ADJUSTER PRO INSURANCE
ADJUSTER TEST 154 QUESTIONS
2026 TEST PAPER ANSWERS
GRADED A+
◉.
Answer: 6 unique characteristics of insurance policy
1 Contracts of adhesion (court ez win)
2 Utmost good faith
3 aleatory
4 personal
5 Unilateral (only insurer has obligation)
6 Conditional
◉.
Answer: 1945 regulate insurance
Naic doesn't give benefits to comissioners
90 day to pay
◉ hijacking only covered with endorsement.
Answer:
◉ Franchise Deductible in marine insurance.
,Answer:
◉ standard deductible 500.
Answer:
◉ Seaworthy cargo legal no deviation in voyage.
Answer:
◉ insurer has 14 days to respond to claim.
Answer:
◉ theft. by insider
not covered.
Answer:
◉ paying ,%.
Answer: coinsurance
◉ policy premiums.
Answer: not out of pocket
◉ Estoppel.
,Answer: protects the insured party from an insured who initially
approves coverage but then later denies coverage after the insured pays
for repairs
◉ contributory negligence.
Answer: if plaintiff is negligent den no settlement
◉ insurance claim is.
Answer: a formal requestto settle the damage
◉ Non-waiver agreement is used for.
Answer: when an independent adjuster is investigating a claim in
catastrophe situation
◉ Public adjuster.
Answer: represents insured not insurer
◉ law and ordinance.
Answer: (a.k.a. Code Upgrade Coverage): covers the repair or
upgradecost when new building codes, laws, or ordinances go into effect
◉ tort.
Answer: any civil wrongdoing
, ◉ federal employee compensation actually 11.
Answer: provides federal govt insurance for civillian employees
◉ what is coverage for cc fraud or forgery.
Answer: 500$
◉ FL sell auto insurance u need.
Answer: Florida auto joint underwriting assoy
◉ FELA (Federal Employer's Liability Act).
Answer: protects only trailroad workers
◉ insured must advise insurance of broke sprinkler within 48 hours that
is.
Answer: commercial floater
◉ block policy's are.
Answer: commercial floater
◉ DICE.
Answer: 1.declerations page
2.insuring agreement
3.conditions
ADJUSTER TEST 154 QUESTIONS
2026 TEST PAPER ANSWERS
GRADED A+
◉.
Answer: 6 unique characteristics of insurance policy
1 Contracts of adhesion (court ez win)
2 Utmost good faith
3 aleatory
4 personal
5 Unilateral (only insurer has obligation)
6 Conditional
◉.
Answer: 1945 regulate insurance
Naic doesn't give benefits to comissioners
90 day to pay
◉ hijacking only covered with endorsement.
Answer:
◉ Franchise Deductible in marine insurance.
,Answer:
◉ standard deductible 500.
Answer:
◉ Seaworthy cargo legal no deviation in voyage.
Answer:
◉ insurer has 14 days to respond to claim.
Answer:
◉ theft. by insider
not covered.
Answer:
◉ paying ,%.
Answer: coinsurance
◉ policy premiums.
Answer: not out of pocket
◉ Estoppel.
,Answer: protects the insured party from an insured who initially
approves coverage but then later denies coverage after the insured pays
for repairs
◉ contributory negligence.
Answer: if plaintiff is negligent den no settlement
◉ insurance claim is.
Answer: a formal requestto settle the damage
◉ Non-waiver agreement is used for.
Answer: when an independent adjuster is investigating a claim in
catastrophe situation
◉ Public adjuster.
Answer: represents insured not insurer
◉ law and ordinance.
Answer: (a.k.a. Code Upgrade Coverage): covers the repair or
upgradecost when new building codes, laws, or ordinances go into effect
◉ tort.
Answer: any civil wrongdoing
, ◉ federal employee compensation actually 11.
Answer: provides federal govt insurance for civillian employees
◉ what is coverage for cc fraud or forgery.
Answer: 500$
◉ FL sell auto insurance u need.
Answer: Florida auto joint underwriting assoy
◉ FELA (Federal Employer's Liability Act).
Answer: protects only trailroad workers
◉ insured must advise insurance of broke sprinkler within 48 hours that
is.
Answer: commercial floater
◉ block policy's are.
Answer: commercial floater
◉ DICE.
Answer: 1.declerations page
2.insuring agreement
3.conditions
