HAWAII ADJUSTER PRACTICE
EXAMINATION 2026 QUESTIONS
WITH ANSWERS GRADED A+
◍ Coverage F on HO-3 will pay medical expenses for.
Answer: Anyone invited onto your property and injured while there not a
resident "Medical Payments to Others"
◍ Negligence or a tort.
Answer: A legal duty owed is proven and breach of legal duty owed is also
present
◍ Under the Standard Fire policy, how many days of coverage is provided by
the policy to cover property moved to another location when the property is
endangered by the perils insured against under the policy?.
Answer: 5 days
◍ 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
,◍ A common carrier is not liable for the loss of a shipper's goods when the
loss results from.
Answer: An act of God such as floods, hurricanes or negligence of the
shipper (poor packaging)
◍ Under the National Flood Insurance Program, replacement cost coverage is
available for:.
Answer: Single family dwellings only.
◍ Inland marine insurance is commonly used to insure.
Answer: property and goods while they are on a vessel on the water,
coverage ends when goods are offloaded onto land
◍ 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
◍ A threat of violence or injury in the act of stealing is called.
Answer: Robbery, requires stealing by means of a threat of violence or
injury
◍ After necessary filing for catastrophe, the license is legal to use for
________ days.
Answer: 120 days
◍ 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
◍ The form used to report the insured's actual and estimated business income
under an Equipment Breakdown policy is called:.
Answer: Business income—Report of Values
◍ What is the name of the standard form for fire insurance in Hawaii?.
Answer: The New York 1943 standard fire form
◍ 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
◍ A home burns and all of the jewelry is lost. The maximum the insured can
collect under the HO-3 policy for the jewelry is.
Answer: S1,500, an unedorsed HO provides ACV for personal property
◍ 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
◍ Which of the following best describes the meaning of "contract of
adhesion?".
Answer: Since the insurance company formulates the policy, any
ambiguitious language favors the insured
◍ What is the maximum that will be paid under replacement cost coverage
under the HO forms for dwellings?.
Answer: The total price to replace the dwelling up to the dwelling limit, if
adequate coverage is in place
◍ 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
EXAMINATION 2026 QUESTIONS
WITH ANSWERS GRADED A+
◍ Coverage F on HO-3 will pay medical expenses for.
Answer: Anyone invited onto your property and injured while there not a
resident "Medical Payments to Others"
◍ Negligence or a tort.
Answer: A legal duty owed is proven and breach of legal duty owed is also
present
◍ Under the Standard Fire policy, how many days of coverage is provided by
the policy to cover property moved to another location when the property is
endangered by the perils insured against under the policy?.
Answer: 5 days
◍ 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
,◍ A common carrier is not liable for the loss of a shipper's goods when the
loss results from.
Answer: An act of God such as floods, hurricanes or negligence of the
shipper (poor packaging)
◍ Under the National Flood Insurance Program, replacement cost coverage is
available for:.
Answer: Single family dwellings only.
◍ Inland marine insurance is commonly used to insure.
Answer: property and goods while they are on a vessel on the water,
coverage ends when goods are offloaded onto land
◍ 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
◍ A threat of violence or injury in the act of stealing is called.
Answer: Robbery, requires stealing by means of a threat of violence or
injury
◍ After necessary filing for catastrophe, the license is legal to use for
________ days.
Answer: 120 days
◍ 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
◍ The form used to report the insured's actual and estimated business income
under an Equipment Breakdown policy is called:.
Answer: Business income—Report of Values
◍ What is the name of the standard form for fire insurance in Hawaii?.
Answer: The New York 1943 standard fire form
◍ 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
◍ A home burns and all of the jewelry is lost. The maximum the insured can
collect under the HO-3 policy for the jewelry is.
Answer: S1,500, an unedorsed HO provides ACV for personal property
◍ 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
◍ Which of the following best describes the meaning of "contract of
adhesion?".
Answer: Since the insurance company formulates the policy, any
ambiguitious language favors the insured
◍ What is the maximum that will be paid under replacement cost coverage
under the HO forms for dwellings?.
Answer: The total price to replace the dwelling up to the dwelling limit, if
adequate coverage is in place
◍ 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
