1
TEXAS ALL-LINES ADJUSTER COURSE FINAL EXAM
QUESTIONS WITH
COMPLETE SOLUTIONS GUARANTEED PASS BRAND
NEW 2025/2026
Jim is a public adjuster. He has an arrangement with a water extraction
company who pays him a commission of 10% for every referral that Jim
sends their way. Which of the following statements is correct? -
CORRECT ANSWER>>This arrangement reflects a breach of ethical
conduct and a violation that could jeopardize Jim's licensure.
Which of the following would NOT be covered under Coverage C
Personal Property? - CORRECT ANSWER>>Your 10-year old German
Shepherd chokes on a bone and passes away.
A tornado strikes a duplex that is insured under a Dwelling (DP-3)
policy. Which of the following would NOT be covered by the Dwelling
policy? - CORRECT ANSWER>>Damage to another duplex right next
door, also owned by the landlord.
Common carriers (i.e. 18-wheelers, trains, planes, etc.) are responsible
for damage to customer goods they transport EXCEPT for damages
resulting from: - CORRECT ANSWER>>Acts of God
You have just started your career handling Texas workers'
compensation claims. Which one of the following WOULD BE
considered a violation of the Texas Unfair Claim Settlement Practices
Act? - CORRECT ANSWER>>Not responding to an employee's calls
,2
because you're overworked and the claim involves complex issues you
just don't feel like addressing.
Which type of bond would be used to cover the exposure to employee
theft? - CORRECT ANSWER>>Fidelity bond
Garrett wants a Texas All Lines Adjuster's license. Which of the
following actions will be necessary for Garrett to secure such a license?
- CORRECT ANSWER>>Pass a state qualifying exam or pre-licensing
course that is certified by the Texas Department of Insurance that
includes an approved, comprehensive final 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 means that: -
CORRECT ANSWER>>All risks of direct physical loss are covered unless
they are excluded
Assume your home caught fire due to a faulty electrical device. and one
month after the fire you receive a bill from the fire department for
$450.00 for responding to the fire. Would this be paid under your
homeowner's policy? - CORRECT ANSWER>>Yes. It is called Fire
Department Service Charge and is an Additional Coverage provided
under the policy, limited to $500.
Generally, if an employee suffers an occupational injury and accepts
workers' compensation benefits, he or she: - CORRECT
ANSWER>>Gives up the right to sue the employer for personal injury
and pain and suffering. The employee can only make claim for workers'
compensation benefits.
,3
Janelle has a Texas Personal Auto Policy with 30/60/25 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? - CORRECT ANSWER>>$60,000
A person or entity who guarantees the performance or payment of one
party who is obligated by contract to another is called a: - CORRECT
ANSWER>>Surety
If your insured were to ask you if a Dwelling policy would pay for his
loss of rental income after a fire loss while the property is being
repaired. what would you tell him? - CORRECT ANSWER>>Yes, and it's
called Fair Rental Value coverage and is available under Coverage D.
Fred runs a convenience store that sells gasoline. One 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? - CORRECT
ANSWER>>Pollution Clean Up and Removal
, 4
A cargo ship loaded with lumber and sailing from Seattle, 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: - CORRECT ANSWER>>Jettison
Roberto owns a house on Lake Conroe. The house is 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? - CORRECT ANSWER>>Coverage D: Loss of Use
Dwelling policies: - CORRECT ANSWER>>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 bonds generally
used to insure against? - CORRECT ANSWER>>Embezzlement
To be compensable under workers' compensation laws, most
jurisdictions require that an injury: - CORRECT ANSWER>>arise out of
and in the course of employment.
A customer of the Sunshine Grocery Store hit her leg on a low shelf in
the isle of the store. The claim was assigned to you for handling. After
contacting the claimant and 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
TEXAS ALL-LINES ADJUSTER COURSE FINAL EXAM
QUESTIONS WITH
COMPLETE SOLUTIONS GUARANTEED PASS BRAND
NEW 2025/2026
Jim is a public adjuster. He has an arrangement with a water extraction
company who pays him a commission of 10% for every referral that Jim
sends their way. Which of the following statements is correct? -
CORRECT ANSWER>>This arrangement reflects a breach of ethical
conduct and a violation that could jeopardize Jim's licensure.
Which of the following would NOT be covered under Coverage C
Personal Property? - CORRECT ANSWER>>Your 10-year old German
Shepherd chokes on a bone and passes away.
A tornado strikes a duplex that is insured under a Dwelling (DP-3)
policy. Which of the following would NOT be covered by the Dwelling
policy? - CORRECT ANSWER>>Damage to another duplex right next
door, also owned by the landlord.
Common carriers (i.e. 18-wheelers, trains, planes, etc.) are responsible
for damage to customer goods they transport EXCEPT for damages
resulting from: - CORRECT ANSWER>>Acts of God
You have just started your career handling Texas workers'
compensation claims. Which one of the following WOULD BE
considered a violation of the Texas Unfair Claim Settlement Practices
Act? - CORRECT ANSWER>>Not responding to an employee's calls
,2
because you're overworked and the claim involves complex issues you
just don't feel like addressing.
Which type of bond would be used to cover the exposure to employee
theft? - CORRECT ANSWER>>Fidelity bond
Garrett wants a Texas All Lines Adjuster's license. Which of the
following actions will be necessary for Garrett to secure such a license?
- CORRECT ANSWER>>Pass a state qualifying exam or pre-licensing
course that is certified by the Texas Department of Insurance that
includes an approved, comprehensive final 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 means that: -
CORRECT ANSWER>>All risks of direct physical loss are covered unless
they are excluded
Assume your home caught fire due to a faulty electrical device. and one
month after the fire you receive a bill from the fire department for
$450.00 for responding to the fire. Would this be paid under your
homeowner's policy? - CORRECT ANSWER>>Yes. It is called Fire
Department Service Charge and is an Additional Coverage provided
under the policy, limited to $500.
Generally, if an employee suffers an occupational injury and accepts
workers' compensation benefits, he or she: - CORRECT
ANSWER>>Gives up the right to sue the employer for personal injury
and pain and suffering. The employee can only make claim for workers'
compensation benefits.
,3
Janelle has a Texas Personal Auto Policy with 30/60/25 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? - CORRECT ANSWER>>$60,000
A person or entity who guarantees the performance or payment of one
party who is obligated by contract to another is called a: - CORRECT
ANSWER>>Surety
If your insured were to ask you if a Dwelling policy would pay for his
loss of rental income after a fire loss while the property is being
repaired. what would you tell him? - CORRECT ANSWER>>Yes, and it's
called Fair Rental Value coverage and is available under Coverage D.
Fred runs a convenience store that sells gasoline. One 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? - CORRECT
ANSWER>>Pollution Clean Up and Removal
, 4
A cargo ship loaded with lumber and sailing from Seattle, 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: - CORRECT ANSWER>>Jettison
Roberto owns a house on Lake Conroe. The house is 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? - CORRECT ANSWER>>Coverage D: Loss of Use
Dwelling policies: - CORRECT ANSWER>>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 bonds generally
used to insure against? - CORRECT ANSWER>>Embezzlement
To be compensable under workers' compensation laws, most
jurisdictions require that an injury: - CORRECT ANSWER>>arise out of
and in the course of employment.
A customer of the Sunshine Grocery Store hit her leg on a low shelf in
the isle of the store. The claim was assigned to you for handling. After
contacting the claimant and 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
