the 3 DP-1 Basic Form named perils? -
ANSWER-(1) Fire
(2) Lightning
(3) Internal Explosion
Dwelling Policy: What are the 9 extended coverage perils that are
only available by endorsement in a DP-1, but are automatically
included in a DP-2 and DP-3? - ANSWER-WCSHAVVER perils
1) Windstorm
SUPER-DUPER TEXAS ADJUSTER LICENSE EXAM LATEST 2026
ACTUAL EXAM WITH COMPLETE QUESTIONS AND CORRECT
DETAILED ANSWERS (100% VERIFIED ANSWERS) |ALREADY
GRADED A+| ||PROFESSOR VERIFIED|| ||BRANDNEW!!!||
Dwelling Policy: Coverage B - Appurtenant Structures in a
Dwelling Policy covers ____% of ____________ dwelling
coverage for DP-2 and DP-3 and ____% of ___________
dwelling coverage for DP-1. If a policy has $100,000 limit for
Coverage A, Then Coverage B would be ________ - ANSWER-
10% additional, 10% inclusive, $10,000
Dwelling Policy: part of a Dwelling Policy that reimburses for "fair
rental value" when the premises are uninhabitable because of a
direct loss caused by a covered peril. - ANSWER-Coverage D --
Fair Rental Value/Loss of Use
Dwelling Policy: If an insured is losing rental income because of a
loss caused by a covered peril, what is the timeframe that
coverage D covers the loss of rental income? (Time to repair or
replace damaged property OR time it takes to re-rent the
property?) - ANSWER-Coverage D Covers the shortest time
frame needed to repair or replace the damaged property to a
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normal state NOT the time it takes to find another tenant to rent
the property
Dwelling Policy: An insured has a dp-3 policy for her townhome
that she rents . Cov A is $200,000 The townhome is destroyed in
a recent storm along with the detached garage which is valued at
$15,000. One of the tenant's vehicles was in the garage and was
destroyed as well. The vehicle has a Kelly Blue Book Value of
$9500. It takes 9 months for the contractor to rebuild the
townhome. Each unit of the 3-family property rents for $1,200 per
month. Ignoring any deductible, how much will the policy pay? -
ANSWER-> DP-3 Special Form settles RCV for Cov A & B --
Dwelling and Appurtenant Structures and ACV for Coverage C --
Contents
> Coverage A -- Dwelling -- Total loss is covered at $200,000
> Coverage B -- Appurtenant Structures -- is covered at 10% of
Coverage A additional coverage which allows for up to $20,000
coverage. The garage is covered at $15,000
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> Coverage D -- Fair Rental Value/Loss of Use -- is covered at
10% of Coverage A additional coverage which allows for $20,000
coverage. The insured would receive $3,600 per month from all
three units for 9 months which is $32,400. The Fair Rental
Value/Loss of Use is covered at $20,000
> The Tenants $9500 vehicle that was lost is not covered
> The Policy would pay -- $200,000 (dwelling) + $15,000
(detached garage) + $20,000 (rental income) for a total of
$235,000
Dwelling Policy: What does a dwelling policy pay for reasonable
repairs to protect property damaged by a covered peril from
further damage? - ANSWER-the additional coverage "reasonable
repairs" pays whatever is a reasonable cost to make necessary
repairs
Dwelling Policy: What is the coverage per tree, shrub and other
plants that a DP policy will pay? - ANSWER-Most all insurance
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policies will pay up to $500 for any one tree, shrub or plant and
not more than 5% of Coverage A
Dwelling Policy: Debris Removal coverage for trees applies only if
the tree(s) are felled by _____________________ It also applies
if a neighbor's tree falls and damages your home or other
structures or does not damage property, but instead does what?
___________________________ - ANSWER-> windstorm, hail,
snow, sleet, or weight of ice
>If it blocks a driveway or a handicap ramp
Dwelling Policy: What are the 3 DP-1 Basic Form named perils? -
ANSWER-(1) Fire
(2) Lightning
(3) Internal Explosion
Dwelling Policy: What are the 9 extended coverage perils that are
only available by endorsement in a DP-1, but are automatically
included in a DP-2 and DP-3? - ANSWER-WCSHAVVER perils
1) Windstorm
