Texas Claims Adjuster Flashcards Exam
Questions with Verified Solutions
2025-2026 Already Passed A+.
Which one of the following terms best describes premises liability?
Property owner's responsibility to maintain a reasonably safe environment.
A miscellaneous bond is most likely used for:
Financial Institution Bond.
Which items describe a hazard?
An explosive in a home basement.
Which answer best describes when an insurance company will pay the costs to repair or replace
damaged property by a covered cause of loss without a deduction for depreciation?
Settle claim at replacement cost.
Withholding _____________ has become a common practice of contractors in hail storm claims.
Overhead and Profit.
Which statement below is best practice for insured to handle a claim?
It must be "reported" to be investigated and resolved.
,A fire has occurred in Mr. Wong's garage. The date of the loss is February 17, 2013. After filing
the claim, Mr. Wong discovered a small problem; his policy covers the period from February 1,
2012 through February 1, 2013. The date February 1, 2013 what would be considered his
policies?
Expiration date.
How would you resolve a hailstorm which caused major damage to the named insured's wood
fence at the insured location? The fence was estimated to be about 10-years old. How will the
adjuster determine the settlement of this claim per the Homeowners Form — B policy without an
added endorsement?
Actual Cash Value.
A large fire destroyed all of the insured's living room furniture. Under what coverage in the
Homeowners B policy would this loss be applied?
Personal property.
How would you resolve? A large hailstone broke the front window of an insured's dwelling, Mr.
Policyholder went to the lumberyard and purchased a sheet of wood to cover the broken
window. The insurance company will reimburse the policyholder at a later date. What is this
example called?
Incurred expenses.
A large amount of debris fell into an insured's yard, in which section of the Homeowner's policy
would the Debris Removal clause be found?
Section 1 – Property Additional Coverage.
Which representative of the insurer (insurance company) seeks to determine the extent of the
insurer's liability for loss when a claim is submitted?
An Adjuster.
Choosing to maintain your license, what example below would apply?
You must meet the continue education requirement.
A supermarket had an accident where a customer purchased a carton of milk that had a small
leak in it that caused the tile flooring to become slippery. When several customers lost their
, footing as a result of the slippery floor, they filed a claim for injuries. Under what type of
Commercial General Liability policy would this claim be filed.
Product liability.
A Texas claims adjuster receives his adjusters license from the Texas Department of Insurance
on March 16, 2013. During what month and year will he need to renew his license by?
03/16/2015 is correct.
What would result if a policy condition eliminated coverage for a type of risk?
Policy exclusion.
John Smith is a Californian resident and has applied for a Texas
adjuster's license after passing the adjuster pre-licensing exam. How would you describe his
residential status to be considered by Texas Department of Insurance?
Non-resident of Texas.
If an insurer has a reasonable basis to believe that a loss resulted from arson; the insurer shall
notify the claimant in writing of the acceptance or rejection of the claim not later than
___________________.
30 days.
Which is the correct name for the oldest type of insurance that covers ocean vessels?
Ocean Marine.
Adjuster Johnson completes a thorough inspection on a flood- damaged dwelling. Adjuster
Johnson makes a payment under the Flood policy. The settlement will afford the insured to
repair their home to a safe, secure, and sanitary condition. The __________ would oversee the
repair standards.
FEMA is correct.
After a hailstorm Mrs. Martinez files, a claim. When the adjuster arrives to inspect her home, she
decides to show the adjuster some other damage not related to the recent hailstorm. After
reviewing the damages, the adjuster realizes that some of her damage will not be covered
Questions with Verified Solutions
2025-2026 Already Passed A+.
Which one of the following terms best describes premises liability?
Property owner's responsibility to maintain a reasonably safe environment.
A miscellaneous bond is most likely used for:
Financial Institution Bond.
Which items describe a hazard?
An explosive in a home basement.
Which answer best describes when an insurance company will pay the costs to repair or replace
damaged property by a covered cause of loss without a deduction for depreciation?
Settle claim at replacement cost.
Withholding _____________ has become a common practice of contractors in hail storm claims.
Overhead and Profit.
Which statement below is best practice for insured to handle a claim?
It must be "reported" to be investigated and resolved.
,A fire has occurred in Mr. Wong's garage. The date of the loss is February 17, 2013. After filing
the claim, Mr. Wong discovered a small problem; his policy covers the period from February 1,
2012 through February 1, 2013. The date February 1, 2013 what would be considered his
policies?
Expiration date.
How would you resolve a hailstorm which caused major damage to the named insured's wood
fence at the insured location? The fence was estimated to be about 10-years old. How will the
adjuster determine the settlement of this claim per the Homeowners Form — B policy without an
added endorsement?
Actual Cash Value.
A large fire destroyed all of the insured's living room furniture. Under what coverage in the
Homeowners B policy would this loss be applied?
Personal property.
How would you resolve? A large hailstone broke the front window of an insured's dwelling, Mr.
Policyholder went to the lumberyard and purchased a sheet of wood to cover the broken
window. The insurance company will reimburse the policyholder at a later date. What is this
example called?
Incurred expenses.
A large amount of debris fell into an insured's yard, in which section of the Homeowner's policy
would the Debris Removal clause be found?
Section 1 – Property Additional Coverage.
Which representative of the insurer (insurance company) seeks to determine the extent of the
insurer's liability for loss when a claim is submitted?
An Adjuster.
Choosing to maintain your license, what example below would apply?
You must meet the continue education requirement.
A supermarket had an accident where a customer purchased a carton of milk that had a small
leak in it that caused the tile flooring to become slippery. When several customers lost their
, footing as a result of the slippery floor, they filed a claim for injuries. Under what type of
Commercial General Liability policy would this claim be filed.
Product liability.
A Texas claims adjuster receives his adjusters license from the Texas Department of Insurance
on March 16, 2013. During what month and year will he need to renew his license by?
03/16/2015 is correct.
What would result if a policy condition eliminated coverage for a type of risk?
Policy exclusion.
John Smith is a Californian resident and has applied for a Texas
adjuster's license after passing the adjuster pre-licensing exam. How would you describe his
residential status to be considered by Texas Department of Insurance?
Non-resident of Texas.
If an insurer has a reasonable basis to believe that a loss resulted from arson; the insurer shall
notify the claimant in writing of the acceptance or rejection of the claim not later than
___________________.
30 days.
Which is the correct name for the oldest type of insurance that covers ocean vessels?
Ocean Marine.
Adjuster Johnson completes a thorough inspection on a flood- damaged dwelling. Adjuster
Johnson makes a payment under the Flood policy. The settlement will afford the insured to
repair their home to a safe, secure, and sanitary condition. The __________ would oversee the
repair standards.
FEMA is correct.
After a hailstorm Mrs. Martinez files, a claim. When the adjuster arrives to inspect her home, she
decides to show the adjuster some other damage not related to the recent hailstorm. After
reviewing the damages, the adjuster realizes that some of her damage will not be covered
