Page | 1 m m
CALIFORNIA ADJUSTER PSI EXAM 2025| BRA m m m m m
ND NEW ACTUAL EXAM WITH 100% VERIFIED
m m m m m m m
QUESTIONS AND CORRECT SOLUTIONS| GUA m m m m
RANTEED VALUE PACK| ACE YOUR GRADES. m m m m m
Which of the following is not a duty of an insurer in case of a loss?
m m m m m m m m m m m m m m m
Conduct a thorough investigation
m m m
Establish claim procedures and methods of documentation Acknowledg
m m m m m m m
e receipt of a claim in a timely fashion
m m m m m m m m
Separate the damaged property from the undamaged property and protect
m m m m m m m m m
mthe property from further loss - correct answer -
m m m m m m m m
mThe correct answer is: Separate the damaged property from the undamag
m m m m m m m m m m
ed property and protect the property from further loss.
m m m m m m m m
EXPLANATION:
The insurance company is not required to separate the damaged propert
m m m m m m m m m m
y from the undamaged property nor to protect the property from further lo
m m m m m m m m m m m m
ss. This is the responsibility of the insured.
m m m m m m m
Which of the following statements is true about "additional coverages" in
m m m m m m m m m m m
most insurance policies?
m m
They are included at no extra cost.
m m m m m m
, Page | 2 m m
They are automatically included only when the loss is less than a dedu
m m m m m m m m m m m m
ctible.
They are included for a minimum premium.
m m m m m m
They are optional on the part of the insured. - correct answer -
m m m m m m m m m m m m
mThe correct answer is: They are included at no extra cost.
m m m m m m m m m m
EXPLANATION:
Examples of "additional coverages" would be debris removal and reaso
m m m m m m m m m
nable repairs which are automatically included in most property forms.
m m m m m m m m m
Which of the following are are essential if a salvage award is to be made?
m m m m m m m m m m m m m m
I. The property involved must be in peril from some hazard.
m m m m m m m m m
II. The salvage service must be voluntary.
m m m m m
III. The effort must be successful.
m m m m
I and III only
m m m
m m I and II onlm m
y I, II and III
m m m m
II and III only - correct answer - The correct answer is: I, II and III
m m m m m m m m m m m m m m m
EXPLANATION:
All of these are essential if a salvage award is to be made.
m m m m m m m m m m m m
, Page | 3 m m
The endorsement for water that backs up through a sewer or drain incl
m m m m m m m m m m m m
uding mechanical breakdown of a sump pump contains which of the foll
m m m m m m m m m m m
owing?
A separate stated limit of coverage
m m m m m
A separate stated deductible for covered losses Bot
m m m m m m m
h answers are correct
m m m
Neither answer is correct - correct answer -
m m m m m m m
The correct answer is: Both answers are correct.
m m m m m m m m
EXPLANATION:
The endorsement will set a limit of coverage per occurrence for these loss
m m m m m m m m m m m m
es and also impose a stated deductible, which could be less than or great
m m m m m m m m m m m m m
er than the standard deductible for property losses stated on the declarati
m m m m m m m m m m m
ons page. Both the coverage limit and the deductible vary based on each i
m m m m m m m m m m m m m
nsurer's underwriting guidelines.
m m
All of the following are duties of an insured when filing a claim, EXCEPT:
m m m m m m m m m m m m m
Providing an adjuster to investigate the claim. Provi
m m m m m m m
ding a proof of loss statement.
m m m m m
Preserving the undamaged property to the best of his/her ability to avoid ad
m m m m m m m m m m m m
ditional loss. m
Full cooperation in providing the insurance company with all relevant books
m m m m m m m m m m
mand records. - correct answer -
m m m m m
mThe correct answer is: Providing an adjuster to investigate the claim.
m m m m m m m m m m
EXPLANATION:
, Page | 4 m m
It is the duty of the insurer to investigate the claim. The insured is not o
m m m m m m m m m m m m m m m
bligated to obtain an adjuster. If there is a dispute, the insured has the
m m m m m m m m m m m m m m
option of retaining an attorney or hiring a public adjuster.
m m m m m m m m m
If a contractor does not properly protect a job site, another person could be inj
m m m m m m m m m m m m m m
ured. This is an example of:
m m m m m
Negligence m
A tort
m
A civil wrong
m m
All of the responses are correct - correct answer -
m m m m m m m m m
The correct answer is: All of the responses are correct
m m m m m m m m m m
EXPLANATION:
All of the responses are correct and is the purpose of the coverage pro
m m m m m m m m m m m m m
vided by the CGL policy.
m m m m
Under the "regular program" a flood insurance policy will insure a single
m m m m m m m m m m m
family residence for up to:
m m m m m
$250,000.
$35,000.
$100,000.
