WEST VIRGINIA ADJUSTER EXAM 6 2026
WITH 100% ACCURATE ANSWERS
1. Which of the following must an adjuster register with the state?
Personal phone number
Home address
Business address
Social security number
2. Why is it necessary for a company adjuster to obtain permission from
the Principal before purchasing a salvage vehicle?
It is a legal requirement mandated by state law.
It ensures compliance with company policies and prevents
conflicts of interest.
It simplifies the claims process for the policyholder.
It allows the adjuster to act independently.
3. Which West Virginia law provides that the allocation of damages
applicable to each person is to be in direct proportion to that person's
percentage of fault?
Surplus Lines Licensing Law
Valued Policy law
Personal Liability Producer Law
Comparative Negligence Law
,4. If an insurance adjuster receives a request for information from a state
fire marshall but has incomplete data, what should the adjuster do to
comply with regulations?
, Contact the policyholder for additional information before
responding.
Refuse to provide any information until all data is complete.
Only provide information that supports the insurance company's
position.
Gather all available information and provide it to the fire
marshall, noting any gaps in data.
5. Describe the role of a public adjuster in the context of insurance claims.
A public adjuster assists the insured in negotiating and settling
their insurance claims.
A public adjuster is responsible for underwriting policies.
A public adjuster provides legal advice to the insured.
A public adjuster evaluates claims for the insurance company.
6. Which party in the surety bond contract is the party that is guaranteeing
the work or performance of a second party?
The policyholder
The surety
The obligee
The principal
7. What is the term used to describe the state where an insurance adjuster
is licensed to operate as a resident adjuster?
Home State
Principal State
Resident State
, Adjuster State
8. Each adjuster must file with the Commissioner all of the following
information EXCEPT:
Phone number
Home address
PO box number of the business if street address is not numbered
Business address
9. Discuss the implications of the insurance policy in the scenario where a
fire occurs in a mortgaged house with tenants.
The MLS bank will receive payment for the damages to the
house.
John and Linda will receive payment for the damages, while the
tenant will receive compensation for loss of personal property.
All parties involved will receive payment for their respective
losses.
The tenant is not entitled to receive payment from the
insurance policy, as they do not hold ownership of the
property.
10. The insured has two separate Dwelling policies that cover the same
property: Policy A for 30k and Policy B for 60k. If the insured suffers a
$12k loss, how much will be paid under policy B according to the
insurance?
$12000
$8000
$6000
$4000
WITH 100% ACCURATE ANSWERS
1. Which of the following must an adjuster register with the state?
Personal phone number
Home address
Business address
Social security number
2. Why is it necessary for a company adjuster to obtain permission from
the Principal before purchasing a salvage vehicle?
It is a legal requirement mandated by state law.
It ensures compliance with company policies and prevents
conflicts of interest.
It simplifies the claims process for the policyholder.
It allows the adjuster to act independently.
3. Which West Virginia law provides that the allocation of damages
applicable to each person is to be in direct proportion to that person's
percentage of fault?
Surplus Lines Licensing Law
Valued Policy law
Personal Liability Producer Law
Comparative Negligence Law
,4. If an insurance adjuster receives a request for information from a state
fire marshall but has incomplete data, what should the adjuster do to
comply with regulations?
, Contact the policyholder for additional information before
responding.
Refuse to provide any information until all data is complete.
Only provide information that supports the insurance company's
position.
Gather all available information and provide it to the fire
marshall, noting any gaps in data.
5. Describe the role of a public adjuster in the context of insurance claims.
A public adjuster assists the insured in negotiating and settling
their insurance claims.
A public adjuster is responsible for underwriting policies.
A public adjuster provides legal advice to the insured.
A public adjuster evaluates claims for the insurance company.
6. Which party in the surety bond contract is the party that is guaranteeing
the work or performance of a second party?
The policyholder
The surety
The obligee
The principal
7. What is the term used to describe the state where an insurance adjuster
is licensed to operate as a resident adjuster?
Home State
Principal State
Resident State
, Adjuster State
8. Each adjuster must file with the Commissioner all of the following
information EXCEPT:
Phone number
Home address
PO box number of the business if street address is not numbered
Business address
9. Discuss the implications of the insurance policy in the scenario where a
fire occurs in a mortgaged house with tenants.
The MLS bank will receive payment for the damages to the
house.
John and Linda will receive payment for the damages, while the
tenant will receive compensation for loss of personal property.
All parties involved will receive payment for their respective
losses.
The tenant is not entitled to receive payment from the
insurance policy, as they do not hold ownership of the
property.
10. The insured has two separate Dwelling policies that cover the same
property: Policy A for 30k and Policy B for 60k. If the insured suffers a
$12k loss, how much will be paid under policy B according to the
insurance?
$12000
$8000
$6000
$4000
