Insurance Adjuster Exam Questions and Answers Updated 2026

Insurance Adjuster
Exam Questions and
Answers Updated 2026
WhichBkindBofBlossesBareBcoveredBunderBaBstandardBfireBpolicy?B-BAnswerDirect



AllBfiresBareBnotBcoveredBbyBtheBStandardBFireBpolicies,BonlyBthoseBthat:B-
BAnswerareBhostileBandBhaveBaBflameBorBglow



AtBwhatBtimeBdoesBaBfireBpolicyBgoBintoBaffect?B-
BAnswer12:01amBstandardBtimeBatBtheBlocationBofBtheBinsured'sBproperty



ABpropertyBisBinsuredBunderBtwoBStandardBFireBpoliciesBforB$25,000Beach.BABfireBcaus
esB$10,000BworthBofBdamage.BWhatBisBtheBmaximumBamountBtheBinsuredBmayBcollec
tBunderBeachBpolicy?B-BAnswer$5,000



ABfireBburningBinBtheBmiddleBofBtheBlivingBroomBwouldBbeBconsidered:B-
BAnsweraBhostileBfire



AnBinsured'sBhouseBisBdamagedBbyBfireBcausedBbyBaBneighbor'sBnegligence.BTheBinsura
nceBcompanyBwillBattemptBtoBrecoverBdamageBfromBtheBneighbor.BThisBisBcalled:B-
BAnswersubrogation



WhichBofBtheBfollowingBstatementsBareBtrueBconcerningBrequirementsBofBtheBstandard
BfireBpolicy?B-
BAnswerTheBinsuredBmustBseparateBdamagedBfromBundamagedBpropertyBinBtheBeventB
thereBisBaBlossBANDBIfBaBlossBoccurs,BtheBinsuredBnormallyBhasB60BdaysBtoBfileBaBpro
ofBofBlossBwithBtheBinsurer



WhichBtypesBofBpropertyBareBexcludedBfromBcoverageBunderBtheBbasicBfireBpolicy?B-
BAnsweraccounts,Bcurrency,Bdeeds,BandBsecurities

,WhoBisBinsuredBunderBtheBStandardBFireBpolicy?B-
BAnswertheBnamedBinsuredBandBhisBlegalBrepresentatives



AnBagreementBwhichBaffordsBtemporaryBinsuranceBprotectionBuntilBtheBpolicyBisBissued
BisBcalled:B-BAnsweraBbinder



asBaBgeneralBrule,BaBcompleteBfireBinsuranceBpolicyBwouldBbeBmadeBupBof:B-
BAnswertheBStandardBFireBpolicyBwithBoneBorBmoreBformsBattached



TheBoneBconditionBlistedBbelowBwhichBwillBnotBvoidBaBfireBpolicy:B

a)BfalseBswearing

b)Bmisrepresentation

c)Bover-insurance

d)BconcealmentB-BAnswerover-insurance



replacementBcostBminusBdepreciation:B-BAnswerActualBCashBValueB(ACV)



TheBStandardBFireBpolicyBwithBanBextendedBcoverageBendorsementBattachedBcoversBw
hichBofBtheBfollowing:B-BAnswerriot



ABlossBdueBtoBorderBofBCivilBAuthority:B-
BAnswerisBexcludedBunlessBtheBlossBoccursBbecauseBofBanBorderBbyBCivilBAuthoritiesBf
orBtheBpurposeBofBcontrollingBaBfire



TheBtermB"unoccupancy"BrefersBtoBtheBabsenceBofB:B-BAnswerpersonsBfromBaBbuilding



SupposeBaBfireBoccursBonBFebruaryB26th.BOnBAprilB30th,BtheBinsuranceBcompanyBnotifi
esBtheBmortgageeBtheBinsuredBhasBnotBfiledBaBproofBofBloss.BToBprotectBtheirBinterest,
BtheBmortgageeBmustBfileBaBproofBofBlossBwithinB_________BdaysBafterBwhatBdate?B-
BAnswer60BdaysBafterBAprilB30th

, ForBrecoveryBunderBtheBStandardBFireBpolicy,BaBpartyBmust:B-
BAnswerbeBnamedBinBtheBpolicyBandBshowBanBinsurableBinterestBinBtheBpropertyBatBt
heBtimeBtheBlossBoccurs



WhatBisBtheBrequirementBonBhowBmuchBexperienceBoneBmustBhaveBtoBbeBelectedBthe
BinsuranceBcommissionerBinBGeorgia?B-BAnswerNone



OnceBelected,BhowBlongBisBtheBinsuranceBcommissioner'sBterm?B-BAnswer4Byears



IsBthereBaBlimitBonBtheBnumberBofBtermsBanBinsuranceBcommissionerBcanBserve?B-
BAnswerNo



WhoBisBGeorgia'sBcurrentBinsuranceBcommissioner?B-BAnswerRalphBHudgens



WhatBtwoBcapacitiesBdoesBGeorgia'sBinsuranceBcommissionerBserve?B-
BAnswer1.BChiefBOfficerBofBInsuranceBDept.

2.BChiefBFireBMarshall



WhatBhappensBifBtheBInsuranceBCommissionerBhasBtoBresignBearly?B-
BAnswerNoBelection;BtheBChiefBDeputyBwillBtakeBover



WhatBisBtheBrequirementBtoBserveBasBChiefBDeputyBinBGeorgia?B-
BAnswermustBhaveBaBbondBinBtheBamountBofB$15,000



IfByouBareBaBdomesticBinsurerBinBGeorgia,BhowBoftenBdoesBcodeBsayByourBfinancialsB
mustBbeBexamined?B-BAnsweronceBeveryB5Byears



OnlyBoneBcourtBinBGeorgiaBhasBtheBrightBtoBoverturnBtheBdecisionBofBtheBInsuranceBC
ommissioner.BWhichBisBit?B-BAnswerSuperiorBCourtBofBFultonBCounty