insurance adjusting Exam (Latest 2025
/ 2026) Tested Questions with Revised
Answers, (A+ Guarantee)
10% removal squares by 1.10 - CORRECT ANSWERS Gable roofs have what waste factor so
multiply what by what?
15% removal squares by 1.15 - CORRECT ANSWERS Hip roofs have what waste factor so
multiply what by what?
.33, .67, or whole number - CORRECT ANSWERS Always round composition and laminate
shingle replacement to?
.25, .50, .75, or whole number - CORRECT ANSWERS Always round wood shingle replacement
to?
Up- eave to ridge + eave to ridge
Over- length of ridge - CORRECT ANSWERS Gable roof square footage calculated by up and
over explain?
Up- eave to ridge + eave to ridge
Over- end of eave to end of eave - CORRECT ANSWERS Hip roof square footage calculated by
up and over explain?
walls, walls and ceiling, floor, perimeter ceiling, half ceiling, ceiling, perimeter, perimeter floor, square,
half wall - CORRECT ANSWERS What do these codes mean in Xactimate ( W, WC, F, PC, .5C, C,
P, PF, SQ, .5W)?
,remove, replace, remove and replace, detach and reset, standard grade, average grade, high grade,
premium grade) - CORRECT ANSWERS What do these codes mean in Xactimate ( -, +, &, R,
AV-, AV, AV+, AV++)?
living area sq footage multiplied by current construction cost in area - CORRECT ANSWERS
How do you determine replacement cost of a home?
length x height - CORRECT ANSWERS Area of a wall?
length x width - CORRECT ANSWERS Area of ceiling?
length x width - CORRECT ANSWERS Area of floor?
divide the inch by 12 - CORRECT ANSWERS How do you convert inches to a decimal?
Additional Living Expenses (ALE) - CORRECT ANSWERS Over and above normal expenses (i.e.
hotel stay)
Coverage A Limit of Liability - CORRECT ANSWERS If you have a percentage deductible where
is that percentage always taken from?
Structure or Dwelling - CORRECT ANSWERS What does Coverage A mean?
Personal property or contents - CORRECT ANSWERS What does Coverage B mean?
Limit of Liablity - CORRECT ANSWERS Maximum amount of coverage available
, if removal of item will diminish value of home - CORRECT ANSWERS How do you tell the
difference between structure and contents?
Determine deductible, determine where loss occurred, do calculations - CORRECT ANSWERS
3 steps to handle content claim
Absorbing the Deductible - CORRECT ANSWERS Applying the excess of a limit from a covered
loss towards the deductible
loss of use - CORRECT ANSWERS Do not absorb any excess that does not have a deductible
like?
Item description, cost, adjusted column, excess, deductible - CORRECT ANSWERS Your
calculations table should include these categories?
Perils - CORRECT ANSWERS Causes of loss
Residence premises and attached structures - CORRECT ANSWERS Coverage A includes?
the greater of 10% of Coverage A or limit listed on declarations page - CORRECT ANSWERS
What is coverage limit on other structures?
Appraisal - CORRECT ANSWERS What is the process when an insurer and an insured have a
dispute regarding the amount of damage on a claim?
Material Misrepresentation - CORRECT ANSWERS What is a significant misstatement in an
application form.
Age, Condition, Life Expectancy - CORRECT ANSWERS Depreciation is based on these factors?
/ 2026) Tested Questions with Revised
Answers, (A+ Guarantee)
10% removal squares by 1.10 - CORRECT ANSWERS Gable roofs have what waste factor so
multiply what by what?
15% removal squares by 1.15 - CORRECT ANSWERS Hip roofs have what waste factor so
multiply what by what?
.33, .67, or whole number - CORRECT ANSWERS Always round composition and laminate
shingle replacement to?
.25, .50, .75, or whole number - CORRECT ANSWERS Always round wood shingle replacement
to?
Up- eave to ridge + eave to ridge
Over- length of ridge - CORRECT ANSWERS Gable roof square footage calculated by up and
over explain?
Up- eave to ridge + eave to ridge
Over- end of eave to end of eave - CORRECT ANSWERS Hip roof square footage calculated by
up and over explain?
walls, walls and ceiling, floor, perimeter ceiling, half ceiling, ceiling, perimeter, perimeter floor, square,
half wall - CORRECT ANSWERS What do these codes mean in Xactimate ( W, WC, F, PC, .5C, C,
P, PF, SQ, .5W)?
,remove, replace, remove and replace, detach and reset, standard grade, average grade, high grade,
premium grade) - CORRECT ANSWERS What do these codes mean in Xactimate ( -, +, &, R,
AV-, AV, AV+, AV++)?
living area sq footage multiplied by current construction cost in area - CORRECT ANSWERS
How do you determine replacement cost of a home?
length x height - CORRECT ANSWERS Area of a wall?
length x width - CORRECT ANSWERS Area of ceiling?
length x width - CORRECT ANSWERS Area of floor?
divide the inch by 12 - CORRECT ANSWERS How do you convert inches to a decimal?
Additional Living Expenses (ALE) - CORRECT ANSWERS Over and above normal expenses (i.e.
hotel stay)
Coverage A Limit of Liability - CORRECT ANSWERS If you have a percentage deductible where
is that percentage always taken from?
Structure or Dwelling - CORRECT ANSWERS What does Coverage A mean?
Personal property or contents - CORRECT ANSWERS What does Coverage B mean?
Limit of Liablity - CORRECT ANSWERS Maximum amount of coverage available
, if removal of item will diminish value of home - CORRECT ANSWERS How do you tell the
difference between structure and contents?
Determine deductible, determine where loss occurred, do calculations - CORRECT ANSWERS
3 steps to handle content claim
Absorbing the Deductible - CORRECT ANSWERS Applying the excess of a limit from a covered
loss towards the deductible
loss of use - CORRECT ANSWERS Do not absorb any excess that does not have a deductible
like?
Item description, cost, adjusted column, excess, deductible - CORRECT ANSWERS Your
calculations table should include these categories?
Perils - CORRECT ANSWERS Causes of loss
Residence premises and attached structures - CORRECT ANSWERS Coverage A includes?
the greater of 10% of Coverage A or limit listed on declarations page - CORRECT ANSWERS
What is coverage limit on other structures?
Appraisal - CORRECT ANSWERS What is the process when an insurer and an insured have a
dispute regarding the amount of damage on a claim?
Material Misrepresentation - CORRECT ANSWERS What is a significant misstatement in an
application form.
Age, Condition, Life Expectancy - CORRECT ANSWERS Depreciation is based on these factors?
