GA Claims Adjuster Licensing Exam With
129 Questions and answers Updated
2025/26 100% PASS
What coverage does Community Eligibility apply to? - Correct Answers Flood insurance through FEMA
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! What's the difference between Emergency Program and Regular Program in the National Flood Insurance
II! II! II! II! II! II! II! II! II! II! II! II! II!
II! Program? - Correct Answers Emergency applies to homes in communities that are a normally not a
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! flood hazard. Regular programs are awarded to an entire community that is eligible due to flood hazard.
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! What is the flood coverage on a regular program in a 1-4 Family Dwelling? - Correct Answers $250,000
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! On what policy can you add the Flood Program endorsement? - Correct Answers None! It has its own
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! policy through the Federal Government.
II! II! II! II!
II! Difference in Conditions (DIC) Insurance - Correct Answers A separate insurance policy that provides
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! open-perils coverage to fill in the gaps left by flood coverage if a home is worth over $250K. Coverage is
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! produced through Excess/Surplus Lines. II! II! II!
II! What is the waiting period on NFIP coverage? - Correct Answers 30 days after policy purchase
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! What is the coverage change waiting period for the NFIP? - Correct Answers 5 days
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! Give examples of the flood peril - Correct Answers - an overflow of inland or tidal waters
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
- unusual or rapid accumulation or runoff of surface waters
II! II! II! II! II! II! II! II! II!
-Mudflow or Mudslide II! II!
- Collapse of land along the shore of a lake as a result of erosion
II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! What kinds of things does flood insurance cover? - Correct Answers Your house and your things
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! (dwelling and personal property). No indirect charges.
II! II! II! II! II! II!
,II! Dwelling coverage extension for flood insurance covers what? How much is it? - Correct Answers
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! Structures not attached to dwelling (O.S. or Appurtenant structures). 10% of Dwelling limit. ***It is an
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! extension of coverage, NOT the $250K limit so any coverage needed here will reduce the amount able to
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! go to the dwelling.
II! II! II!
II! Contents coverage of flood insurance is limited to what? - Correct Answers Personal property damaged
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! or destroyed by the flood itself and belongs to insured and resident spouse/relatives. The insured is liable
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! for content of others.
II! II! II!
II! What are the coverages of flood insurance? - Correct Answers Dwelling, Contents, Debris Removal
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! How are damaged items valued in flood coverage? - Correct Answers Dwelling - replacement cost
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
Contents - Actual Cash Value II! II! II! II!
II! What kind of property is not covered by flood insurance? - Correct Answers Basements and
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! underground structure (ex. septic tanks), animals, money/accounts/bills, land, anything else covered by
II! II! II! II! II! II! II! II! II! II! II!
II! other policies (motor vehicles, aircraft, watercraft)
II! II! II! II! II!
II! Loss Valuation on flood insurance - Correct Answers (amount of insurance purchased/80% Dwellings
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! Total replacement cost) x Loss Amount
II! II! II! II! II!
II! Standard deductible on flood insurance - Correct Answers $1K for Dwelling and $1K for Content
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! Personal Inland Marine Insurance - Correct Answers Floaters or policies for world-wide coverage of
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! personal property on an open-peril basis. II! II! II! II! II!
II! Is flood excluded from Personal Inland Marine Insurance? - Correct Answers NOPE. It's covered!
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! What are the floaters available on Personal Inland Marine Insurance? - Correct Answers Personal
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! Articles Floaters, Personal Property Floaters, and Personal Effects Floaters
II! II! II! II! II! II! II! II!
, What perils are covered under Personal Inland Marine Insurance floaters? - Correct Answers all; open-
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
peril
II! Which PIMI floater would be appropriate for a diamond ring? Why? - Correct Answers Personal Articles
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! Floater - itemizes valuables such as jewelry and furs
II! II! II! II! II! II! II! II!
What is a Personal Effects Floater good for? What deductible does it have? - Correct Answers world-
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
wide open peril coverage of personal property for people who are traveling - luggage, sports equipment,
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
clothes, and camera. NO DEDUCTIBLE.
II! II! II! II! II!
II! What is a Personal Property Floater good for? What kind of limit do they have? - Correct Answers
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! World-wide open peril coverage of personal property - usually for special occasions like weddings or II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! exhibitions. There is a blanket limit! II! II! II! II! II!
II! Does personal inland marine insurance cover flood? - Correct Answers Yes. Somehow.
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! All of the following coverage is available under a Standard Flood Insurance Policy issued by the National
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! Flood Insurance Program except: II! II! II!
a. Loss of Use
II! II! II!
b. Dwelling
II!
c. Personal Property
II! II!
d. Removal - Correct Answers A. Loss of Use
II! II! II! II! II! II! II! II! II! II! II! II!
II! The maximum number of days that a Standard Flood Insurance Policy will cover property removed is:
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
a. 15 days
II! II!
b. 20 days
II! II!
c. 30 days
II! II!
d. 45 days - Correct Answers d. 45 days
II! II! II! II! II! II! II! II! II! II! II! II!
II! If the limits of insurance available under the National Flood Insurance Program are inadequate, where
II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! can additional coverage be purchased?
II! II! II! II!
a. Homeowners Flood Endorsement
II! II! II!
