ADJUSTER PRO INSURANCE
ADJUSTER TEST 154 QUESTIONS
2026 CLAIMS SCRIPT SOLVED
QUESTIONS VERIFIED ANSWERS A+
◉ Which of the following statements about Indiana's approach to
Workers' Comp insurance is true?
A. WC is compulsory, and Indiana has no state WC fund.
B. WC is elective, and Indiana has no state WC fund.
C. WC is elective, and Indiana has a competitive state WC fund.
D. WC is compulsory, and Indiana has a monopolistic state WC fund..
Answer: A
◉ Who is NOT eligible for a homeowners policy?
A. An owner of a home under construction
B. A person who owns and lives in his house
C. A tenant who rents a home or apartment
D. An owner of a house in which he does not live, but rents to a tenant.
Answer: D
◉ Frank owns a bakery specializing in authentic French bread. He uses
two specialty ovens for his daily production of French bread. If one of
these giant ovens were to break down, it would cost Frank's bakery a lot
of money to repair, not to mention the loss of revenue caused by lower
,production. On his Equipment Breakdown Protection Form, each of
Frank's ovens would be considered:
A. a "peril."
B. an "object."
C. a "machine."
D. a "liability.".
Answer: B
◉ A dwelling policy would NOT be appropriate for:
A. a duplex owned by an individual.
B. a single-family home wholly rented out.
C. a four-plex owned by a corporation.
D. a motorhome owned by an individual..
Answer: D
◉ *Jane has a $150,000 homeowners policy with a 3% percentage
deductible. One night, an oven fire destroys her kitchen, causing
$50,000 in damage. How much of the damage falls under Jane's
responsibility?
A. $4,500
B. $15,000
C. $3,600
D. $1,500.
, Answer: A
◉ All of the following pieces of information can be found in the
Conditions section of an insurance policy, EXCEPT:
A. anything the insured must do for coverage to remain in effect.
B. what the insured must do in the event of a lawsuit.
C. the insured's duties after a loss.
D. causes of loss that are not covered..
Answer: D
◉ A few weeks ago Christopher's garage was destroyed by an out-of-
control motorist. Fortunately, the motorist had sufficient liability
insurance to cover the damages. However, the insurer insists that
Christopher's garage is worth far less than the appraisals he has received
from contractors. Christopher and the insurer have gone back and forth
in negotiations for weeks, making little headway. Christopher decides
it's time to:
A. issue an answer for the policyholder.
B. issue a judgment.
C. issue a complaint against the policyholder.
D. issue a reservation of rights..
Answer: C
◉ Which of the following may be covered under an Equipment
Breakdown Protection Coverage Form?
ADJUSTER TEST 154 QUESTIONS
2026 CLAIMS SCRIPT SOLVED
QUESTIONS VERIFIED ANSWERS A+
◉ Which of the following statements about Indiana's approach to
Workers' Comp insurance is true?
A. WC is compulsory, and Indiana has no state WC fund.
B. WC is elective, and Indiana has no state WC fund.
C. WC is elective, and Indiana has a competitive state WC fund.
D. WC is compulsory, and Indiana has a monopolistic state WC fund..
Answer: A
◉ Who is NOT eligible for a homeowners policy?
A. An owner of a home under construction
B. A person who owns and lives in his house
C. A tenant who rents a home or apartment
D. An owner of a house in which he does not live, but rents to a tenant.
Answer: D
◉ Frank owns a bakery specializing in authentic French bread. He uses
two specialty ovens for his daily production of French bread. If one of
these giant ovens were to break down, it would cost Frank's bakery a lot
of money to repair, not to mention the loss of revenue caused by lower
,production. On his Equipment Breakdown Protection Form, each of
Frank's ovens would be considered:
A. a "peril."
B. an "object."
C. a "machine."
D. a "liability.".
Answer: B
◉ A dwelling policy would NOT be appropriate for:
A. a duplex owned by an individual.
B. a single-family home wholly rented out.
C. a four-plex owned by a corporation.
D. a motorhome owned by an individual..
Answer: D
◉ *Jane has a $150,000 homeowners policy with a 3% percentage
deductible. One night, an oven fire destroys her kitchen, causing
$50,000 in damage. How much of the damage falls under Jane's
responsibility?
A. $4,500
B. $15,000
C. $3,600
D. $1,500.
, Answer: A
◉ All of the following pieces of information can be found in the
Conditions section of an insurance policy, EXCEPT:
A. anything the insured must do for coverage to remain in effect.
B. what the insured must do in the event of a lawsuit.
C. the insured's duties after a loss.
D. causes of loss that are not covered..
Answer: D
◉ A few weeks ago Christopher's garage was destroyed by an out-of-
control motorist. Fortunately, the motorist had sufficient liability
insurance to cover the damages. However, the insurer insists that
Christopher's garage is worth far less than the appraisals he has received
from contractors. Christopher and the insurer have gone back and forth
in negotiations for weeks, making little headway. Christopher decides
it's time to:
A. issue an answer for the policyholder.
B. issue a judgment.
C. issue a complaint against the policyholder.
D. issue a reservation of rights..
Answer: C
◉ Which of the following may be covered under an Equipment
Breakdown Protection Coverage Form?
