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TEXAS ADJUSTER EXAM (
ACTUAL EXAM) QUESTIO NS AND
ANSWERS /100% VERIFIED.
Question : A severe thunderstorm damaged a
policyholder's residence. He called and asked how long it would be before he receives payment for his claim.Which of the following would NOT be an appropriate response?
CORRECT ANSWER : We have 6 months to reach a
final settlement with you.
Question : Janelle has just graduated college and is
interested in becoming an adjuster. she would like to be able to handle any type of claim. The most
comprehensive type of license would be:
CORRECT ANSWER : All-Lines
Question : Jack and Rebecca own a vacation home on
Galveston Island which they have insured under an HO-3 policy. After a week long winter ski trip to Aspen, they return home to find their house burglarized and their 50"
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TV, computer equipment, jewelry, a valuable gun collection and some fishing equipment stolen. How would their HO-3 policy respond to this loss?
CORRECT ANSWER : The entire theft loss would be
covered under Coverage C. subject the policy limits and to certain limitations.
Question : The oldest form of insurance known to exist is:
CORRECT ANSWER: Ocean Marine Insurance
Question : How is an injured employee's weekly
compensation rate for Temporary Income Benefits (TIBS) calculated under Texas Work Comp laws?
CORRECT ANSWER : The comp rate = (AWW - Post
Injury Earnings) × 70%
Question : In workers compensation, an "injury is defined
to mean:
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CORRECT ANSWER : personal injury or death by
"accident", arising out of work performed in the course of employment.
Question : Justin is a Property adjuster for XYZ Insurance
Company. He receives a claim involving the theft loss of various types of property. Justin's initial responsibility
upon investigating the loss is to first determine:
CORRECT ANSWER : If coverage exists
Question : Jim is a public adjuster. He has an arrangement
with a water extraction company who pays him a commission of 10% for every referral that Jim sends their way. Which of the following statements is correct?
CORRECT ANSWER : This arrangement reflects a
breach of ethical conduct and a violation that could jeopardize Jim's licensure.
Question : Which of the following would NOT be
covered under Coverage C Personal Property?
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CORRECT ANSWER : Your 10-year old German
Shepherd chokes on a bone and passes away.
Question : A tornado strikes a duplex that is insured under
a Dwelling (DP-3) policy. Which of the following would NOT be covered by the Dwelling policy?
CORRECT ANSWER : Damage to another duplex right
next door, also owned by the landlord.
Question : Common carriers (i.e. 18-wheelers, trains,
planes, etc.) are responsible for damage to customer goods they transport EXCEPT for damages resulting
from:
CORRECT ANSWER : Acts of God
Question : You have just started your career handling
Texas workers' compensation claims. Which one of the following WOULD BE considered a violation of the Texas Unfair Claim Settlement Practices Act?