USAA INSURANCE ADJUSTER CERTIFICATION
EXAMINATION 2026 QUESTIONS AND FULL
SOLUTION GUIDE
● All fires are not covered by the Standard Fire policies, only those that:
Answer: are hostile and have a flame or glow
● At what time does a fire policy go into affect? Answer: 12:01am
standard time at the location of the insured's property
● A property is insured under two Standard Fire policies for $25,000
each. A fire causes $10,000 worth of damage. What is the maximum
amount the insured may collect under each policy? Answer: $5,000
● A fire burning in the middle of the living room would be considered:
Answer: a hostile fire
● An insured's house is damaged by fire caused by a neighbor's
negligence. The insurance company will attempt to recover damage from
the neighbor. This is called: Answer: subrogation
,● Which of the following statements are true concerning requirements of
the standard fire policy? Answer: The insured must separate damaged
from undamaged property in the event there is a loss AND If a loss
occurs, the insured normally has 60 days to file a proof of loss with the
insurer
● Which types of property are excluded from coverage under the basic
fire policy? Answer: accounts, currency, deeds, and securities
● Who is insured under the Standard Fire policy? Answer: the named
insured and his legal representatives
● An agreement which affords temporary insurance protection until the
policy is issued is called: Answer: a binder
● as a general rule, a complete fire insurance policy would be made up
of: Answer: the Standard Fire policy with one or more forms attached
● The one condition listed below which will not void a fire policy:
a) false swearing
b) misrepresentation
c) over-insurance
d) concealment Answer: over-insurance
,● replacement cost minus depreciation: Answer: Actual Cash Value
(ACV)
● The Standard Fire policy with an extended coverage endorsement
attached covers which of the following: Answer: riot
● A loss due to order of Civil Authority: Answer: is excluded unless the
loss occurs because of an order by Civil Authorities for the purpose of
controlling a fire
● The term "unoccupancy" refers to the absence of : Answer: persons
from a building
● Suppose a fire occurs on February 26th. On April 30th, the insurance
company notifies the mortgagee the insured has not filed a proof of loss.
To protect their interest, the mortgagee must file a proof of loss within
_________ days after what date? Answer: 60 days after April 30th
● For recovery under the Standard Fire policy, a party must: Answer: be
named in the policy and show an insurable interest in the property at the
time the loss occurs
● What is the requirement on how much experience one must have to be
elected the insurance commissioner in Georgia? Answer: None
, ● Once elected, how long is the insurance commissioner's term?
Answer: 4 years
● Is there a limit on the number of terms an insurance commissioner can
serve? Answer: No
● Who is Georgia's current insurance commissioner? Answer: Ralph
Hudgens
● What two capacities does Georgia's insurance commissioner serve?
Answer: 1. Chief Officer of Insurance Dept.
2. Chief Fire Marshall
● What happens if the Insurance Commissioner has to resign early?
Answer: No election; the Chief Deputy will take over
● What is the requirement to serve as Chief Deputy in Georgia? Answer:
must have a bond in the amount of $15,000
● If you are a domestic insurer in Georgia, how often does code say your
financials must be examined? Answer: once every 5 years
EXAMINATION 2026 QUESTIONS AND FULL
SOLUTION GUIDE
● All fires are not covered by the Standard Fire policies, only those that:
Answer: are hostile and have a flame or glow
● At what time does a fire policy go into affect? Answer: 12:01am
standard time at the location of the insured's property
● A property is insured under two Standard Fire policies for $25,000
each. A fire causes $10,000 worth of damage. What is the maximum
amount the insured may collect under each policy? Answer: $5,000
● A fire burning in the middle of the living room would be considered:
Answer: a hostile fire
● An insured's house is damaged by fire caused by a neighbor's
negligence. The insurance company will attempt to recover damage from
the neighbor. This is called: Answer: subrogation
,● Which of the following statements are true concerning requirements of
the standard fire policy? Answer: The insured must separate damaged
from undamaged property in the event there is a loss AND If a loss
occurs, the insured normally has 60 days to file a proof of loss with the
insurer
● Which types of property are excluded from coverage under the basic
fire policy? Answer: accounts, currency, deeds, and securities
● Who is insured under the Standard Fire policy? Answer: the named
insured and his legal representatives
● An agreement which affords temporary insurance protection until the
policy is issued is called: Answer: a binder
● as a general rule, a complete fire insurance policy would be made up
of: Answer: the Standard Fire policy with one or more forms attached
● The one condition listed below which will not void a fire policy:
a) false swearing
b) misrepresentation
c) over-insurance
d) concealment Answer: over-insurance
,● replacement cost minus depreciation: Answer: Actual Cash Value
(ACV)
● The Standard Fire policy with an extended coverage endorsement
attached covers which of the following: Answer: riot
● A loss due to order of Civil Authority: Answer: is excluded unless the
loss occurs because of an order by Civil Authorities for the purpose of
controlling a fire
● The term "unoccupancy" refers to the absence of : Answer: persons
from a building
● Suppose a fire occurs on February 26th. On April 30th, the insurance
company notifies the mortgagee the insured has not filed a proof of loss.
To protect their interest, the mortgagee must file a proof of loss within
_________ days after what date? Answer: 60 days after April 30th
● For recovery under the Standard Fire policy, a party must: Answer: be
named in the policy and show an insurable interest in the property at the
time the loss occurs
● What is the requirement on how much experience one must have to be
elected the insurance commissioner in Georgia? Answer: None
, ● Once elected, how long is the insurance commissioner's term?
Answer: 4 years
● Is there a limit on the number of terms an insurance commissioner can
serve? Answer: No
● Who is Georgia's current insurance commissioner? Answer: Ralph
Hudgens
● What two capacities does Georgia's insurance commissioner serve?
Answer: 1. Chief Officer of Insurance Dept.
2. Chief Fire Marshall
● What happens if the Insurance Commissioner has to resign early?
Answer: No election; the Chief Deputy will take over
● What is the requirement to serve as Chief Deputy in Georgia? Answer:
must have a bond in the amount of $15,000
● If you are a domestic insurer in Georgia, how often does code say your
financials must be examined? Answer: once every 5 years
