5/9/26, 10:19 AM Texas all lines adjuster exam, Texas All Lines Adjuster Test, Texas All Lines Adjuster Exam Flashcards | Quizlet
To be eligible for coverage under a standardized 5
Dwelling policy, the insured must not allow more than
_______ boarders to live on the premises.
All of the following are "Perils of the Sea" under an Ocean Pirates
Marine policy, EXCEPT:
The amount of insurance countersigned, issued, or sold Controlled business
by an agent or producer to cover immediate family
members, an employer, or employees is known as:
Which of the following standardized Dwelling insurance The DP-1, DP-2, and DP-3 forms
forms provides coverage for loss of rental income
The "Part B - Medical Payments" coverage of a personal A passenger who is injured in another vehicle that is struck by the insured's vehicle
automobile policy covers injuries for all of the following, in an accident
EXCEPT:
Which of the following are the Texas Workers' Lifetime Income Benefits (LIBs) only
Compensation benefits that are increased by a cost-of-
living adjustment (COLAs)
Hannah must take time away from work to help assist in $250 per day.
the investigation of a claim that was made against her
BOP policy. The policy will pay for Hannah's actual loss of
earnings up to:
Surplus Lines companies in Texas have _____ to 30 days.
acknowledge the receipt of a claim.
All of the following are characteristics of a principal that a Consideration.
surety will scrutinize during the underwriting process,
EXCEPT:
Under Section II of a Homeowners policy, a cemetery An insured location.
plot owned by the insured is considered to be:
Which of the following is NOT one of the four major Seaworthiness.
coverages of an Ocean Marine policy?
A ship has suffered damage and sunk. Which of the Hull Insurance.
following would respond to cover the loss of the ship?
As a fiduciary agent, an adjuster has the power to bind Only an adjuster's written statements can legally bind an insurer.
the insurer. Which of the following statements is FALSE
regarding this power?
The standardized Dwelling forms consider all eruptions 72-hour
of a volcano within a __________ period to be a single
"occurrence".
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,5/9/26, 10:19 AM Texas all lines adjuster exam, Texas All Lines Adjuster Test, Texas All Lines Adjuster Exam Flashcards | Quizlet
Whose responsibility is it to complete a "proof of loss"? The claimant.
Which of the following would NOT be determined by a The type and amount of damages that will be paid to a plaintiff for the claim that
court when an insurer has filed a declaratory judgment is being disputed.
action?
Which of the following statements is TRUE regarding the The coverage is not additional insurance and does not increase the limits of the
Homeowners "additional coverage" known as Landlord's policy.
Furnishings?
Which of the following would be covered under the Crew members of a ship.
Jones Act?
All of the following statements are true regarding a The policy will cover watercraft liability.
Personal Liability Supplement, EXCEPT:
Which of the following statements is TRUE regarding Commercial property coverage can be written as both a monoline policy and as
Commercial Property coverage? part of a package policy.
What type of insurance is usually provided or subsidized Residual market insurance.
by the state or federal government because it is not
ordinarily available from private insurers?
The optional coverage for "Employee Dishonesty" under The "discovery period" is one year from the end of the policy period.
a standard Businessowners policy provides a "discovery
period" for the insured to discover the dishonest act and
have coverage still apply. Which of the following
statements best describes the "discovery period" for this
optional coverage?
Which of the following would be considered an Unfair Failing to deny coverage of a claim within a reasonable amount of time after
Claim Settlement Practice? concluding the investigation
Which of the following is TRUE regarding the DP-2 Broad A fire must be the result of the artificially generated electrical current for
Form coverage for "artificially generated electrical coverage to apply..
current"?
The Commercial Building and Personal Property An 80% or higher coinsurance percentage is shown on the Declarations page, and
coverage form provides five extensions of coverage, but the property amount of coverage, based on that percentage, is purchased.
only if:
All of the following would be considered "uninsured A motorist driving with coverage up to the required state financial responsibility
motorists", EXCEPT: limits for liability, but not high enough to pay the claims for an at-fault accident.
Regulation of the insurance industry in the United States State governments.
is primarily left to:
Which of the following coverages does NOT need to be Collision.
added to a Garage Coverage form by endorsement for
coverage to apply?
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,5/9/26, 10:19 AM Texas all lines adjuster exam, Texas All Lines Adjuster Test, Texas All Lines Adjuster Exam Flashcards | Quizlet
Chaz takes his girlfriend to an expensive restaurant for It would cover the loss to Chaz's car because it is the insured automobile, but
Valentine's Day. It is raining, so he decides to have the would not cover the damage to the garage..
valet park his car, saving his girlfriend from getting wet.
