5/9/26, 10:05 AM Texas All-Lines Adjuster course Final Exam Flashcards | Quizlet
Justin is a Property adjuster for XYZ Insurance Company. If coverage exists
He receives a claim involving the theft loss of various
types of property. Justin's initial responsibility upon
investigating the loss is to first determine:
Jim is a public adjuster. He has an arrangement with a This arrangement reflects a breach of ethical conduct and a violation that could
water extraction company who pays him a commission of jeopardize Jim's licensure.
10% for every referral that Jim sends their way. Which of
the following statements is correct?
Which of the following would NOT be covered under Your 10-year old German Shepherd chokes on a bone and passes away.
Coverage C Personal Property?
A tornado strikes a duplex that is insured under a Damage to another duplex right next door, also owned by the landlord.
Dwelling (DP-3) policy. Which of the following would
NOT be covered by the Dwelling policy?
Common carriers (i.e. 18-wheelers, trains, planes, etc.) are Acts of God
responsible for damage to customer goods they
transport EXCEPT for damages resulting from:
You have just started your career handling Texas workers' Not responding to an employee's calls because you're overworked and the claim
compensation claims. Which one of the following involves complex issues you just don't feel like addressing.
WOULD BE considered a violation of the Texas Unfair
Claim Settlement Practices Act?
Which type of bond would be used to cover the Fidelity bond
exposure to employee theft?
Garrett wants a Texas All Lines Adjuster's license. Which of Pass a state qualifying exam or pre-licensing course that is certified by the Texas
the following actions will be necessary for Garrett to Department of Insurance that includes an approved, comprehensive final
secure such a license? examination of 150 questions, and attach the Certificate of Completion to an
application for licensure.
The DP.3 Dwelling form is an "Open Risk" policy. This All risks of direct physical loss are covered unless they are excluded
means that:
Assume your home caught fire due to a faulty electrical Yes. It is called Fire Department Service Charge and is an Additional Coverage
device. and one month after the fire you receive a bill provided under the policy, limited to $500.
from the fire department for $450.00 for responding to
the fire. Would this be paid under your homeowner's
policy?
Generally, if an employee suffers an occupational injury Gives up the right to sue the employer for personal injury and pain and suffering.
and accepts workers' compensation benefits, he or she: The employee can only make claim for workers' compensation benefits.
https://quizlet.com/813995522/texas-all-lines-adjuster-course-final-exam-flash-cards/ 2/26
,5/9/26, 10:05 AM Texas All-Lines Adjuster course Final Exam Flashcards | Quizlet
Janelle has a Texas Personal Auto Policy with 30/60/25 $60,000
policy limits. She hits a car with 4 occupants, all of whom
are hurt.
They all sue. Each of the injured parties receives identical
verdicts of $40,000. Under Janelle's bodily injury liability
coverage, what is the total amount that the company
would pay for the injuries to these plaintiffs?
A person or entity who guarantees the performance or Surety
payment of one party who is obligated by contract to
another is called a:
If your insured were to ask you if a Dwelling policy would Yes, and it's called Fair Rental Value coverage and is available under Coverage D.
pay for his loss of rental income after a fire loss while the
property is being repaired. what would you tell him?
Fred runs a convenience store that sells gasoline. One Pollution Clean Up and Removal
day a customer pulls away from the pump while the gas is
still pumping, breaks the pump line and causes gasoline
to escape all over the parking lot and into the storm
drain. Fred files a claim under his commercial property
policy. Damage to repair the pump totals $545.00 and
$257.00 worth of gasoline was pumped out before
anyone noticed and stopped the pump. The local
HazMat team was called out by the authorities to clean
up the parking lot and the storm drain. Fred received a
bill from the County for $12.850.00 for the clean up. He
sends the bill to you to pay. What kind of coverage is
available to Fred as a commercial property extension of
coverage needed to pay this loss?
A cargo ship loaded with lumber and sailing from Seattle, Jettison
Washington to Tokyo, Japan, encountered "the perfect
storm" during its trip across the Pacific Ocean. Some of
the lumber was thrown overboard to save the ship. This
action is called:
Roberto owns a house on Lake Conroe. The house is Coverage D: Loss of Use
insured with an HO-3 policy. During a storm, a tornado
touches down and severely damages the house. Because
the house is untenable and it will take 2 months to
complete repairs, Roberto moves Into a local Marriott
Residence Inn. Under which of the following coverages
would Roberto be able to recover the additional
expense of the Marriott and other costs?
