Adjusting Test Questions with
Accurate Solutions
A customer claims he tripped on a stair in John's Art Gallery and broke his leg. The only
way the customer will have a successful claim against John's insurance is? - ANS-John
must be found legally liable for the incident
Meredith was attending this Christmas party that was held at the Riverstone country
club. While walking to the restroom she tripped and fell on one of the steps that was
broken. The broken step had been covered up by a new rug. Meredith status in this
situation is that of a ? - ANS-Invitee
Janet thompson works for universal insurance company of Texas. She is involved in a
work related accident in the supply room. She immediately notifies her supervisor about
the accident. Universal insurance company must report the injuries within how many
days of being notified of the injury? - ANS-8 days
Johnny has 30/60/25 limits on his auto policy, and he negligently ran into a parked car
driven by Steve Garcia. What is the maximum amount of coverage that can be provided
for the damage to Steve's car? - ANS-25,000
Texas Spring Company produced 100 defective springs last month. What type of claim
can be brought against them in this situation? - ANS-Product Liability
Steve's Worker's compensation claim has been rejected. Steve reported his claim 43
days after the incident occurred. What is a possible reason why? - ANS-He did not
report his injury to his employer within 30 days
Which of the following statements is true? - ANS-Bullion/ Valuable papers is limited to
$500 for all cause of loss
Jason was involved in a serious accident after his braking system on his brand new car
failed to function properly while he was driving on the highway. The manufacturer for his
car has had several complaints regarding this faulty braking system. What type of claim
should jason file against the manufacture of his vehicle. - ANS-Product Liability
Your policyholder submitted a claim or fire damage to his structure that was caused by
fire. The origin of the fire was caused by a defective wiring harness in the electrical
system of his stove. After you process and pay the claim, you will need to notify the
manufacturer of his stove of your intent to ________ against them for the damages the
were caused by their defective product? - ANS-Mediate
, You make initial contact with your insured. During this conversation, you should - ANS-
Obtain the loss facts and set an appointment to inspect the damages
What are the types of adjuster licenses approved for issuance in Texas? - ANS-All
Lines, Property, Property and Casualty, Surety, Workers Compensation
You are handling a flood claim in Houston, Texas. Your Policyholder has a flood policy
on his home. The replacement cost of his dwelling is $230,000. The flood related
damages to the dwelling are valued at $220,000. The replacement cost of the damaged
contents on his claim is $85,000. The actual cash value of the damaged contents is
$63,000. How much will you pay him for his damaged contents? Do not consider a
deductible. - ANS-$63,000
Replacement cost less depreciation best defines - ANS-Actual Cash Value
John has a homeowners policy with he following coverage's (Coverage A- $90,000,
Coverage B- $50,000: Clause 1 deductible 1%, Clause 2 deductible - $1,000). His Cloth
awning was damaged during the fire. His cloth awning is valued at $4,000. How much
are you going to pay on his claim? - ANS-$3,500
Joseph Ross owns a 2014 Toyota Avalon. While at the mall shopping someone hits his
car and left a big dent on the right side of his car. He does not know who hit his car and
there were no witnesses to this accident. What type of insurance protection does he
need to protect him from financial loss in this situation? - ANS-Uninsured Motorist
In the course of making repairs to a rental house, a fire break out. The landlord's Texas
dwelling policy for the building would cover all of the following EXCEPT - ANS-The
tenant's damaged personal Property
Mark Johnson is a licensed Public Adjuster in the state of Texas. Why does Mark need
to purchase an adjuster bond? - ANS-The requirement of bonds is for the public interest
to guarantee that the laws ordinances and regulations relating to insurance adjusting
will be complied with.
Lewis has a Texas dwelling policy on his property in Lewisville Texas. His tenant called
him to tell him that the property was broke into and all of his contents were stolen. Lewis
files a claim for his tenant's stolen contents. What do you tell Lewis about his claim? -
ANS-The contents are covered up to 10% of the Coverage B limit of liability.
