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Series 17-70 New York State Independent Adjuster
License Practice Exam 2025 Latest Prep Test Bank
with 370 Questions and Correct Answers/NYS
Independent Adjuster Exam Prep Guide (new!)
Which of the following would NOT be found in the
conditions section of a homeowners insurance policy?
Subrogation rights
Duties of the insured
Insurance premium
Mortgagee clause - ...ANSWER...✓✓ The insurance
premium is not shown in the conditions section of the
homeowner policy.
Which of the following is true regarding dealers physical
damage coverage under a garage policy?
It is a blanket limit for covered autos.
It extends coverage to customers' autos.
It is an annual maximum limit for comprehensive and
collision losses.
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It is a maximum limit per auto. - ...ANSWER...✓✓ It is a
blanket limit for covered autos.
EXPLANATION:
The dealer's physical damage limit would be done on a
blanket limit basis. This would apply to comprehensive
and collision losses to the auto inventory of the dealer.
This is done because it is simply not practical to schedule
each dealer owned vehicle for physical damage. This is
generally accomplished by the use of a monthly reporting
form.
Which of the following would not be considered an
occupational disease?
Black lung.
Mesothelioma.
Pulmonary fibrosis.
Bending over to pick up a box and hurting your back. -
...ANSWER...✓✓ Bending over to pick up a box and
hurting your back. is correct.
EXPLANATION:
Bending over to pick up a box and causing an injury is a
work related injury and not a disease.
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Which of the following is correct in order for the
additional coverage of "collapse" to be available under
special BOP?
The collapse must be such that the building can not be
used as intended
The remaining part of the structure standing must be
demolished
The remaining part of the structure must be judged
unsound to rebuild on
The building must be leaning, settling or in danger of
collapsing - ...ANSWER...✓✓ The correct answer is: The
collapse must be such that the building can not be used
as intended.
EXPLANATION:
The definition of collapse in the policy is the "abrupt
falling down or caving in of the structure or part of the
structure" and it must render the building as unusable as
intended.
Which of the following would not be eligible for coverage
under a livestock floater?
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Poultry
Cattle
Sheep
Swine - ...ANSWER...✓✓ EXPLANATION:
Poultry is not eligible property under the livestock floater.
The insured owns a motorhome that is not covered by the
insured's Personal Auto policy. This vehicle can be added
to the policy by using which of the following
endorsements?
Miscellaneous Type Vehicle endorsement
Special Type Vehicle endorsement
Recreational Vehicle endorsement
Motorhome endorsement - ...ANSWER...✓✓ The correct
answer is: Miscellaneous Type Vehicle endorsement.
EXPLANATION:
The Miscellaneous Type Vehicle endorsement can be used
to cover motorhomes, motorcycles, etc.
Series 17-70 New York State Independent Adjuster
License Practice Exam 2025 Latest Prep Test Bank
with 370 Questions and Correct Answers/NYS
Independent Adjuster Exam Prep Guide (new!)
Which of the following would NOT be found in the
conditions section of a homeowners insurance policy?
Subrogation rights
Duties of the insured
Insurance premium
Mortgagee clause - ...ANSWER...✓✓ The insurance
premium is not shown in the conditions section of the
homeowner policy.
Which of the following is true regarding dealers physical
damage coverage under a garage policy?
It is a blanket limit for covered autos.
It extends coverage to customers' autos.
It is an annual maximum limit for comprehensive and
collision losses.
,2|Page
It is a maximum limit per auto. - ...ANSWER...✓✓ It is a
blanket limit for covered autos.
EXPLANATION:
The dealer's physical damage limit would be done on a
blanket limit basis. This would apply to comprehensive
and collision losses to the auto inventory of the dealer.
This is done because it is simply not practical to schedule
each dealer owned vehicle for physical damage. This is
generally accomplished by the use of a monthly reporting
form.
Which of the following would not be considered an
occupational disease?
Black lung.
Mesothelioma.
Pulmonary fibrosis.
Bending over to pick up a box and hurting your back. -
...ANSWER...✓✓ Bending over to pick up a box and
hurting your back. is correct.
EXPLANATION:
Bending over to pick up a box and causing an injury is a
work related injury and not a disease.
,3|Page
Which of the following is correct in order for the
additional coverage of "collapse" to be available under
special BOP?
The collapse must be such that the building can not be
used as intended
The remaining part of the structure standing must be
demolished
The remaining part of the structure must be judged
unsound to rebuild on
The building must be leaning, settling or in danger of
collapsing - ...ANSWER...✓✓ The correct answer is: The
collapse must be such that the building can not be used
as intended.
EXPLANATION:
The definition of collapse in the policy is the "abrupt
falling down or caving in of the structure or part of the
structure" and it must render the building as unusable as
intended.
Which of the following would not be eligible for coverage
under a livestock floater?
, 4|Page
Poultry
Cattle
Sheep
Swine - ...ANSWER...✓✓ EXPLANATION:
Poultry is not eligible property under the livestock floater.
The insured owns a motorhome that is not covered by the
insured's Personal Auto policy. This vehicle can be added
to the policy by using which of the following
endorsements?
Miscellaneous Type Vehicle endorsement
Special Type Vehicle endorsement
Recreational Vehicle endorsement
Motorhome endorsement - ...ANSWER...✓✓ The correct
answer is: Miscellaneous Type Vehicle endorsement.
EXPLANATION:
The Miscellaneous Type Vehicle endorsement can be used
to cover motorhomes, motorcycles, etc.