Dwelling policies: provide basic property protection for individuals who want to protect their
financial interest in a property
Which of the following perils or exposure are Fidelity Embezzlement
bonds generally used to insure against?
https://quizlet.com/813995522/texas-all-lines-adjuster-course-final-exam-flash-cards/ 3/26
, 5/9/26, 10:05 AM Texas All-Lines Adjuster course Final Exam Flashcards | Quizlet
To be compensable under workers' compensation laws, arise out of and in the course of employment.
most jurisdictions require that an injury:
A customer of the Sunshine Grocery Store hit her leg on a Tell her you'll pay her bills and ask her to call you if she has any questions. You
low shelf in the isle of the store. The claim was assigned would then wish her well and, when the bills arrive, pay them under the business's
to you for handling. After contacting the claimant and Medical Payments coverage.
taking a statement, you learn that the injury was minor
and, at most, an inconvenience. Medical expenses were
only $525.00 and there were no complications. You think
the best way to handle the case Is to offer to pay her
medical bills without admitting liability and try backing
away without committing to any kind of settlement. How
would you do it?
You just started working as an adjuster with handling Deciding not to take a statement from an insured under oath in the investigation
Texas 1st and 3rd party property damage claims. Which of a 1st party property claim.
one of the following would NOT be an example of an
unfair claim settlement practice?
Joe is a property adjuster employed by State Farm. He Joe is a Company Adjuster and Pete is a Public Adjuster
receives a loss assignment to handle a grease fire claim
for an insured. Upon contacting the insured, she advises
that she has hired her own adjuster (Pete) to represent
her in this matter.
Pete will be providing Joe with the estimates of repair and
has the insured's authority to negotiate the final
settlement of the loss. Pete's fee will be paid out of the
final settlement amount. Based upon this information, joe
and Pete are which of the following types of adjusters?
You have, just received a new property claim from an "Take any and all reasonable steps to protect your property from further damage.
insured homeowner who suffered damage from a fire that These costs are included as part of your coverage and I will reimburse you as part
burned down 30% of the property. During the initial of your claim.'
contact, what is the most important thing you should tell
the insured to do while waiting for you or your appraiser
to arrive?
Which of the following would NoT be included in the Desks and personal business computers for each of the business' employees.
definition of the term "Building" under a typical
Commercial Building and Personal Property policy?
A Texas adjuster must secure how many continuing 24
education credits in every two year period to maintain
continued licensure?
https://quizlet.com/813995522/texas-all-lines-adjuster-course-final-exam-flash-cards/ 4/26
Justin is a Property adjuster for XYZ Insurance Company. If coverage exists
He receives a claim involving the theft loss of various
types of property. Justin's initial responsibility upon
investigating the loss is to first determine:
Jim is a public adjuster. He has an arrangement with a This arrangement reflects a breach of ethical conduct and a violation that could
water extraction company who pays him a commission of jeopardize Jim's licensure.
10% for every referral that Jim sends their way. Which of
the following statements is correct?
Which of the following would NOT be covered under Your 10-year old German Shepherd chokes on a bone and passes away.
Coverage C Personal Property?
A tornado strikes a duplex that is insured under a Damage to another duplex right next door, also owned by the landlord.
Dwelling (DP-3) policy. Which of the following would
NOT be covered by the Dwelling policy?
Common carriers (i.e. 18-wheelers, trains, planes, etc.) are Acts of God
responsible for damage to customer goods they
transport EXCEPT for damages resulting from:
You have just started your career handling Texas workers' Not responding to an employee's calls because you're overworked and the claim
compensation claims. Which one of the following involves complex issues you just don't feel like addressing.
WOULD BE considered a violation of the Texas Unfair
Claim Settlement Practices Act?
Which type of bond would be used to cover the Fidelity bond
exposure to employee theft?
Garrett wants a Texas All Lines Adjuster's license. Which of Pass a state qualifying exam or pre-licensing course that is certified by the Texas
the following actions will be necessary for Garrett to Department of Insurance that includes an approved, comprehensive final
secure such a license? examination of 150 questions, and attach the Certificate of Completion to an
application for licensure.
The DP.3 Dwelling form is an "Open Risk" policy. This All risks of direct physical loss are covered unless they are excluded
means that:
Assume your home caught fire due to a faulty electrical Yes. It is called Fire Department Service Charge and is an Additional Coverage
device. and one month after the fire you receive a bill provided under the policy, limited to $500.
from the fire department for $450.00 for responding to
the fire. Would this be paid under your homeowner's
policy?