129 Questions and answers Updated
2025/26 100% PASS
What coverage does Community Eligibility apply to? - Correct Answers Flood insurance through FEMA
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! What's the difference between Emergency Program and Regular Program in the National Flood Insurance
II! II! II! II! II! II! II! II! II! II! II! II! II!
II! Program? - Correct Answers Emergency applies to homes in communities that are a normally not a
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! flood hazard. Regular programs are awarded to an entire community that is eligible due to flood hazard.
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! What is the flood coverage on a regular program in a 1-4 Family Dwelling? - Correct Answers $250,000
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! On what policy can you add the Flood Program endorsement? - Correct Answers None! It has its own
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! policy through the Federal Government.
II! II! II! II!
II! Difference in Conditions (DIC) Insurance - Correct Answers A separate insurance policy that provides
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! open-perils coverage to fill in the gaps left by flood coverage if a home is worth over $250K. Coverage is
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! produced through Excess/Surplus Lines. II! II! II!
II! What is the waiting period on NFIP coverage? - Correct Answers 30 days after policy purchase
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! What is the coverage change waiting period for the NFIP? - Correct Answers 5 days
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! Give examples of the flood peril - Correct Answers - an overflow of inland or tidal waters
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
- unusual or rapid accumulation or runoff of surface waters
II! II! II! II! II! II! II! II! II!
-Mudflow or Mudslide II! II!
- Collapse of land along the shore of a lake as a result of erosion
II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! What kinds of things does flood insurance cover? - Correct Answers Your house and your things
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! (dwelling and personal property). No indirect charges.
II! II! II! II! II! II!
,II! Dwelling coverage extension for flood insurance covers what? How much is it? - Correct Answers
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! Structures not attached to dwelling (O.S. or Appurtenant structures). 10% of Dwelling limit. ***It is an
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! extension of coverage, NOT the $250K limit so any coverage needed here will reduce the amount able to
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! go to the dwelling.
II! II! II!
II! Contents coverage of flood insurance is limited to what? - Correct Answers Personal property damaged
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! or destroyed by the flood itself and belongs to insured and resident spouse/relatives. The insured is liable
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! for content of others.
II! II! II!
II! What are the coverages of flood insurance? - Correct Answers Dwelling, Contents, Debris Removal
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! How are damaged items valued in flood coverage? - Correct Answers Dwelling - replacement cost
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
Contents - Actual Cash Value II! II! II! II!
II! What kind of property is not covered by flood insurance? - Correct Answers Basements and
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! underground structure (ex. septic tanks), animals, money/accounts/bills, land, anything else covered by
II! II! II! II! II! II! II! II! II! II! II!
II! other policies (motor vehicles, aircraft, watercraft)
II! II! II! II! II!
II! Loss Valuation on flood insurance - Correct Answers (amount of insurance purchased/80% Dwellings
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! Total replacement cost) x Loss Amount
II! II! II! II! II!
II! Standard deductible on flood insurance - Correct Answers $1K for Dwelling and $1K for Content
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! Personal Inland Marine Insurance - Correct Answers Floaters or policies for world-wide coverage of
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! personal property on an open-peril basis. II! II! II! II! II!
II! Is flood excluded from Personal Inland Marine Insurance? - Correct Answers NOPE. It's covered!
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! What are the floaters available on Personal Inland Marine Insurance? - Correct Answers Personal
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! Articles Floaters, Personal Property Floaters, and Personal Effects Floaters
II! II! II! II! II! II! II! II!
, What perils are covered under Personal Inland Marine Insurance floaters? - Correct Answers all; open-
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
peril
II! Which PIMI floater would be appropriate for a diamond ring? Why? - Correct Answers Personal Articles
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! Floater - itemizes valuables such as jewelry and furs
II! II! II! II! II! II! II! II!
What is a Personal Effects Floater good for? What deductible does it have? - Correct Answers world-
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
wide open peril coverage of personal property for people who are traveling - luggage, sports equipment,
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
clothes, and camera. NO DEDUCTIBLE.
II! II! II! II! II!
II! What is a Personal Property Floater good for? What kind of limit do they have? - Correct Answers
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! World-wide open peril coverage of personal property - usually for special occasions like weddings or II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! exhibitions. There is a blanket limit! II! II! II! II! II!
II! Does personal inland marine insurance cover flood? - Correct Answers Yes. Somehow.
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! All of the following coverage is available under a Standard Flood Insurance Policy issued by the National
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! Flood Insurance Program except: II! II! II!
a. Loss of Use
II! II! II!
b. Dwelling
II!
c. Personal Property
II! II!
d. Removal - Correct Answers A. Loss of Use
II! II! II! II! II! II! II! II! II! II! II! II!
II! The maximum number of days that a Standard Flood Insurance Policy will cover property removed is:
II! II! II! II! II! II! II! II! II! II! II! II! II! II! II!
a. 15 days
II! II!
b. 20 days
II! II!
c. 30 days
II! II!
d. 45 days - Correct Answers d. 45 days
II! II! II! II! II! II! II! II! II! II! II! II!
II! If the limits of insurance available under the National Flood Insurance Program are inadequate, where
II! II! II! II! II! II! II! II! II! II! II! II! II! II!
II! can additional coverage be purchased?
II! II! II! II!
a. Homeowners Flood Endorsement
II! II! II!
