ADJUSTER PRO LATEST EXAM ACTUAL QUESTIONS WITH
COMPLETE VERIFIED ANSWERS ALREADY PASSED &
GRADED A++ 100% GUARANTEED.
John is doing some lawn maintenance using a steel blade on his weed-whacker.
He fails to properly tighten the blade and it comes loose while he is trimming
some tall grass at the edge of his property. The blade flies off towards his
neighbor's house and crashes into the HVAC unit, severing the lines and
effectively destroying the unit. Which coverage in John's homeowners policy
might pay for the damage he caused to his neighbor's HVAC system?
A. Coverage E - Personal Liability
B. Coverage B - Other Structures
C. None
D. Coverage A - Dwelling
A
Which of the following expenses would NOT be covered under a homeowners
policy additional coverage called Claims Expenses?
A. Interest accrual on judgements
B. Administrative costs related to renewing the insured's policy
C. Premiums for bonds required in a lawsuit defended by the insurer
D. Up to $250 per day for the insured's lost wages while the insured is helping
with the claim investigation
B
A neighbor stepped on a rusty rake while walking through Jake's backyard,
unannounced. He ends up with a bad case of tetanus and has to stay in the
,hospital for three days. He files a claim against Jake, who protests any
wrongdoing because he believes his neighbor was trespassing and should be
responsible for his own injury. Jake wants a court of law to settle the dispute.
How can the insurer settle the claim put forth by Jake's neighbor?
A. The insurer can settle anyway it finds advantageous to its interests.
B. The insurer must use arbitration since Jake feels he is not at fault.
C. The insurer can only settle in court if Jake demands a lawsuit.
D. The insurer must settle however Jake's neighbor wishes.
A
Frances is visiting her mom's grave and notices that several headstones in the
cemetery have been defaced with spray-paint, including her mother's. Frances
hires a professional cleaning service to remove the spray-paint from her mother's
headstone. Which type of additional coverage in her homeowners policy could
help Frances with the cost of removing the paint?
A. None
B. Grave Markers coverage
C. Reasonable repairs coverage
D. Debris Removal coverage
B
Following a covered loss, which of these expenses would NOT be covered under
Coverage F - Medical Payments in a homeowners policy?
A. Funeral services
B. Dental costs
C. Hospital stays
D. Weight loss surgery
D
Paul lives in an area where property values are appreciating rapidly. He would like
his homeowner's policy to reflect the increase in the value of his home. Which
,endorsement might Paul purchase to accomplish this?
A. Inflation Guard
B. Increased Limits on Personal Property
C. Additional Structures
D. Valuation Endorsement
A
Under Coverage F - Medical Payments to Others, the Payment of Claim provision
states:
A. all payments made under Coverage F will be paid at actual cash value.
B. Coverage F is voluntary coverage: even if a claim is paid, it is not an admission
of the insurer's liability.
C. no payments will be made until the insurer's liability has been determined.
Under Coverage F - Medical Payments to Others, the Payment of Claim provision
states that Coverage F is voluntary coverage: even if a claim is paid, it is not an
admission of the insurer's liability.
D. the insurer reserves the right to demand a proof of loss before paying an
indemnity under Coverage F.
B
Ron works from home. After a kitchen fire renders his home uninhabitable, he is
forced to rent an apartment in town while the repairs are made. Which type of
coverage could help Ron pay the cost of renting the apartment?
A. Coverage B - Other Structures
B. Coverage A - Dwelling
C. None
D. Coverage D - Loss of Use
D
John's home is totally destroyed by a fire, and along with it most of his personal
property. A few of the items were scheduled in his homeowners policy, such as
, his Rolex watch and a few antiques, but everything else was left as "unscheduled
property." These "unscheduled" items,
A. will not be covered.
The Scheduled Personal Property endorsement is used to list (or schedule)
certain items with higher coverage limits. Otherwise, all personal property
normally kept at the insured premises is covered up to the Coverage C limit, with
no need to list, or schedule, each individual item.
B. will have to be scheduled before they can be covered.
C. will take twice as long for indemnification since their times weren't scheduled.
D. will be covered under the normal policy limits
D
The Liberalization clause in a homeowners policy:
A. states that the insurer is obligated to pay out only up to the limit set by the
policy, but must do so within 60 days of receiving proof of loss.
In the HO policy, the Liberalization provision applies not only to changes made
during the policy period, but also to any changes up to 60 days before it goes into
effect.
B. states that only losses occurring during the policy period will be paid.
C. applies not only to changes made during the policy period, but also to any
changes made up to 60 days before the policy went into effect.
D. voids the policy if the insured deliberately conceals or misstates pertinent info.
C
To meet the 80% level of co-insurance required by his lender, Tom discovers he
must insure his home for at least $320,000. What is the value of Tom's home?
