Texas All Lines Adjuster Quiz Questions and Answers 2023
(Verified Answers)
In order to become a licensed Insurance Adjuster in the state of TX, an individual must
be_______________ yrs old.
18
The Texas All Lines Adjuster License can only be held by residents of TX? T or F
False
List type of Insurance Adjuster Licenses available in Texas:
1. All Lines
2. Work Comp
3. Surety
4. Casualty & Property
5. Public Adjuster
The TX All Lines Insurance Adjuster License is valid for 2 yrs, and subject to Continue
Ed requirements set forth by TDI. T or F
True
The All Lines License can be renewed within ____________ days of its expiration.
90 days
If you are audited by TDI and they find that you haven't completed the necessary CE
hours to maintain your license, they can fine you __________ per uncompleted hour.
$50
Section 542.057 in the Tx Insurance Code was designed to
___________________________.
Insure prompt payment of claims
Section 542.059 in the Tx Insurance code allows _________________________ to be
expempt.
Catastrophe
Within the first 15 calendar days of receiving the claim you must:
1. Ack receipt of claim in writing.
2. Investigate
3. Request additional information from clmt.
Once the insurance company receives the requested items they have 15 business days
to:
1. Except or deny claim
2. Request more time for arsin or engineering
How many do you have after your license expires to renew it?
90 days
When does your license expire?
2 years on your birthday
How many business days do you have for arsin?
30 business days
How many business days do you have for engineering?
45 business days
, Penalties for insurer's who delay paying claims beyond ___________ days unless delay
is authorized by TX law.
60 days
How many days does the insurer have to send a check once they agree to pay the
claim?
5 business days
The deceptive trade practices act prevents insurers from refusing a policy renewal
based on?
1. Age
2. Sex
3. Religion
A carrier can refuse renewal of a policy due to _________ non weather related claims in
______________ years or less.
3&3
Home Owners - A provides coverage A (structure) and Coverage B (personal property
contents) on a ________________________.
Names Peril
Home owners - B provides coverage A (structure) for ___________________, unless
specifically excluded and coverage B (personal property contents) on a names peril
basis.
All risk
Coverage A (dwelling) has a _____________ % of coverage A limit of liability for other
structure.
10%
Coverage B (Personal Property Contents) provides:
1. Coverage of property anywhere in the world
2. Special limits on certain property, ie theft
Special Limist of Liability:
1. Cash is limited to _____________.
2. Jewelry theft loss limited to __________________.
1. $500; if you have over $500 that is stolen, you still only get $500.
2. $1000 max for 1 article stolen / $2500 max for more than 1 article stolen.
Coverage C protects against _______________________.
Personal Liability
Coverage D protects against __________________________.
Medical payment to others
Animals or birds owned or kept by an insured or occupants of the premises are covered
under _______________________________________.
Exclusions (birds and animals are not covered)
Fire, Hurricane, Wind storm, theft are examples of what?
Peril
What part of the policy do you find a persons name and locations?
Dec page
Ending a policy before a renewal date is known as ______________________.
Cancellation
Special limit only applies to ______________________?
(Verified Answers)
In order to become a licensed Insurance Adjuster in the state of TX, an individual must
be_______________ yrs old.
18
The Texas All Lines Adjuster License can only be held by residents of TX? T or F
False
List type of Insurance Adjuster Licenses available in Texas:
1. All Lines
2. Work Comp
3. Surety
4. Casualty & Property
5. Public Adjuster
The TX All Lines Insurance Adjuster License is valid for 2 yrs, and subject to Continue
Ed requirements set forth by TDI. T or F
True
The All Lines License can be renewed within ____________ days of its expiration.
90 days
If you are audited by TDI and they find that you haven't completed the necessary CE
hours to maintain your license, they can fine you __________ per uncompleted hour.
$50
Section 542.057 in the Tx Insurance Code was designed to
___________________________.
Insure prompt payment of claims
Section 542.059 in the Tx Insurance code allows _________________________ to be
expempt.
Catastrophe
Within the first 15 calendar days of receiving the claim you must:
1. Ack receipt of claim in writing.
2. Investigate
3. Request additional information from clmt.
Once the insurance company receives the requested items they have 15 business days
to:
1. Except or deny claim
2. Request more time for arsin or engineering
How many do you have after your license expires to renew it?
90 days
When does your license expire?
2 years on your birthday
How many business days do you have for arsin?
30 business days
How many business days do you have for engineering?
45 business days
, Penalties for insurer's who delay paying claims beyond ___________ days unless delay
is authorized by TX law.
60 days
How many days does the insurer have to send a check once they agree to pay the
claim?
5 business days
The deceptive trade practices act prevents insurers from refusing a policy renewal
based on?
1. Age
2. Sex
3. Religion
A carrier can refuse renewal of a policy due to _________ non weather related claims in
______________ years or less.
3&3
Home Owners - A provides coverage A (structure) and Coverage B (personal property
contents) on a ________________________.
Names Peril
Home owners - B provides coverage A (structure) for ___________________, unless
specifically excluded and coverage B (personal property contents) on a names peril
basis.
All risk
Coverage A (dwelling) has a _____________ % of coverage A limit of liability for other
structure.
10%
Coverage B (Personal Property Contents) provides:
1. Coverage of property anywhere in the world
2. Special limits on certain property, ie theft
Special Limist of Liability:
1. Cash is limited to _____________.
2. Jewelry theft loss limited to __________________.
1. $500; if you have over $500 that is stolen, you still only get $500.
2. $1000 max for 1 article stolen / $2500 max for more than 1 article stolen.
Coverage C protects against _______________________.
Personal Liability
Coverage D protects against __________________________.
Medical payment to others
Animals or birds owned or kept by an insured or occupants of the premises are covered
under _______________________________________.
Exclusions (birds and animals are not covered)
Fire, Hurricane, Wind storm, theft are examples of what?
Peril
What part of the policy do you find a persons name and locations?
Dec page
Ending a policy before a renewal date is known as ______________________.
Cancellation
Special limit only applies to ______________________?