The valet is driving the car into the restaurant's parking
garage, when he clips the side of the garage entrance
with the front fender of Chaz's car. The garage wall needs
to be repaired as well as the fender and headlight of
Chaz's car. How would Part D of Chaz's Personal
Automobile respond to this loss?
Which of the following statements is TRUE regarding the Coverage will not apply if the storage unit has been on the insured premises for
coverage extension of the standard Businessowners longer than 90 days, even if the business personal property has only been stored
policy for "Business Personal Property Temporarily in there for less than 90 days.
Portable Storage Units"?
Which of the following would be considered a Part D - A load of bricks falling from an apartment building onto the car.
Other Than Collision claim under a Personal Automobile
claim?
The Section I Additional Coverage of the standard The total limit may be up to 25% of the policy limit for the loss payable with the
Businessowners policy provides coverage for "Debris deductible included, plus up to an additional $25,000 if the policy limits are
Removal". Which of the following statements best exhausted
describes the limit for this coverage?
An agent, insured or claimant has intentionally deceived Fraud
an insurer for financial gain. Such an act is known as:
Which of the following losses would be covered under a A fire that breaks out in an office building and causes damage to two of the
Commercial Property policy with the special cause of offices..
loss form attached?
If the Navigational Limits or Lay-Up period shown on the The insurer must be notified within 10 days after the breach and any additional
Declarations page of a standardized Yacht policy is premium that is due must be paid.
breached because of something out of the control of the
insured:
Which of the following is NOT eligible for a coverage Owner-occupants of a 5 to 6-family dwelling
under a Homeowners insurance policy?
Cameron has his home covered under a Homeowners The Umbrella policy will not become primary when the insurer carrying the
policy and his limit for bodily injury is $100,000. He also underlying insurance becomes insolvent, but will pay the $400,000 as if the
purchased a Personal Umbrella policy with a $1,000,000 underlying insurer had paid its $100,000 limit of liability..
limit of liability. Cameron is sued and a judgement was
made against him for $500,000. To trigger his Umbrella
policy, his Homeowners policy must pay $100,000, but he
finds that the insurance company from which he
purchased his Homeowners policy has become insolvent.
How will the Umbrella insurer pay the claim (disregarding
any retention limit)?
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, 5/9/26, 10:19 AM Texas all lines adjuster exam, Texas All Lines Adjuster Test, Texas All Lines Adjuster Exam Flashcards | Quizlet
The additional coverage for debris removal under the The insured reports the debris removal expenses to the insurance company in
standardized Building and Personal Property coverage writing within 180 days of the loss..
form will only be paid if:
The insured is covered under a Watercraft policy and asks Only if the insurance company is notified within 10 days of the emergency use
the agent about a lay-up period credit to get a reduction
in the premium. The dates of the lay-up period are
specified in the policy. There is an emergency and the
insured must use his boat in a life saving event. The boat
is damaged and sinks. Under what circumstances would
coverage apply?
Which of the following coverage parts would be eligible Professional liability coverage.
for inclusion in a Commercial Package policy?
When an insurer files a declaratory judgement action with Will the insurer become insolvent if they pay the claim as submitted by the
a court of law, all of the following questions will be insured?
resolved by the court, EXCEPT:
An insured is covered under a CGL policy. He would like The insured may purchase either a Commercial Umbrella or an Excess Liability
to purchase another policy to increase the limits of policy to increase his liability insurance limits..
insurance for his commercial liability exposures. Which of
the following statements is correct regarding the
insured's situation?
Which of the following statements defines a "bailee"? Someone, other than the insured, to whom the insured property is entrusted
temporarily.
The crew of a ship is guilty of fraud with the intention of Barratry.
reaping gains at the expense of the owner. In ocean
marine coverage, what is this called?
Symbol 23 is designated on the insured's Garage That owned private passenger autos only are covered..
Coverage form. This indicates that:
An applicant fails to disclose known facts when Concealment
completing an application for insurance. This act is known
as:
All of the following are correct statements regarding the When the Part A limits are exhausted, any limits for Uninsured Motorists coverage
limits of liability under Part A of a Personal Auto policy, can be used to pay the entire claim..
