HAWAII ADJUSTER ACTUAL EXAMINATION
2026 QUESTIONS WITH SOLUTIONS
GRADED A+
◍ When the Hawaii Department is investigating possible insurance law violations, the
Commissioner will pay all of the following, EXCEPT:
Answer Choices:
Cost to search for items designated by the subpoena.
Mileage for witnesses to attend the hearing.
Costs to reproduce records relating to the case.
Costs to transport the books, papers, documents or records relating to the case. Answer:
Mileage for witnesses to attend the hearing
◍ What is the bond limit that is required for a public adjuster's license? Answer: $10,000
◍ What section of an insurance contract contains the terms used throughout the policy?
Answer: Definitions
◍ Under the National Flood Insurance Program, replacement cost coverage is available for:
Answer: Single family dwellings only.
◍ In order to receive full replacement cost recovery on a covered loss under a BOP, the
named insured must maintain insurance limits equal to at least what percentage of the
covered property's full replacement value? Answer: 80% of the property value
◍ The inland marine coverage form that covers clothing, cameras and other portable property
worn or carried by tourists and travelers is a Answer: Personal effects floater
◍ A Commercial General Liability form provides automatic coverage for newly acquired
organizations for up to Answer: 90 Days
, ◍ Under the Additional Coverages of the Businessowners Property forms, property removed
to protect it from loss will be covered at another location for up to Answer: 30 Days
◍ Garagekeepers specified causes of loss coverage would apply to each of the following,
EXCEPT:
Fire, Windstorm, Falling Objects, or Lightening Answer: Windstorm
◍ If there were other existing insurance, coverage under crime insurance would be Answer:
Pro Rated
◍ How long must a foreign or alien insurer have transacted business elsewhere in order to
transact business in Hawaii? Answer: 5 Years
◍ Under the Commercial Property Liberalization Clause, if the insurer makes any coverage
revision which broadens the coverage without an additional premium charge, it will
automatically apply to existing policies if the revision is adopted during the policy term or
within: Answer: 45 days prior to the effective date
◍ What is the binding authority of a Surplus Lines Broker? Answer: A surplus broker does
not have the authority to bind risks
◍ Under the discovery clause in the loss sustained policy, which of the following is covered?
Answer: A loss discovered up to one year after the policy expired but that occurred during the
policy period
◍ Any person who violates any provision of the Code for which another penalty is not
specified may be subject to a fine of not less than ______nor more than ______, or by
imprisonment for up to one year. Answer: $100/$10,000
◍ Which of the following is generally intended to cover property that moves from one
location to another? Answer: Floaters
2026 QUESTIONS WITH SOLUTIONS
GRADED A+
◍ When the Hawaii Department is investigating possible insurance law violations, the
Commissioner will pay all of the following, EXCEPT:
Answer Choices:
Cost to search for items designated by the subpoena.
Mileage for witnesses to attend the hearing.
Costs to reproduce records relating to the case.
Costs to transport the books, papers, documents or records relating to the case. Answer:
Mileage for witnesses to attend the hearing
◍ What is the bond limit that is required for a public adjuster's license? Answer: $10,000
◍ What section of an insurance contract contains the terms used throughout the policy?
Answer: Definitions
◍ Under the National Flood Insurance Program, replacement cost coverage is available for:
Answer: Single family dwellings only.
◍ In order to receive full replacement cost recovery on a covered loss under a BOP, the
named insured must maintain insurance limits equal to at least what percentage of the
covered property's full replacement value? Answer: 80% of the property value
◍ The inland marine coverage form that covers clothing, cameras and other portable property
worn or carried by tourists and travelers is a Answer: Personal effects floater
◍ A Commercial General Liability form provides automatic coverage for newly acquired
organizations for up to Answer: 90 Days
, ◍ Under the Additional Coverages of the Businessowners Property forms, property removed
to protect it from loss will be covered at another location for up to Answer: 30 Days
◍ Garagekeepers specified causes of loss coverage would apply to each of the following,
EXCEPT:
Fire, Windstorm, Falling Objects, or Lightening Answer: Windstorm
◍ If there were other existing insurance, coverage under crime insurance would be Answer:
Pro Rated
◍ How long must a foreign or alien insurer have transacted business elsewhere in order to
transact business in Hawaii? Answer: 5 Years
◍ Under the Commercial Property Liberalization Clause, if the insurer makes any coverage
revision which broadens the coverage without an additional premium charge, it will
automatically apply to existing policies if the revision is adopted during the policy term or
within: Answer: 45 days prior to the effective date
◍ What is the binding authority of a Surplus Lines Broker? Answer: A surplus broker does
not have the authority to bind risks
◍ Under the discovery clause in the loss sustained policy, which of the following is covered?
Answer: A loss discovered up to one year after the policy expired but that occurred during the
policy period
◍ Any person who violates any provision of the Code for which another penalty is not
specified may be subject to a fine of not less than ______nor more than ______, or by
imprisonment for up to one year. Answer: $100/$10,000
◍ Which of the following is generally intended to cover property that moves from one
location to another? Answer: Floaters
