Oklahoma Insurance
Adjuster_s Exam
2026
Questions and Answers
(A+ Grade Guarantee)
2026
, Oklahoma Insurance adjuster's exam
Study online at https://quizlet.com/_a3ehiw
1. Earth movement en- · Separate premium dependent on the type of dwelling and how susceptible
dorsement it is to earth quakes
Deductible is a percentage of loss
2. Home Day Care Cov- -homeowners policy endorsement used to provide coverage for home
erage Endorsement __________ businesses
-Includes liability coverage
-does not include coverage for sexual assault
3. Personal property Homeowners policy endorsement that adds replacement cost coverage for
replacement cost personal property
4. Scheduled personal endorsement - provides broader coverage for personal jewelry, furs,
property cameras, musical instruments, silverware, fine arts, golf equipment, and
stamp/coin collections. must be insured on full value basis.
· Typically provides open peril coverage
5. Mobile Home En- alters the homeowners policy to cover a mobilehome and other structures on
dorsement land owned or leased by the resident of the mobile home.
· Alters a homeowner's policy
· Coverage B is 2,000 or 10% of the Coverage A limit whichever is larger
· 500 for removing the mobile home when needing to do repairs
· 500 to move the home somewhere safe
6. Personal Umbrella A policy covering (BI &PD) and Personal Injury Liability in excess of the
Policy insured's underlying policy limits.
This provides excess coverage over the limits of an underlying policy.
If an insured is liable after the policy limits have been met, this kicks in
7. Basic Cause of Loss FIRE
Form LIGHTNING
EXPLOSIONS
2026
, Oklahoma Insurance adjuster's exam
Study online at https://quizlet.com/_a3ehiw
WINDSTORMS OR HAIL
RIOT OR CIVIL COMMOTION
VANDALISM
VOLCANIC ACTION
VEHICLES OR AIRCRAFT
SMOKE
SPRINKLER LEAKAGE
SINKHOLE COLLAPSE - covers only damage caused by sinkhole, not land
- NO THEFT COVERAGE
note: excludes Steam Boiler Explosions ("Boiler & Machinery Form" must be
added to policy to cover this loss)
8. Broad Cause of Loss -Includes all perils in BASIC form + 3 additions
Form -PLUMBING
-FALLING OBJECTS
-WEIGHT OF SNOW, ICE AND SLEET
plus Additional Coverage of Collapse
- NO THEFT COVERAGE
note: excludes Steam Boiler Explosions ("Boiler & Machinery Form" must be
added to policy to cover this loss)
9. Special Cause of Open Peril
Loss Form
10. Property in transit limit of 5,000
11. Earthquake and Vol- The Earthquake and Volcanic Eruption Endorsement must be added to one of
canic Eruption En- the causes of loss forms (basic, broad, or special) and cannot be purchased
dorsement alone. The only causes of loss provided by this endorsement are earthquake
and volcanic eruption. All earthquake shocks and volcanic eruptions that occur
within any 168-hour period are considered a single earthquake or volcanic
eruption.
2026
Adjuster_s Exam
2026
Questions and Answers
(A+ Grade Guarantee)
2026
, Oklahoma Insurance adjuster's exam
Study online at https://quizlet.com/_a3ehiw
1. Earth movement en- · Separate premium dependent on the type of dwelling and how susceptible
dorsement it is to earth quakes
Deductible is a percentage of loss
2. Home Day Care Cov- -homeowners policy endorsement used to provide coverage for home
erage Endorsement __________ businesses
-Includes liability coverage
-does not include coverage for sexual assault
3. Personal property Homeowners policy endorsement that adds replacement cost coverage for
replacement cost personal property
4. Scheduled personal endorsement - provides broader coverage for personal jewelry, furs,
property cameras, musical instruments, silverware, fine arts, golf equipment, and
stamp/coin collections. must be insured on full value basis.
· Typically provides open peril coverage
5. Mobile Home En- alters the homeowners policy to cover a mobilehome and other structures on
dorsement land owned or leased by the resident of the mobile home.
· Alters a homeowner's policy
· Coverage B is 2,000 or 10% of the Coverage A limit whichever is larger
· 500 for removing the mobile home when needing to do repairs
· 500 to move the home somewhere safe
6. Personal Umbrella A policy covering (BI &PD) and Personal Injury Liability in excess of the
Policy insured's underlying policy limits.
This provides excess coverage over the limits of an underlying policy.
If an insured is liable after the policy limits have been met, this kicks in
7. Basic Cause of Loss FIRE
Form LIGHTNING
EXPLOSIONS
2026
, Oklahoma Insurance adjuster's exam
Study online at https://quizlet.com/_a3ehiw
WINDSTORMS OR HAIL
RIOT OR CIVIL COMMOTION
VANDALISM
VOLCANIC ACTION
VEHICLES OR AIRCRAFT
SMOKE
SPRINKLER LEAKAGE
SINKHOLE COLLAPSE - covers only damage caused by sinkhole, not land
- NO THEFT COVERAGE
note: excludes Steam Boiler Explosions ("Boiler & Machinery Form" must be
added to policy to cover this loss)
8. Broad Cause of Loss -Includes all perils in BASIC form + 3 additions
Form -PLUMBING
-FALLING OBJECTS
-WEIGHT OF SNOW, ICE AND SLEET
plus Additional Coverage of Collapse
- NO THEFT COVERAGE
note: excludes Steam Boiler Explosions ("Boiler & Machinery Form" must be
added to policy to cover this loss)
9. Special Cause of Open Peril
Loss Form
10. Property in transit limit of 5,000
11. Earthquake and Vol- The Earthquake and Volcanic Eruption Endorsement must be added to one of
canic Eruption En- the causes of loss forms (basic, broad, or special) and cannot be purchased
dorsement alone. The only causes of loss provided by this endorsement are earthquake
and volcanic eruption. All earthquake shocks and volcanic eruptions that occur
within any 168-hour period are considered a single earthquake or volcanic
eruption.
2026