EXCEPT:
If a covered business is a limited liability company, the Executive director..
standard Businessowners policy provides coverage for all
of the following "insureds", EXCEPT:
The HO-3 form insures for direct physical loss to covered Settling.
property involving collapse of a building caused by all of
the following, EXCEPT:
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To be eligible for coverage under a standardized 5
Dwelling policy, the insured must not allow more than
_______ boarders to live on the premises.
All of the following are "Perils of the Sea" under an Ocean Pirates
Marine policy, EXCEPT:
The amount of insurance countersigned, issued, or sold Controlled business
by an agent or producer to cover immediate family
members, an employer, or employees is known as:
Which of the following standardized Dwelling insurance The DP-1, DP-2, and DP-3 forms
forms provides coverage for loss of rental income
The "Part B - Medical Payments" coverage of a personal A passenger who is injured in another vehicle that is struck by the insured's vehicle
automobile policy covers injuries for all of the following, in an accident
EXCEPT:
Which of the following are the Texas Workers' Lifetime Income Benefits (LIBs) only
Compensation benefits that are increased by a cost-of-
living adjustment (COLAs)
Hannah must take time away from work to help assist in $250 per day.
the investigation of a claim that was made against her
BOP policy. The policy will pay for Hannah's actual loss of
earnings up to:
Surplus Lines companies in Texas have _____ to 30 days.
acknowledge the receipt of a claim.
All of the following are characteristics of a principal that a Consideration.
surety will scrutinize during the underwriting process,
EXCEPT:
Under Section II of a Homeowners policy, a cemetery An insured location.
plot owned by the insured is considered to be:
Which of the following is NOT one of the four major Seaworthiness.
coverages of an Ocean Marine policy?
A ship has suffered damage and sunk. Which of the Hull Insurance.
following would respond to cover the loss of the ship?
As a fiduciary agent, an adjuster has the power to bind Only an adjuster's written statements can legally bind an insurer.
the insurer. Which of the following statements is FALSE
regarding this power?
The standardized Dwelling forms consider all eruptions 72-hour
of a volcano within a __________ period to be a single
"occurrence".
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,5/9/26, 10:19 AM Texas all lines adjuster exam, Texas All Lines Adjuster Test, Texas All Lines Adjuster Exam Flashcards | Quizlet
Whose responsibility is it to complete a "proof of loss"? The claimant.
Which of the following would NOT be determined by a The type and amount of damages that will be paid to a plaintiff for the claim that
court when an insurer has filed a declaratory judgment is being disputed.
action?
Which of the following statements is TRUE regarding the The coverage is not additional insurance and does not increase the limits of the
Homeowners "additional coverage" known as Landlord's policy.
Furnishings?
Which of the following would be covered under the Crew members of a ship.
Jones Act?
All of the following statements are true regarding a The policy will cover watercraft liability.
Personal Liability Supplement, EXCEPT:
Which of the following statements is TRUE regarding Commercial property coverage can be written as both a monoline policy and as
Commercial Property coverage? part of a package policy.
What type of insurance is usually provided or subsidized Residual market insurance.
by the state or federal government because it is not
ordinarily available from private insurers?
The optional coverage for "Employee Dishonesty" under The "discovery period" is one year from the end of the policy period.
a standard Businessowners policy provides a "discovery
period" for the insured to discover the dishonest act and
have coverage still apply. Which of the following
statements best describes the "discovery period" for this
optional coverage?
Which of the following would be considered an Unfair Failing to deny coverage of a claim within a reasonable amount of time after
Claim Settlement Practice? concluding the investigation
Which of the following is TRUE regarding the DP-2 Broad A fire must be the result of the artificially generated electrical current for
Form coverage for "artificially generated electrical coverage to apply..
current"?
The Commercial Building and Personal Property An 80% or higher coinsurance percentage is shown on the Declarations page, and
coverage form provides five extensions of coverage, but the property amount of coverage, based on that percentage, is purchased.
only if:
All of the following would be considered "uninsured A motorist driving with coverage up to the required state financial responsibility
motorists", EXCEPT: limits for liability, but not high enough to pay the claims for an at-fault accident.
Regulation of the insurance industry in the United States State governments.
is primarily left to:
Which of the following coverages does NOT need to be Collision.
added to a Garage Coverage form by endorsement for
coverage to apply?
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,5/9/26, 10:19 AM Texas all lines adjuster exam, Texas All Lines Adjuster Test, Texas All Lines Adjuster Exam Flashcards | Quizlet
Chaz takes his girlfriend to an expensive restaurant for It would cover the loss to Chaz's car because it is the insured automobile, but
Valentine's Day. It is raining, so he decides to have the would not cover the damage to the garage..
valet park his car, saving his girlfriend from getting wet.
