Adjuster Pro Questions And Answers
A neighbor stepped on a rusty rake while walking through Jake's backyard, unannounced. He
ends up with a bad case of tetanus and has to stay in the hospital for three days. He files a claim
against Jake, who protests any wrongdoing because he believes his nei...
A neighbor stepped on a rusty rake while walking through Jake's backyard, unannounced. He
ends up with a bad case of tetanus and has to stay in the hospital for three days. He files a claim
against Jake, who protests any wrongdoing because he believes his neighbor was trespassing and
should be responsible for his own injury. Jake wants a court of law to settle the dispute. How can
the insurer settle the claim put forth by Jake's neighbor?
A. The insurer can settle anyway it finds advantageous to its interests.
B. The insurer must use arbitration since Jake feels he is not at fault.
C. The insurer can only settle in court if Jake demands a lawsuit.
D. The insurer must settle however Jake's neighbor wishes. A
Frances is visiting her mom's grave and notices that several headstones in the cemetery have
been defaced with spray-paint, including her mother's. Frances hires a professional cleaning
service to remove the spray-paint from her mother's headstone. Which type of additional
coverage in her homeowners policy could help Frances with the cost of removing the paint?
A. None
B. Grave Markers coverage
C. Reasonable repairs coverage
, Adjuster Pro Questions And Answers
D. Debris Removal coverage B
Following a covered loss, which of these expenses would NOT be covered under Coverage F -
Medical Payments in a homeowners policy?
A. Funeral services
B. Dental costs
C. Hospital stays
D. Weight loss surgery D
Paul lives in an area where property values are appreciating rapidly. He would like his
homeowner's policy to reflect the increase in the value of his home. Which endorsement might
Paul purchase to accomplish this?
A. Inflation Guard
B. Increased Limits on Personal Property
C. Additional Structures
D. Valuation Endorsement A
, Adjuster Pro Questions And Answers
Under Coverage F - Medical Payments to Others, the Payment of Claim provision states:
A. all payments made under Coverage F will be paid at actual cash value.
B. Coverage F is voluntary coverage: even if a claim is paid, it is not an admission of the
insurer's liability.
C. no payments will be made until the insurer's liability has been determined.
Under Coverage F - Medical Payments to Others, the Payment of Claim provision states that
Coverage F is voluntary coverage: even if a claim is paid, it is not an admission of the insurer's
liability.
D. the insurer reserves the right to demand a proof of loss before paying an indemnity under
Coverage F. B
Ron works from home. After a kitchen fire renders his home uninhabitable, he is forced to rent
an apartment in town while the repairs are made. Which type of coverage could help Ron pay the
cost of renting the apartment?
A. Coverage B - Other Structures
B. Coverage A - Dwelling
C. None
, Adjuster Pro Questions And Answers
D. Coverage D - Loss of Use D
John's home is totally destroyed by a fire, and along with it most of his personal property. A few
of the items were scheduled in his homeowners policy, such as his Rolex watch and a few
antiques, but everything else was left as "unscheduled property." These "unscheduled" items,
A. will not be covered.
The Scheduled Personal Property endorsement is used to list (or schedule) certain items with
higher coverage limits. Otherwise, all personal property normally kept at the insured premises is
covered up to the Coverage C limit, with no need to list, or schedule, each individual item.
B. will have to be scheduled before they can be covered.
C. will take twice as long for indemnification since their times weren't scheduled.
D. will be covered under the normal policy limits D
The Liberalization clause in a homeowners policy:
A. states that the insurer is obligated to pay out only up to the limit set by the policy, but must do
so within 60 days of receiving proof of loss.
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