What is the process when the insured and insurer are unable to agree on the amount of
a claim to be paid? - ANS-Appraisal
Your customer has HO-B homeowners policy with a Coverage A limit os $300,000. His
mortgage payment is $1,400 per month. He can't stay in his home for 1 month due to a
claim that was caused by smoke. He is staying in a local hotel for 1 month. The cost of
Accurate Solutions
A customer claims he tripped on a stair in John's Art Gallery and broke his leg. The only
way the customer will have a successful claim against John's insurance is? - ANS-John
must be found legally liable for the incident
Meredith was attending this Christmas party that was held at the Riverstone country
club. While walking to the restroom she tripped and fell on one of the steps that was
broken. The broken step had been covered up by a new rug. Meredith status in this
situation is that of a ? - ANS-Invitee
Janet thompson works for universal insurance company of Texas. She is involved in a
work related accident in the supply room. She immediately notifies her supervisor about
the accident. Universal insurance company must report the injuries within how many
days of being notified of the injury? - ANS-8 days
Johnny has 30/60/25 limits on his auto policy, and he negligently ran into a parked car
driven by Steve Garcia. What is the maximum amount of coverage that can be provided
for the damage to Steve's car? - ANS-25,000
Texas Spring Company produced 100 defective springs last month. What type of claim
can be brought against them in this situation? - ANS-Product Liability
Steve's Worker's compensation claim has been rejected. Steve reported his claim 43
days after the incident occurred. What is a possible reason why? - ANS-He did not
report his injury to his employer within 30 days
Which of the following statements is true? - ANS-Bullion/ Valuable papers is limited to
$500 for all cause of loss
Jason was involved in a serious accident after his braking system on his brand new car
failed to function properly while he was driving on the highway. The manufacturer for his
car has had several complaints regarding this faulty braking system. What type of claim
should jason file against the manufacture of his vehicle. - ANS-Product Liability
Your policyholder submitted a claim or fire damage to his structure that was caused by
fire. The origin of the fire was caused by a defective wiring harness in the electrical
system of his stove. After you process and pay the claim, you will need to notify the
manufacturer of his stove of your intent to ________ against them for the damages the
were caused by their defective product? - ANS-Mediate
, You make initial contact with your insured. During this conversation, you should - ANS-
Obtain the loss facts and set an appointment to inspect the damages
What are the types of adjuster licenses approved for issuance in Texas? - ANS-All
Lines, Property, Property and Casualty, Surety, Workers Compensation
You are handling a flood claim in Houston, Texas. Your Policyholder has a flood policy
on his home. The replacement cost of his dwelling is $230,000. The flood related
damages to the dwelling are valued at $220,000. The replacement cost of the damaged
contents on his claim is $85,000. The actual cash value of the damaged contents is
$63,000. How much will you pay him for his damaged contents? Do not consider a
deductible. - ANS-$63,000
Replacement cost less depreciation best defines - ANS-Actual Cash Value
John has a homeowners policy with he following coverage's (Coverage A- $90,000,
Coverage B- $50,000: Clause 1 deductible 1%, Clause 2 deductible - $1,000). His Cloth
awning was damaged during the fire. His cloth awning is valued at $4,000. How much
are you going to pay on his claim? - ANS-$3,500
Joseph Ross owns a 2014 Toyota Avalon. While at the mall shopping someone hits his
car and left a big dent on the right side of his car. He does not know who hit his car and
there were no witnesses to this accident. What type of insurance protection does he
need to protect him from financial loss in this situation? - ANS-Uninsured Motorist
In the course of making repairs to a rental house, a fire break out. The landlord's Texas
dwelling policy for the building would cover all of the following EXCEPT - ANS-The
tenant's damaged personal Property
Mark Johnson is a licensed Public Adjuster in the state of Texas. Why does Mark need
to purchase an adjuster bond? - ANS-The requirement of bonds is for the public interest
to guarantee that the laws ordinances and regulations relating to insurance adjusting
will be complied with.
Lewis has a Texas dwelling policy on his property in Lewisville Texas. His tenant called
him to tell him that the property was broke into and all of his contents were stolen. Lewis
files a claim for his tenant's stolen contents. What do you tell Lewis about his claim? -
ANS-The contents are covered up to 10% of the Coverage B limit of liability.
What is the process when the insured and insurer are unable to agree on the amount of
a claim to be paid? - ANS-Appraisal
Your customer has HO-B homeowners policy with a Coverage A limit os $300,000. His
mortgage payment is $1,400 per month. He can't stay in his home for 1 month due to a
claim that was caused by smoke. He is staying in a local hotel for 1 month. The cost of