$185,000. - correct answer - The correct answer is: $250,000.
m m m m m m m m m
CALIFORNIA ADJUSTER PSI EXAM 2025| BRA m m m m m
ND NEW ACTUAL EXAM WITH 100% VERIFIED
m m m m m m m
QUESTIONS AND CORRECT SOLUTIONS| GUA m m m m
RANTEED VALUE PACK| ACE YOUR GRADES. m m m m m
Which of the following is not a duty of an insurer in case of a loss?
m m m m m m m m m m m m m m m
Conduct a thorough investigation
m m m
Establish claim procedures and methods of documentation Acknowledg
m m m m m m m
e receipt of a claim in a timely fashion
m m m m m m m m
Separate the damaged property from the undamaged property and protect
m m m m m m m m m
mthe property from further loss - correct answer -
m m m m m m m m
mThe correct answer is: Separate the damaged property from the undamag
m m m m m m m m m m
ed property and protect the property from further loss.
m m m m m m m m
EXPLANATION:
The insurance company is not required to separate the damaged propert
m m m m m m m m m m
y from the undamaged property nor to protect the property from further lo
m m m m m m m m m m m m
ss. This is the responsibility of the insured.
m m m m m m m
Which of the following statements is true about "additional coverages" in
m m m m m m m m m m m
most insurance policies?
m m
They are included at no extra cost.
m m m m m m
, Page | 2 m m
They are automatically included only when the loss is less than a dedu
m m m m m m m m m m m m
ctible.
They are included for a minimum premium.
m m m m m m
They are optional on the part of the insured. - correct answer -
m m m m m m m m m m m m
mThe correct answer is: They are included at no extra cost.
m m m m m m m m m m
EXPLANATION:
Examples of "additional coverages" would be debris removal and reaso
m m m m m m m m m
nable repairs which are automatically included in most property forms.
m m m m m m m m m
Which of the following are are essential if a salvage award is to be made?
m m m m m m m m m m m m m m
I. The property involved must be in peril from some hazard.
m m m m m m m m m
II. The salvage service must be voluntary.
m m m m m
III. The effort must be successful.
m m m m
I and III only
m m m
m m I and II onlm m
y I, II and III
m m m m
II and III only - correct answer - The correct answer is: I, II and III
m m m m m m m m m m m m m m m
EXPLANATION:
All of these are essential if a salvage award is to be made.
m m m m m m m m m m m m
, Page | 3 m m
The endorsement for water that backs up through a sewer or drain incl
m m m m m m m m m m m m
uding mechanical breakdown of a sump pump contains which of the foll
m m m m m m m m m m m
owing?
A separate stated limit of coverage
m m m m m
A separate stated deductible for covered losses Bot
m m m m m m m
h answers are correct
m m m
Neither answer is correct - correct answer -
m m m m m m m
The correct answer is: Both answers are correct.
m m m m m m m m
EXPLANATION:
The endorsement will set a limit of coverage per occurrence for these loss
m m m m m m m m m m m m
es and also impose a stated deductible, which could be less than or great
m m m m m m m m m m m m m
er than the standard deductible for property losses stated on the declarati
m m m m m m m m m m m
ons page. Both the coverage limit and the deductible vary based on each i
m m m m m m m m m m m m m
nsurer's underwriting guidelines.
m m
All of the following are duties of an insured when filing a claim, EXCEPT:
m m m m m m m m m m m m m
Providing an adjuster to investigate the claim. Provi
m m m m m m m
ding a proof of loss statement.
m m m m m
Preserving the undamaged property to the best of his/her ability to avoid ad
m m m m m m m m m m m m
ditional loss. m
Full cooperation in providing the insurance company with all relevant books
m m m m m m m m m m
mand records. - correct answer -
m m m m m
mThe correct answer is: Providing an adjuster to investigate the claim.
m m m m m m m m m m
EXPLANATION:
, Page | 4 m m
It is the duty of the insurer to investigate the claim. The insured is not o
m m m m m m m m m m m m m m m
bligated to obtain an adjuster. If there is a dispute, the insured has the
m m m m m m m m m m m m m m
option of retaining an attorney or hiring a public adjuster.
m m m m m m m m m
If a contractor does not properly protect a job site, another person could be inj
m m m m m m m m m m m m m m
ured. This is an example of:
m m m m m
Negligence m
A tort
m
A civil wrong
m m
All of the responses are correct - correct answer -
m m m m m m m m m
The correct answer is: All of the responses are correct
m m m m m m m m m m
EXPLANATION:
All of the responses are correct and is the purpose of the coverage pro
m m m m m m m m m m m m m
vided by the CGL policy.
m m m m
Under the "regular program" a flood insurance policy will insure a single
m m m m m m m m m m m
family residence for up to:
m m m m m
$250,000.
$35,000.
$100,000.
$185,000. - correct answer - The correct answer is: $250,000.
m m m m m m m m m