The valet is driving the car into the restaurant's parking
garage, when he clips the side of the garage entrance
with the front fender of Chaz's car. The garage wall needs
to be repaired as well as the fender and headlight of
Chaz's car. How would Part D of Chaz's Personal
Automobile respond to this loss?
Which of the following statements is TRUE regarding the Coverage will not apply if the storage unit has been on the insured premises for
coverage extension of the standard Businessowners longer than 90 days, even if the business personal property has only been stored
policy for "Business Personal Property Temporarily in there for less than 90 days.
Portable Storage Units"?
Which of the following would be considered a Part D - A load of bricks falling from an apartment building onto the car.
Other Than Collision claim under a Personal Automobile
claim?
The Section I Additional Coverage of the standard The total limit may be up to 25% of the policy limit for the loss payable with the
Businessowners policy provides coverage for "Debris deductible included, plus up to an additional $25,000 if the policy limits are
Removal". Which of the following statements best exhausted
describes the limit for this coverage?
An agent, insured or claimant has intentionally deceived Fraud
an insurer for financial gain. Such an act is known as:
Which of the following losses would be covered under a A fire that breaks out in an office building and causes damage to two of the
Commercial Property policy with the special cause of offices..
loss form attached?
If the Navigational Limits or Lay-Up period shown on the The insurer must be notified within 10 days after the breach and any additional
Declarations page of a standardized Yacht policy is premium that is due must be paid.
breached because of something out of the control of the
insured:
Which of the following is NOT eligible for a coverage Owner-occupants of a 5 to 6-family dwelling
under a Homeowners insurance policy?
Cameron has his home covered under a Homeowners The Umbrella policy will not become primary when the insurer carrying the
policy and his limit for bodily injury is $100,000. He also underlying insurance becomes insolvent, but will pay the $400,000 as if the
purchased a Personal Umbrella policy with a $1,000,000 underlying insurer had paid its $100,000 limit of liability..
limit of liability. Cameron is sued and a judgement was
made against him for $500,000. To trigger his Umbrella
policy, his Homeowners policy must pay $100,000, but he
finds that the insurance company from which he
purchased his Homeowners policy has become insolvent.
How will the Umbrella insurer pay the claim (disregarding
any retention limit)?
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, 5/9/26, 10:19 AM Texas all lines adjuster exam, Texas All Lines Adjuster Test, Texas All Lines Adjuster Exam Flashcards | Quizlet
The additional coverage for debris removal under the The insured reports the debris removal expenses to the insurance company in
standardized Building and Personal Property coverage writing within 180 days of the loss..
form will only be paid if:
The insured is covered under a Watercraft policy and asks Only if the insurance company is notified within 10 days of the emergency use
the agent about a lay-up period credit to get a reduction
in the premium. The dates of the lay-up period are
specified in the policy. There is an emergency and the
insured must use his boat in a life saving event. The boat
is damaged and sinks. Under what circumstances would
coverage apply?
Which of the following coverage parts would be eligible Professional liability coverage.
for inclusion in a Commercial Package policy?
When an insurer files a declaratory judgement action with Will the insurer become insolvent if they pay the claim as submitted by the
a court of law, all of the following questions will be insured?
resolved by the court, EXCEPT:
An insured is covered under a CGL policy. He would like The insured may purchase either a Commercial Umbrella or an Excess Liability
to purchase another policy to increase the limits of policy to increase his liability insurance limits..
insurance for his commercial liability exposures. Which of
the following statements is correct regarding the
insured's situation?
Which of the following statements defines a "bailee"? Someone, other than the insured, to whom the insured property is entrusted
temporarily.
The crew of a ship is guilty of fraud with the intention of Barratry.
reaping gains at the expense of the owner. In ocean
marine coverage, what is this called?
Symbol 23 is designated on the insured's Garage That owned private passenger autos only are covered..
Coverage form. This indicates that:
An applicant fails to disclose known facts when Concealment
completing an application for insurance. This act is known
as:
All of the following are correct statements regarding the When the Part A limits are exhausted, any limits for Uninsured Motorists coverage
limits of liability under Part A of a Personal Auto policy, can be used to pay the entire claim..
EXCEPT:
If a covered business is a limited liability company, the Executive director..
standard Businessowners policy provides coverage for all
of the following "insureds", EXCEPT:
The HO-3 form insures for direct physical loss to covered Settling.
property involving collapse of a building caused by all of
the following, EXCEPT:
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