ADJUSTER PRO INDIANA ADJUSTER'S
LICENSE EXAM PAPER 2026 COMPLETE
QUESTIONS AND ANSWERS GRADED A+
◉Which of the following expenses would NOT be covered under a
homeowners policy additional coverage called Claims Expenses?
A. Interest accrual on judgements
B. Administrative costs related to renewing the insured's policy
C. Premiums for bonds required in a lawsuit defended by the insurer
D. Up to $250 per day for the insured's lost wages while the insured
is helping with the claim investigation. Answer: B
◉A neighbor stepped on a rusty rake while walking through Jake's
backyard, unannounced. He ends up with a bad case of tetanus and
has to stay in the hospital for three days. He files a claim against
Jake, who protests any wrongdoing because he believes his neighbor
was trespassing and should be responsible for his own injury. Jake
wants a court of law to settle the dispute. How can the insurer settle
the claim put forth by Jake's neighbor?
,A. The insurer can settle anyway it finds advantageous to its
interests.
B. The insurer must use arbitration since Jake feels he is not at fault.
C. The insurer can only settle in court if Jake demands a lawsuit.
D. The insurer must settle however Jake's neighbor wishes.. Answer:
A
◉Frances is visiting her mom's grave and notices that several
headstones in the cemetery have been defaced with spray-paint,
including her mother's. Frances hires a professional cleaning service
to remove the spray-paint from her mother's headstone. Which type
of additional coverage in her homeowners policy could help Frances
with the cost of removing the paint?
A. None
B. Grave Markers coverage
C. Reasonable repairs coverage
D. Debris Removal coverage. Answer: B
◉Following a covered loss, which of these expenses would NOT be
covered under Coverage F - Medical Payments in a homeowners
policy?
A. Funeral services
,B. Dental costs
C. Hospital stays
D. Weight loss surgery. Answer: D
◉Paul lives in an area where property values are appreciating
rapidly. He would like his homeowner's policy to reflect the increase
in the value of his home. Which endorsement might Paul purchase to
accomplish this?
A. Inflation Guard
B. Increased Limits on Personal Property
C. Additional Structures
D. Valuation Endorsement. Answer: A
◉Under Coverage F - Medical Payments to Others, the Payment of
Claim provision states:
A. all payments made under Coverage F will be paid at actual cash
value.
B. Coverage F is voluntary coverage: even if a claim is paid, it is not
an admission of the insurer's liability.
C. no payments will be made until the insurer's liability has been
determined.
, Under Coverage F - Medical Payments to Others, the Payment of
Claim provision states that Coverage F is voluntary coverage: even if
a claim is paid, it is not an admission of the insurer's liability.
D. the insurer reserves the right to demand a proof of loss before
paying an indemnity under Coverage F.. Answer: B
◉Ron works from home. After a kitchen fire renders his home
uninhabitable, he is forced to rent an apartment in town while the
repairs are made. Which type of coverage could help Ron pay the
cost of renting the apartment?
A. Coverage B - Other Structures
B. Coverage A - Dwelling
C. None
D. Coverage D - Loss of Use. Answer: D
◉John's home is totally destroyed by a fire, and along with it most of
his personal property. A few of the items were scheduled in his
homeowners policy, such as his Rolex watch and a few antiques, but
everything else was left as "unscheduled property." These
"unscheduled" items,
A. will not be covered.
The Scheduled Personal Property endorsement is used to list (or
schedule) certain items with higher coverage limits. Otherwise, all
LICENSE EXAM PAPER 2026 COMPLETE
QUESTIONS AND ANSWERS GRADED A+
◉Which of the following expenses would NOT be covered under a
homeowners policy additional coverage called Claims Expenses?
A. Interest accrual on judgements
B. Administrative costs related to renewing the insured's policy
C. Premiums for bonds required in a lawsuit defended by the insurer
D. Up to $250 per day for the insured's lost wages while the insured
is helping with the claim investigation. Answer: B
◉A neighbor stepped on a rusty rake while walking through Jake's
backyard, unannounced. He ends up with a bad case of tetanus and
has to stay in the hospital for three days. He files a claim against
Jake, who protests any wrongdoing because he believes his neighbor
was trespassing and should be responsible for his own injury. Jake
wants a court of law to settle the dispute. How can the insurer settle
the claim put forth by Jake's neighbor?
,A. The insurer can settle anyway it finds advantageous to its
interests.
B. The insurer must use arbitration since Jake feels he is not at fault.
C. The insurer can only settle in court if Jake demands a lawsuit.
D. The insurer must settle however Jake's neighbor wishes.. Answer:
A
◉Frances is visiting her mom's grave and notices that several
headstones in the cemetery have been defaced with spray-paint,
including her mother's. Frances hires a professional cleaning service
to remove the spray-paint from her mother's headstone. Which type
of additional coverage in her homeowners policy could help Frances
with the cost of removing the paint?
A. None
B. Grave Markers coverage
C. Reasonable repairs coverage
D. Debris Removal coverage. Answer: B
◉Following a covered loss, which of these expenses would NOT be
covered under Coverage F - Medical Payments in a homeowners
policy?
A. Funeral services
,B. Dental costs
C. Hospital stays
D. Weight loss surgery. Answer: D
◉Paul lives in an area where property values are appreciating
rapidly. He would like his homeowner's policy to reflect the increase
in the value of his home. Which endorsement might Paul purchase to
accomplish this?
A. Inflation Guard
B. Increased Limits on Personal Property
C. Additional Structures
D. Valuation Endorsement. Answer: A
◉Under Coverage F - Medical Payments to Others, the Payment of
Claim provision states:
A. all payments made under Coverage F will be paid at actual cash
value.
B. Coverage F is voluntary coverage: even if a claim is paid, it is not
an admission of the insurer's liability.
C. no payments will be made until the insurer's liability has been
determined.
, Under Coverage F - Medical Payments to Others, the Payment of
Claim provision states that Coverage F is voluntary coverage: even if
a claim is paid, it is not an admission of the insurer's liability.
D. the insurer reserves the right to demand a proof of loss before
paying an indemnity under Coverage F.. Answer: B
◉Ron works from home. After a kitchen fire renders his home
uninhabitable, he is forced to rent an apartment in town while the
repairs are made. Which type of coverage could help Ron pay the
cost of renting the apartment?
A. Coverage B - Other Structures
B. Coverage A - Dwelling
C. None
D. Coverage D - Loss of Use. Answer: D
◉John's home is totally destroyed by a fire, and along with it most of
his personal property. A few of the items were scheduled in his
homeowners policy, such as his Rolex watch and a few antiques, but
everything else was left as "unscheduled property." These
"unscheduled" items,
A. will not be covered.
The Scheduled Personal Property endorsement is used to list (or
schedule) certain items with higher coverage limits. Otherwise, all