A. $440,000
B. $256,000
$320,% = $400,000
COMPLETE VERIFIED ANSWERS ALREADY PASSED &
GRADED A++ 100% GUARANTEED.
John is doing some lawn maintenance using a steel blade on his weed-whacker.
He fails to properly tighten the blade and it comes loose while he is trimming
some tall grass at the edge of his property. The blade flies off towards his
neighbor's house and crashes into the HVAC unit, severing the lines and
effectively destroying the unit. Which coverage in John's homeowners policy
might pay for the damage he caused to his neighbor's HVAC system?
A. Coverage E - Personal Liability
B. Coverage B - Other Structures
C. None
D. Coverage A - Dwelling
A
Which of the following expenses would NOT be covered under a homeowners
policy additional coverage called Claims Expenses?
A. Interest accrual on judgements
B. Administrative costs related to renewing the insured's policy
C. Premiums for bonds required in a lawsuit defended by the insurer
D. Up to $250 per day for the insured's lost wages while the insured is helping
with the claim investigation
B
A neighbor stepped on a rusty rake while walking through Jake's backyard,
unannounced. He ends up with a bad case of tetanus and has to stay in the
,hospital for three days. He files a claim against Jake, who protests any
wrongdoing because he believes his neighbor was trespassing and should be
responsible for his own injury. Jake wants a court of law to settle the dispute.
How can the insurer settle the claim put forth by Jake's neighbor?
A. The insurer can settle anyway it finds advantageous to its interests.
B. The insurer must use arbitration since Jake feels he is not at fault.
C. The insurer can only settle in court if Jake demands a lawsuit.
D. The insurer must settle however Jake's neighbor wishes.
A
Frances is visiting her mom's grave and notices that several headstones in the
cemetery have been defaced with spray-paint, including her mother's. Frances
hires a professional cleaning service to remove the spray-paint from her mother's
headstone. Which type of additional coverage in her homeowners policy could
help Frances with the cost of removing the paint?
A. None
B. Grave Markers coverage
C. Reasonable repairs coverage
D. Debris Removal coverage
B
Following a covered loss, which of these expenses would NOT be covered under
Coverage F - Medical Payments in a homeowners policy?
A. Funeral services
B. Dental costs
C. Hospital stays
D. Weight loss surgery
D
Paul lives in an area where property values are appreciating rapidly. He would like
his homeowner's policy to reflect the increase in the value of his home. Which
,endorsement might Paul purchase to accomplish this?
A. Inflation Guard
B. Increased Limits on Personal Property
C. Additional Structures
D. Valuation Endorsement
A
Under Coverage F - Medical Payments to Others, the Payment of Claim provision
states:
A. all payments made under Coverage F will be paid at actual cash value.
B. Coverage F is voluntary coverage: even if a claim is paid, it is not an admission
of the insurer's liability.
C. no payments will be made until the insurer's liability has been determined.
Under Coverage F - Medical Payments to Others, the Payment of Claim provision
states that Coverage F is voluntary coverage: even if a claim is paid, it is not an
admission of the insurer's liability.
D. the insurer reserves the right to demand a proof of loss before paying an
indemnity under Coverage F.
B
Ron works from home. After a kitchen fire renders his home uninhabitable, he is
forced to rent an apartment in town while the repairs are made. Which type of
coverage could help Ron pay the cost of renting the apartment?
A. Coverage B - Other Structures
B. Coverage A - Dwelling
C. None
D. Coverage D - Loss of Use
D
John's home is totally destroyed by a fire, and along with it most of his personal
property. A few of the items were scheduled in his homeowners policy, such as
, his Rolex watch and a few antiques, but everything else was left as "unscheduled
property." These "unscheduled" items,
A. will not be covered.
The Scheduled Personal Property endorsement is used to list (or schedule)
certain items with higher coverage limits. Otherwise, all personal property
normally kept at the insured premises is covered up to the Coverage C limit, with
no need to list, or schedule, each individual item.
B. will have to be scheduled before they can be covered.
C. will take twice as long for indemnification since their times weren't scheduled.
D. will be covered under the normal policy limits
D
The Liberalization clause in a homeowners policy:
A. states that the insurer is obligated to pay out only up to the limit set by the
policy, but must do so within 60 days of receiving proof of loss.
In the HO policy, the Liberalization provision applies not only to changes made
during the policy period, but also to any changes up to 60 days before it goes into
effect.
B. states that only losses occurring during the policy period will be paid.
C. applies not only to changes made during the policy period, but also to any
changes made up to 60 days before the policy went into effect.
D. voids the policy if the insured deliberately conceals or misstates pertinent info.
C
To meet the 80% level of co-insurance required by his lender, Tom discovers he
must insure his home for at least $320,000. What is the value of Tom's home?
A. $440,000
B. $256,000
$320,% = $400,000
