North Carolina Insurance Adjuster Exam Practice | Questions with Answers 2026 update

1d|dPdadgde



NORTH CAROLINA INSURANCE ADJUSTER EXA d d d d



M (2 VERSIONS) NEWEST 2026 ACTUAL EXAM QU
d d d d d d d



ESTIONS AND CORRECT DETAILED ANSWERS (V d d d d d



ERIFIED ANSWERS) ALL ANSWERED {EACH WIT d d d d d



H 100 Q & A} ALREADY GRADED A+ | BRAND NEW!
d d d d d d d d d d d



| 100% GUARANTEED PASS d d d




dWhat is the usual standard deductible in Homeowner policies, wh
d d d d d d d d d



ich can be reduced for an additional premium?
d d d d d d d




A. $1,500
d



B. $500
d



C. $1,200
d


D. $1,000
d




B. $500
d




The Identity Fraud endorsement provides coverage:
d d d d d




A. For the lost income from the time taken away from work to me
d d d d d d d d d d d d d



et with law enforcement officials regarding the identity fraud
d d d d d d d d



B. To pay only credit card charges made while the identity fraud w
d d d d d d d d d d d d



as being perpetuated against the insured
d d d d d


C. For 75% of the amount lost from the insured's checking accou
d d d d d d d d d d d

nt by fraud
d d


D. The pay off any loans that were secured in the name of the ins
d d d d d d d d d d d d d d


ured as part of identity fraud
d d d d d




A. For the lost income from the time taken away from work to me
d d d d d d d d d d d d d



et with law enforcement officials regarding the identity fraud
d d d d d d d d




When an insurance company decides to non-renew a policy, they
d d d d d d d d d

,2d|dPdadgde


must give the insured:
d d d




A. 30 days' notice, subject to state laws
d d d d d d d



B. The opportunity to purchase a better policy without being subj
d d d d d d d d d d


ect to underwriting
d d


C. A valid reason
d d d



D. A referral to another insurer
d d d d d




A. 30 days' notice, subject to state laws
d d d d d d d




All of the following would be excluded under Coverage C -
d d d d d d d d d d


Personal Property, EXCEPT:
d d d




A. A diamond necklace that the insured has covered under a per
d d d d d d d d d d d


sonal articles floater
d d

,3d|dPdadgde


B. The insured's riding lawnmower
d d d d


C. The insured's champion show dog
d d d d d



D. The "accounts receivable" ledger the insured brought home fr
d d d d d d d d d


om the office d d




B. The insured's riding lawnmower
d d d d




Under which of the HO forms is Glass or Safety Glazing Material
d d d d d d d d d d d d



excluded if the building has been vacant for 60 or more days, exc
d d d d d d d d d d d d



ept for earth movement?
d d d




A. HO-2, HO-6, HO-8
d d d



B. HO-5 only
d d


C. HO-2, HO-3, HO-5
d d d



D. HO-2, HO-6
d d




C. HO-2, HO-3, HO-5
d d d




The Fire Department Service charge under an ISO form, is cover
d d d d d d d d d d


ed for up to:
d d d




A. $200
d



B. $1,000
d


C. $1,500
d


D. $500
d




D. $500
d




Under the Debris Removal Additional Coverage, how much will b
d d d d d d d d d


e paid for any one tree?
d d d d d




A. $500
d



B. $1,200
d


C. $1,500
d


D. $1,000
d




A. $500
d




Under the HO-4 form, Building Additions and Alterations is
d d d d d d d d

, 4d|dPdadgde


covered for up to d d d d



of
the personal property coverage limit.
d d d d d




A. 10%
B. 15%
C. 5%
D. 80%
A. 10%
Which of the two HO forms do not provide coverage for Landlord'
d d d d d d d d d d d


s Furnishings?
d




A. The HO-2 and HO-3
d d d d



B. The HO-3 and HO-4
d d d d