Generally, if an employee suffers an occupational injury Gives up the right to sue the employer for personal injury and pain and suffering.
and accepts workers' compensation benefits, he or she: The employee can only make claim for workers' compensation benefits.
https://quizlet.com/813995522/texas-all-lines-adjuster-course-final-exam-flash-cards/ 2/26
,5/9/26, 10:05 AM Texas All-Lines Adjuster course Final Exam Flashcards | Quizlet
Janelle has a Texas Personal Auto Policy with 30/60/25 $60,000
policy limits. She hits a car with 4 occupants, all of whom
are hurt.
They all sue. Each of the injured parties receives identical
verdicts of $40,000. Under Janelle's bodily injury liability
coverage, what is the total amount that the company
would pay for the injuries to these plaintiffs?
A person or entity who guarantees the performance or Surety
payment of one party who is obligated by contract to
another is called a:
If your insured were to ask you if a Dwelling policy would Yes, and it's called Fair Rental Value coverage and is available under Coverage D.
pay for his loss of rental income after a fire loss while the
property is being repaired. what would you tell him?
Fred runs a convenience store that sells gasoline. One Pollution Clean Up and Removal
day a customer pulls away from the pump while the gas is
still pumping, breaks the pump line and causes gasoline
to escape all over the parking lot and into the storm
drain. Fred files a claim under his commercial property
policy. Damage to repair the pump totals $545.00 and
$257.00 worth of gasoline was pumped out before
anyone noticed and stopped the pump. The local
HazMat team was called out by the authorities to clean
up the parking lot and the storm drain. Fred received a
bill from the County for $12.850.00 for the clean up. He
sends the bill to you to pay. What kind of coverage is
available to Fred as a commercial property extension of
coverage needed to pay this loss?
A cargo ship loaded with lumber and sailing from Seattle, Jettison
Washington to Tokyo, Japan, encountered "the perfect
storm" during its trip across the Pacific Ocean. Some of
the lumber was thrown overboard to save the ship. This
action is called:
Roberto owns a house on Lake Conroe. The house is Coverage D: Loss of Use
insured with an HO-3 policy. During a storm, a tornado
touches down and severely damages the house. Because
the house is untenable and it will take 2 months to
complete repairs, Roberto moves Into a local Marriott
Residence Inn. Under which of the following coverages
would Roberto be able to recover the additional
expense of the Marriott and other costs?
Dwelling policies: provide basic property protection for individuals who want to protect their
financial interest in a property
Which of the following perils or exposure are Fidelity Embezzlement
bonds generally used to insure against?
https://quizlet.com/813995522/texas-all-lines-adjuster-course-final-exam-flash-cards/ 3/26
, 5/9/26, 10:05 AM Texas All-Lines Adjuster course Final Exam Flashcards | Quizlet
To be compensable under workers' compensation laws, arise out of and in the course of employment.
most jurisdictions require that an injury:
A customer of the Sunshine Grocery Store hit her leg on a Tell her you'll pay her bills and ask her to call you if she has any questions. You
low shelf in the isle of the store. The claim was assigned would then wish her well and, when the bills arrive, pay them under the business's
to you for handling. After contacting the claimant and Medical Payments coverage.
taking a statement, you learn that the injury was minor
and, at most, an inconvenience. Medical expenses were
only $525.00 and there were no complications. You think
the best way to handle the case Is to offer to pay her
medical bills without admitting liability and try backing
away without committing to any kind of settlement. How
would you do it?
You just started working as an adjuster with handling Deciding not to take a statement from an insured under oath in the investigation
Texas 1st and 3rd party property damage claims. Which of a 1st party property claim.
one of the following would NOT be an example of an
unfair claim settlement practice?
Joe is a property adjuster employed by State Farm. He Joe is a Company Adjuster and Pete is a Public Adjuster
receives a loss assignment to handle a grease fire claim
for an insured. Upon contacting the insured, she advises
that she has hired her own adjuster (Pete) to represent
her in this matter.
Pete will be providing Joe with the estimates of repair and
has the insured's authority to negotiate the final
settlement of the loss. Pete's fee will be paid out of the
final settlement amount. Based upon this information, joe
and Pete are which of the following types of adjusters?
You have, just received a new property claim from an "Take any and all reasonable steps to protect your property from further damage.
insured homeowner who suffered damage from a fire that These costs are included as part of your coverage and I will reimburse you as part
burned down 30% of the property. During the initial of your claim.'
contact, what is the most important thing you should tell
the insured to do while waiting for you or your appraiser
to arrive?
Which of the following would NoT be included in the Desks and personal business computers for each of the business' employees.
definition of the term "Building" under a typical
Commercial Building and Personal Property policy?
A Texas adjuster must secure how many continuing 24
education credits in every two year period to maintain
continued licensure?
https://quizlet.com/813995522/texas-all-lines-adjuster-course-final-exam-flash-cards/ 4/26
