West Virginia Adjuster Exam 6| Ques ons and answers
| Updated RATED A+ | 2026
Which of the following is NOT one of the criteria that makes acceptance of an offer to contract
legally enforceable?
The offeree must have no more than one s pula on.
Lawrence is 24, but he gives his age as 26 on his car insurance applica on because he hopes this
will get him a be$er rate. Lawrence's ac ons could best be described as:
misrepresenta on.
When an insured signs a document acknowledging that he gives up his right to a certain
coverage, such as uninsured motorist coverage in an auto policy, this is called:
an express waiver.
Ronald always drives with his windows rolled down because he loves the feeling of the wind in
his hair. However, he o+en forgets to roll his windows up when he gets out of the car. Of course,
this behavior makes it easier for thieves to steal his belongings from the car, but Ronald can't
help being forge,ul. Ronald's behavior would be considered a:
morale hazard.
During a storm, lightning strikes a tree in Norman's back yard, causing it to fall on his house and
damage his roof. In this case, Norman's fallen tree is considered:
.a direct loss.
An economic device used to protect against the risk of realizing unforeseen and extraordinary
financial loss is called:
insurance.
When Shawn purposefully caused fire damage to Jim's restaurant, Jim's insurer paid the claim
and then pursued Shawn for the damages, but Jim is s ll pre$y mad about the whole deal and
wants to sue Shawn as well. Why is it NOT possible for Jim to sue Shawn?
Jim has already received an indemnity from his insurer.
Which of the following does NOT apply to Tort Law?
The state charges the defendant
, If Brigi$a applies for insurance, the insurer will probably issue her a temporary policy so she can
be covered while they come to a decision about her applica on. This is called:
a binder.
Which of the following ac vi es is a specula ve risk?
Be5ng on a horse race
A+er a fire destroys Gale's kitchen, she files a claim with her insurer and hires a contractor. The
contractor es mates it will take $42,250 to repair the damage, but the adjuster es mates it will
only take $38,340. Which of the following is the best op on for the adjuster's response to Gale's
claim?
Nego ate a se$lement amount with Gale.
"We will provide the insurance described in this policy in return for the premium and
compliance with all applicable provisions of this policy." In which sec on of the insurance policy
would this statement be found?
Insuring Agreement
A hailstorm moves over Erin's restaurant. Large hailstones break through a cracked skylight, and
water pours in and damages the flooring in the restaurant. Addi onally, the electrical system in
the building shorts out, and Erin has to close the restaurant for three days. The restaurant's
income lost because of the physical damages would be considered:
an indirect loss.
Which Dwelling policy form provides open-peril coverage?
DP-3
Which of these statements about the Signs Business Floater is FALSE?
It does not cover signs belonging to other people that are in the insured's care.
The Standard Fire Policy had four main parts. They were:
Declara ons, Insuring Agreement, Condi ons, and Exclusions.
All of the following lines of coverage may be offered in a Commercial Package Policy, except:
Workers' Compensa on.
Which of these businesses may qualify for a Business Owners Policy?
An apartment building
| Updated RATED A+ | 2026
Which of the following is NOT one of the criteria that makes acceptance of an offer to contract
legally enforceable?
The offeree must have no more than one s pula on.
Lawrence is 24, but he gives his age as 26 on his car insurance applica on because he hopes this
will get him a be$er rate. Lawrence's ac ons could best be described as:
misrepresenta on.
When an insured signs a document acknowledging that he gives up his right to a certain
coverage, such as uninsured motorist coverage in an auto policy, this is called:
an express waiver.
Ronald always drives with his windows rolled down because he loves the feeling of the wind in
his hair. However, he o+en forgets to roll his windows up when he gets out of the car. Of course,
this behavior makes it easier for thieves to steal his belongings from the car, but Ronald can't
help being forge,ul. Ronald's behavior would be considered a:
morale hazard.
During a storm, lightning strikes a tree in Norman's back yard, causing it to fall on his house and
damage his roof. In this case, Norman's fallen tree is considered:
.a direct loss.
An economic device used to protect against the risk of realizing unforeseen and extraordinary
financial loss is called:
insurance.
When Shawn purposefully caused fire damage to Jim's restaurant, Jim's insurer paid the claim
and then pursued Shawn for the damages, but Jim is s ll pre$y mad about the whole deal and
wants to sue Shawn as well. Why is it NOT possible for Jim to sue Shawn?
Jim has already received an indemnity from his insurer.
Which of the following does NOT apply to Tort Law?
The state charges the defendant
, If Brigi$a applies for insurance, the insurer will probably issue her a temporary policy so she can
be covered while they come to a decision about her applica on. This is called:
a binder.
Which of the following ac vi es is a specula ve risk?
Be5ng on a horse race
A+er a fire destroys Gale's kitchen, she files a claim with her insurer and hires a contractor. The
contractor es mates it will take $42,250 to repair the damage, but the adjuster es mates it will
only take $38,340. Which of the following is the best op on for the adjuster's response to Gale's
claim?
Nego ate a se$lement amount with Gale.
"We will provide the insurance described in this policy in return for the premium and
compliance with all applicable provisions of this policy." In which sec on of the insurance policy
would this statement be found?
Insuring Agreement
A hailstorm moves over Erin's restaurant. Large hailstones break through a cracked skylight, and
water pours in and damages the flooring in the restaurant. Addi onally, the electrical system in
the building shorts out, and Erin has to close the restaurant for three days. The restaurant's
income lost because of the physical damages would be considered:
an indirect loss.
Which Dwelling policy form provides open-peril coverage?
DP-3
Which of these statements about the Signs Business Floater is FALSE?
It does not cover signs belonging to other people that are in the insured's care.
The Standard Fire Policy had four main parts. They were:
Declara ons, Insuring Agreement, Condi ons, and Exclusions.
All of the following lines of coverage may be offered in a Commercial Package Policy, except:
Workers' Compensa on.
Which of these businesses may qualify for a Business Owners Policy?
An apartment building
