Illinois Public Adjuster Exam Latest Update
2025-2026 115 Questions and 100% Verified
Correct Answers Guaranteed A+
A commercial building insured added replacement cost, is destroyed doing the
rebuilding. It is discovered that a sprinkler system would need to be installed due to a
change in building codes. Which is correct - CORRECT ANSWER: The sprinkler system
will be covered up to $10,000 or 5% of the building limit, which ever is less
A commercial tenant signed a 10 year lease, and immediately added $70,000 worth of
improvements and betterment. The tenant purchased commercial property insurance
with a limit of $500,000 with a deductible of $1000. How much will the tenant INSURER
pay for the loss? - CORRECT ANSWER: Nothing
A gable roof 32 feet long is to have rafters installed 16 inches on center. How many
Rafters are needed - CORRECT ANSWER: 24
A gable roof 32' long is to have rafters installed 16 inches on center. How many rafters
or needed? - CORRECT ANSWER: 24
A gable roof is 32 feet long is to have rafters installed 16 inches on center. How many
Raptors are needed? - CORRECT ANSWER: 50
A hip roof is 42 feet long and 24 feet wide. How long is the ridge? - CORRECT
ANSWER: 18'
A hip roof is 42' long and 24'cfeet wide. How long is the Ridge? - CORRECT ANSWER:
42'
, A homeowner must replace or repair property in order to receive replacement cost
settlement. However, the Insurer will pay replacement cost in a covered loss to buildings
or other structures prior to repair or replacement if the loss is less than $2500 and.. -
CORRECT ANSWER: The loss is also less than 5% of the limit on the building
A three year old commercial building insured on in all risk form suffers a roof, to Cave in.
It is determined that the roof trusses had a latent defect. How is the insured covered? -
CORRECT ANSWER: There is coverage up to $10,000
A two year old commercial building Insured on an all Risk form, suffers a roof caved in.
It is determined that the roof trusses had a (latent) defect. How is the insured covered? -
CORRECT ANSWER: There is no coverage
A windstorm that leads to interior damage of a home would only be covered if... -
CORRECT ANSWER: The wind storm first causing opening in the walls or the roof
An HO-3 Policy, named peril protection for which of the following? - CORRECT
ANSWER: Contents only
An Insured commercial building Insured for $500,000 sustains $100,000 in fire damage.
Which of the following would NOT also be automatically covered? - CORRECT
ANSWER: Pollution cleanup at a neighboring premises.
An insured commercial building is vandalized, which of the following damage would be
covered? - CORRECT ANSWER: An antenna on top of the building
An insured has a standard farm policy with the EC endorsements attached. Which of
the following claims would NOT be covered - CORRECT ANSWER: Collapse of the roof
from the weight of snow and ice
An insured may not - CORRECT ANSWER: Abandon property to the insurance
company
2025-2026 115 Questions and 100% Verified
Correct Answers Guaranteed A+
A commercial building insured added replacement cost, is destroyed doing the
rebuilding. It is discovered that a sprinkler system would need to be installed due to a
change in building codes. Which is correct - CORRECT ANSWER: The sprinkler system
will be covered up to $10,000 or 5% of the building limit, which ever is less
A commercial tenant signed a 10 year lease, and immediately added $70,000 worth of
improvements and betterment. The tenant purchased commercial property insurance
with a limit of $500,000 with a deductible of $1000. How much will the tenant INSURER
pay for the loss? - CORRECT ANSWER: Nothing
A gable roof 32 feet long is to have rafters installed 16 inches on center. How many
Rafters are needed - CORRECT ANSWER: 24
A gable roof 32' long is to have rafters installed 16 inches on center. How many rafters
or needed? - CORRECT ANSWER: 24
A gable roof is 32 feet long is to have rafters installed 16 inches on center. How many
Raptors are needed? - CORRECT ANSWER: 50
A hip roof is 42 feet long and 24 feet wide. How long is the ridge? - CORRECT
ANSWER: 18'
A hip roof is 42' long and 24'cfeet wide. How long is the Ridge? - CORRECT ANSWER:
42'
, A homeowner must replace or repair property in order to receive replacement cost
settlement. However, the Insurer will pay replacement cost in a covered loss to buildings
or other structures prior to repair or replacement if the loss is less than $2500 and.. -
CORRECT ANSWER: The loss is also less than 5% of the limit on the building
A three year old commercial building insured on in all risk form suffers a roof, to Cave in.
It is determined that the roof trusses had a latent defect. How is the insured covered? -
CORRECT ANSWER: There is coverage up to $10,000
A two year old commercial building Insured on an all Risk form, suffers a roof caved in.
It is determined that the roof trusses had a (latent) defect. How is the insured covered? -
CORRECT ANSWER: There is no coverage
A windstorm that leads to interior damage of a home would only be covered if... -
CORRECT ANSWER: The wind storm first causing opening in the walls or the roof
An HO-3 Policy, named peril protection for which of the following? - CORRECT
ANSWER: Contents only
An Insured commercial building Insured for $500,000 sustains $100,000 in fire damage.
Which of the following would NOT also be automatically covered? - CORRECT
ANSWER: Pollution cleanup at a neighboring premises.
An insured commercial building is vandalized, which of the following damage would be
covered? - CORRECT ANSWER: An antenna on top of the building
An insured has a standard farm policy with the EC endorsements attached. Which of
the following claims would NOT be covered - CORRECT ANSWER: Collapse of the roof
from the weight of snow and ice
An insured may not - CORRECT ANSWER: Abandon property to the insurance
company
