CALIFORNIA ADJUSTER PSI EXAM
2025/2026 QUESTIONS AND ANSWERS
100% PASS
Duty of an insurer in case of a loss - ANS The insurer is required to conduct a thorough
investigation, establish claim procedures and methods of documentation, and acknowledge
receipt of a claim in a timely fashion.
Responsibility of an insured in case of a loss - ANS The insured must separate the damaged
property from the undamaged property and protect the property from further loss.
Definition of 'additional coverages' in insurance policies - ANS Additional coverages are
included in insurance policies at no extra cost. Examples of additional coverages include debris
removal and reasonable repairs.
Essential conditions for a salvage award - ANS To be eligible for a salvage award, the
property involved must be in peril from some hazard, the salvage service must be voluntary,
and the salvage effort must be successful.
Contents of an endorsement for water backup through a sewer or drain - ANS An
endorsement for water backup through a sewer or drain includes a separate stated limit of
coverage and a separate stated deductible for covered losses.
1 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED
, Duties of an insured when filing a claim - ANS When filing a claim, the insured is responsible
for providing a proof of loss statement, preserving the undamaged property, and fully
cooperating in providing relevant books and records.
Example of an act that could lead to injury - ANS An example of an act that could lead to
injury is the improper protection of a job site by a contractor.
Coverage limit for a single-family residence under the regular flood program - ANS The
coverage limit for a single-family residence under the regular flood program is $250,000.
Eligibility for a Businessowners Policy - ANS A funeral home is eligible for a Businessowners
Policy.
Application of self-insured retention in an umbrella policy - ANS Self-insured retention is
applied in an umbrella policy when the umbrella policy covers a liability claim that is excluded
by primary policies.
Duration of disability period for an injured employee to receive temporary disability
compensation - ANS An injured employee must be disabled for a period beyond 14 days to
receive temporary disability compensation.
Purpose of an attorney providing notice of deposition - ANS The purpose of an attorney
providing notice of deposition is to secure a recorded statement under oath.
Definition of preauthorization/precertification - ANS Preauthorization/precertification is the
determination by a health benefit plan that proposed health care services are medically
necessary.
Subrogation by an insurance company - ANS An insurance company can subrogate for the
actual amount paid, plus the insured's deductible.
2 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED
2025/2026 QUESTIONS AND ANSWERS
100% PASS
Duty of an insurer in case of a loss - ANS The insurer is required to conduct a thorough
investigation, establish claim procedures and methods of documentation, and acknowledge
receipt of a claim in a timely fashion.
Responsibility of an insured in case of a loss - ANS The insured must separate the damaged
property from the undamaged property and protect the property from further loss.
Definition of 'additional coverages' in insurance policies - ANS Additional coverages are
included in insurance policies at no extra cost. Examples of additional coverages include debris
removal and reasonable repairs.
Essential conditions for a salvage award - ANS To be eligible for a salvage award, the
property involved must be in peril from some hazard, the salvage service must be voluntary,
and the salvage effort must be successful.
Contents of an endorsement for water backup through a sewer or drain - ANS An
endorsement for water backup through a sewer or drain includes a separate stated limit of
coverage and a separate stated deductible for covered losses.
1 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED
, Duties of an insured when filing a claim - ANS When filing a claim, the insured is responsible
for providing a proof of loss statement, preserving the undamaged property, and fully
cooperating in providing relevant books and records.
Example of an act that could lead to injury - ANS An example of an act that could lead to
injury is the improper protection of a job site by a contractor.
Coverage limit for a single-family residence under the regular flood program - ANS The
coverage limit for a single-family residence under the regular flood program is $250,000.
Eligibility for a Businessowners Policy - ANS A funeral home is eligible for a Businessowners
Policy.
Application of self-insured retention in an umbrella policy - ANS Self-insured retention is
applied in an umbrella policy when the umbrella policy covers a liability claim that is excluded
by primary policies.
Duration of disability period for an injured employee to receive temporary disability
compensation - ANS An injured employee must be disabled for a period beyond 14 days to
receive temporary disability compensation.
Purpose of an attorney providing notice of deposition - ANS The purpose of an attorney
providing notice of deposition is to secure a recorded statement under oath.
Definition of preauthorization/precertification - ANS Preauthorization/precertification is the
determination by a health benefit plan that proposed health care services are medically
necessary.
Subrogation by an insurance company - ANS An insurance company can subrogate for the
actual amount paid, plus the insured's deductible.
2 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED
