AU 61 Chapter 5
Underwriters have several risk assessment tools available to evaluate flood loss
exposures. As a risk assessment tool, the Flood Insurance Rate Map (FIRM)
Select one:
A. Divides a community into susceptibility zones.
B. Shows the extent to which communities have implemented flood controls.
C. Provides rates to be charged for the flood exposure.
D. Provides an annual forecast for flooding. - answer A. Divides a community into
susceptibility zones.
Which one of the following is measured by the Modified Mercalli scale?
Select one:
A. The damage that an earthquake causes to people, property, and the surface of the
earth
B. The duration of the earthquake
C. Earthquake geographical magnitude
D. The seismic distortion - answerA. The damage that an earthquake causes to people,
property, and the surface of the earth
Wildfire studies have demonstrated the importance of three factors as the primary
means of predicting catastrophic wildfire losses. The three factors are fuel sources,
slope of the land, and
Select one:
A. Weather conditions.
B. Building codes.
C. Population.
D. Road access. - answerD. Road access.
Both hurricanes and tornadoes can be classified based on wind speed and the
destruction they cause. Which one of the following correctly describes the Enhanced
Fujita Tornado Damage Scale as one of these classification methods?
Select one:
A. It classifies tornadoes on a scale of 0 through 5 based on twenty-eight damage
indicators.
B. It identifies twenty-eight categories of wind-driven catastrophes that have occurred in
the past.
C. It assigns names and numbers to eighteen categories of wind and estimates the
effects.
D. It classifies hurricane-force winds into five categories on the basis of maximum
sustained winds. - answerA. It classifies tornadoes on a scale of 0 through 5 based on
twenty-eight damage indicators.
, The National Flood Insurance Program (NFIP) provides up to what maximum amount of
insurance to property owners in special flood hazard areas?
Select one:
A. $1,000
B. $50,000
C. $100,000
D. $1,000,000 - answerD. $1,000,000
Homeowner Susan Herman has been told by her insurance agent that her outdoor
whole-house generator and well pump are especially susceptible to lightning damage.
Which one of the following equipment types or protective devices would best serve to
improve this exposure for Susan?
Select one:
A. Proper grounding
B. Lightning rods
C. Service entrance protectors
D. External fire detectors and alarms - answerA. Proper grounding
Which one of the following often causes destruction or damage to random structures a
long distance away from the blaze of a wildfire?
Select one:
A. Careless people
B. Fire suppression efforts
C. Wind-driven embers
D. Downed electrical lines - answerC. Wind-driven embers
Of the following types of property, which one would be of the most concern to an
underwriter as it relates to potential hail damage?
Select one:
A. Historic buildings with copper or tin roofing
B. Homes with shake shingle roofing
C. Buildings with vinyl siding
D. Modern museums with glass panel roofing - answerA. Historic buildings with copper
or tin roofing
The frequency and severity of the most costly wildfires in the U.S. have occurred in
which one of the following states?
Select one:
A. New Mexico
B. Nevada
C. California
D. Arizona - answerC. California
Which one of the following statements regarding common types of flood is correct?
Select one:
Underwriters have several risk assessment tools available to evaluate flood loss
exposures. As a risk assessment tool, the Flood Insurance Rate Map (FIRM)
Select one:
A. Divides a community into susceptibility zones.
B. Shows the extent to which communities have implemented flood controls.
C. Provides rates to be charged for the flood exposure.
D. Provides an annual forecast for flooding. - answer A. Divides a community into
susceptibility zones.
Which one of the following is measured by the Modified Mercalli scale?
Select one:
A. The damage that an earthquake causes to people, property, and the surface of the
earth
B. The duration of the earthquake
C. Earthquake geographical magnitude
D. The seismic distortion - answerA. The damage that an earthquake causes to people,
property, and the surface of the earth
Wildfire studies have demonstrated the importance of three factors as the primary
means of predicting catastrophic wildfire losses. The three factors are fuel sources,
slope of the land, and
Select one:
A. Weather conditions.
B. Building codes.
C. Population.
D. Road access. - answerD. Road access.
Both hurricanes and tornadoes can be classified based on wind speed and the
destruction they cause. Which one of the following correctly describes the Enhanced
Fujita Tornado Damage Scale as one of these classification methods?
Select one:
A. It classifies tornadoes on a scale of 0 through 5 based on twenty-eight damage
indicators.
B. It identifies twenty-eight categories of wind-driven catastrophes that have occurred in
the past.
C. It assigns names and numbers to eighteen categories of wind and estimates the
effects.
D. It classifies hurricane-force winds into five categories on the basis of maximum
sustained winds. - answerA. It classifies tornadoes on a scale of 0 through 5 based on
twenty-eight damage indicators.
, The National Flood Insurance Program (NFIP) provides up to what maximum amount of
insurance to property owners in special flood hazard areas?
Select one:
A. $1,000
B. $50,000
C. $100,000
D. $1,000,000 - answerD. $1,000,000
Homeowner Susan Herman has been told by her insurance agent that her outdoor
whole-house generator and well pump are especially susceptible to lightning damage.
Which one of the following equipment types or protective devices would best serve to
improve this exposure for Susan?
Select one:
A. Proper grounding
B. Lightning rods
C. Service entrance protectors
D. External fire detectors and alarms - answerA. Proper grounding
Which one of the following often causes destruction or damage to random structures a
long distance away from the blaze of a wildfire?
Select one:
A. Careless people
B. Fire suppression efforts
C. Wind-driven embers
D. Downed electrical lines - answerC. Wind-driven embers
Of the following types of property, which one would be of the most concern to an
underwriter as it relates to potential hail damage?
Select one:
A. Historic buildings with copper or tin roofing
B. Homes with shake shingle roofing
C. Buildings with vinyl siding
D. Modern museums with glass panel roofing - answerA. Historic buildings with copper
or tin roofing
The frequency and severity of the most costly wildfires in the U.S. have occurred in
which one of the following states?
Select one:
A. New Mexico
B. Nevada
C. California
D. Arizona - answerC. California
Which one of the following statements regarding common types of flood is correct?
Select one:
