Louisiana Adjuster 2025/2026 Exam
Questions and Correct Answers | New
Update
The coverage territory of the Business Auto form provides for "worldwide liability
coverage" for private passenger autos that the insured:
a) Hires, leases, rents or borrows without a driver while outside the United States,
its territories and possessions.
b) Purchases while outside the United States, its territories and possessions.
c) Sells while outside the United States, its territories and possessions.
,d) Occupies while outside the United States, its territories and possessions. -
🧠ANSWER ✔✔Hires, leases, rents or borrows without a driver while outside the
United States, its territories and possessions..
Which of the following dwelling types would be eligible for the Limited Theft
coverage endorsement to their Dwelling policy? - 🧠ANSWER ✔✔A nonowner-
occupied one-family dwelling.
Which of the following shows a correct sequence of activities for an adjuster when
negotiating a claim? - 🧠ANSWER ✔✔Acknowledging the claim, then opening a
line of communication with the insured or claimant..
A slippery floor is an example of: - 🧠ANSWER ✔✔A physical hazard.
An insured suffers a partial fire loss to his residence. Under an HO-3 policy what
insuring agreement is available to pay for temporary, alternate living quarters? -
🧠ANSWER ✔✔Coverage D
Which of the following is the BEST explanation as to the reason insurance policies
are called "unilateral contracts"? - 🧠ANSWER ✔✔Because the insurance company
is the only party to the contract that can be sued if they do not meet the terms..
,Which of the following terms means "liability through another person"? -
🧠ANSWER ✔✔Vicarious/Imputed liability
All of the following are duties of the insured after a loss, EXCEPT:
Answer Choices:Select the Correct Answer
a) Promptly hiring a public adjuster to assist in presenting the claim to the
insurance company.
b) Promptly reporting the loss to the insurer.
c) Cooperating with the insurer in the investigation of the claim by providing the
information requested by the adjuster.
d) Submitting to an examination under oath (EUO) if requested by the insurer. -
🧠ANSWER ✔✔Promptly hiring a public adjuster to assist in presenting the claim
to the insurance company
3
COPYRIGHT©JOSHCLAY 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE. PRIVACY
STATEMENT. ALL RIGHTS RESERVED
, The "liberalization clause" of an insurance policy:
a) States that if an insurer decides to broaden its standard policy coverages, then all
outstanding policies issued prior to that decision will automatically receive those
new coverages at no additional premium.
b) States that the insurer retains the right to suspend or cancel the policy at any
time during the policy period.
c) States that if a mortgage company liberalizes its loan agreement with the named
insured, the insurer must be sent the revised wording within 60 days.
d) States that if the insurer broadens its underwriting eligibility requirements, all
previously denied applicants must be notified within 60 days. - 🧠ANSWER
✔✔States that if an insurer decides to broaden its standard policy coverages, then
all outstanding policies issued prior to that decision will automatically receive
those new coverages at no additional premium.
Questions and Correct Answers | New
Update
The coverage territory of the Business Auto form provides for "worldwide liability
coverage" for private passenger autos that the insured:
a) Hires, leases, rents or borrows without a driver while outside the United States,
its territories and possessions.
b) Purchases while outside the United States, its territories and possessions.
c) Sells while outside the United States, its territories and possessions.
,d) Occupies while outside the United States, its territories and possessions. -
🧠ANSWER ✔✔Hires, leases, rents or borrows without a driver while outside the
United States, its territories and possessions..
Which of the following dwelling types would be eligible for the Limited Theft
coverage endorsement to their Dwelling policy? - 🧠ANSWER ✔✔A nonowner-
occupied one-family dwelling.
Which of the following shows a correct sequence of activities for an adjuster when
negotiating a claim? - 🧠ANSWER ✔✔Acknowledging the claim, then opening a
line of communication with the insured or claimant..
A slippery floor is an example of: - 🧠ANSWER ✔✔A physical hazard.
An insured suffers a partial fire loss to his residence. Under an HO-3 policy what
insuring agreement is available to pay for temporary, alternate living quarters? -
🧠ANSWER ✔✔Coverage D
Which of the following is the BEST explanation as to the reason insurance policies
are called "unilateral contracts"? - 🧠ANSWER ✔✔Because the insurance company
is the only party to the contract that can be sued if they do not meet the terms..
,Which of the following terms means "liability through another person"? -
🧠ANSWER ✔✔Vicarious/Imputed liability
All of the following are duties of the insured after a loss, EXCEPT:
Answer Choices:Select the Correct Answer
a) Promptly hiring a public adjuster to assist in presenting the claim to the
insurance company.
b) Promptly reporting the loss to the insurer.
c) Cooperating with the insurer in the investigation of the claim by providing the
information requested by the adjuster.
d) Submitting to an examination under oath (EUO) if requested by the insurer. -
🧠ANSWER ✔✔Promptly hiring a public adjuster to assist in presenting the claim
to the insurance company
3
COPYRIGHT©JOSHCLAY 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE. PRIVACY
STATEMENT. ALL RIGHTS RESERVED
, The "liberalization clause" of an insurance policy:
a) States that if an insurer decides to broaden its standard policy coverages, then all
outstanding policies issued prior to that decision will automatically receive those
new coverages at no additional premium.
b) States that the insurer retains the right to suspend or cancel the policy at any
time during the policy period.
c) States that if a mortgage company liberalizes its loan agreement with the named
insured, the insurer must be sent the revised wording within 60 days.
d) States that if the insurer broadens its underwriting eligibility requirements, all
previously denied applicants must be notified within 60 days. - 🧠ANSWER
✔✔States that if an insurer decides to broaden its standard policy coverages, then
all outstanding policies issued prior to that decision will automatically receive
those new coverages at no additional premium.
