AU 61 - EXAM REVIEW QUESTIONS AND
VERIFIED ANSWERS UPDATED
Question 1
Which one of the following generates heat and ignites fire through friction, sparks,
and pressure in an enclosed space?
Correct Answer
Mechanical energy
Question 2
Underwriters should be concerned that the potential for a combustion explosion be
controlled, and the damage it can cause be mitigated. Maintaining a lean air-fuel
mixture for potentially explosive equipment is one effective protection in this area.
Maintaining this lean air-fuel mixture is which one of the following strategies for
controlling combustion explosions?
Correct Answer
Energy released.
Question 3
Floors, beams, and joists spread interior load _____to ________load-bearing
components.
Correct Answer
horizonally, vertical
Question 4
While traveling on an interstate highway, Julia Carson noticed a large plume of smoke
in what appeared to be an isolated area. Julia pulled off at the next exit and called 911
to reach a single emergency response center that dispatched local fire services to the
area. Which one of the following elements did Julia use?
Correct Answer
Fire detection
Page 1 of 161
,Question 5
Masonry noncombustible construction is extremely popular because of its low initial
cost, low maintenance, and ability to withstand not only the peril of fire, but also
other causes of loss such as windstorm. A property underwriter's concerns about a
masonry noncombustible building will most likely be related to
Correct Answer
Its potential for collapse from the heat a fire generates.
Question 6
Which one of the following is a way for an underwriter to identify bottlenecks when
evaluating an applicant's business income loss exposure?
Correct Answer
Study a production or process flowchart of the applicant's operations.
Question 7
Underwriters should read reports of a storm's destructive power carefully. Information
on past storm research regarding the severity of storms uses which one of the
following wind measurement scales?
Correct Answer
The Saffir-Simpson Hurricane Wind Scale
Question 8
In inspecting a restaurant, field underwriter Susan Warren noted that the storage area
was packed with paper products and cleaning supplies. The entire area was extremely
dirty and there was apparent grease accumulation on the cooking surfaces and on the
hoods above the grills and the deep fryers. Soiled laundry had been thrown into a
cardboard box near a large oven.Of the following items noticed by Susan, which one
presents the most serious exposure?
Correct Answer
deep fryer
Page 2 of 161
,Question 9
Ice dams form
Correct Answer
On the edge of roofs and can cause water to penetrate roofs.
Question 10
In business income insurance, the expenses that an organization would not have
incurred if the business interruption had not occurred are called
Correct Answer
extra expenses
Question 11
Commercial property underwriters should be aware that self-service laundries, which
could operate on a 24-hour basis, are especially susceptible to which one of the
following perils?
Correct Answer
vandalism
Question 12
A request for a higher amount of direct loss coverage than needed should cause an
underwriter to seek more information because too much insurance might indicate
Correct Answer
A moral hazard.
Question 13
While not all heat sources are ignition sources, many of the heat sources present in
manufacturing occupancies, such as electric motors, steam pressure vessels and
turbines, pose significant potential ignition sources. The potential for fire due to the
use of heat sources and the presence of flammables requires
Correct Answer
Strict adherence to fire safety codes
Page 3 of 161
, Question 14
Which one of the following is the underwriter's prime concern with the Utility Services
—Time Element endorsement?
Correct Answer
The expected frequency and severity of service outages
Question 15
Building codes can provide an underwriter with information regarding the
construction of buildings erected under the provisions of those codes. Well-designed
and properly enforced building codes can reduce insured losses. A local ordinance
that establishes criteria that a building's structural components must meet is a
Correct Answer
Performance code.
Question 16
Which one of the following is a principal way a hurricane will cause damage?
Correct Answer
flooding
Question 17
For an underwriter considering the role of oxygen in the combustion process, which
one of the following is the greatest concern with a six-story office building?
Correct Answer
The draft areas
Question 18
Which one of the following statements is true regarding the monthly limit of
indemnity option?
Correct Answer
D. Under this option, the only way to cover the month with the highest income is to
purchase a total limit of 3, 4, or 6 times the highest monthly income.
Page 4 of 161
VERIFIED ANSWERS UPDATED
Question 1
Which one of the following generates heat and ignites fire through friction, sparks,
and pressure in an enclosed space?
Correct Answer
Mechanical energy
Question 2
Underwriters should be concerned that the potential for a combustion explosion be
controlled, and the damage it can cause be mitigated. Maintaining a lean air-fuel
mixture for potentially explosive equipment is one effective protection in this area.
Maintaining this lean air-fuel mixture is which one of the following strategies for
controlling combustion explosions?
Correct Answer
Energy released.
Question 3
Floors, beams, and joists spread interior load _____to ________load-bearing
components.
Correct Answer
horizonally, vertical
Question 4
While traveling on an interstate highway, Julia Carson noticed a large plume of smoke
in what appeared to be an isolated area. Julia pulled off at the next exit and called 911
to reach a single emergency response center that dispatched local fire services to the
area. Which one of the following elements did Julia use?
Correct Answer
Fire detection
Page 1 of 161
,Question 5
Masonry noncombustible construction is extremely popular because of its low initial
cost, low maintenance, and ability to withstand not only the peril of fire, but also
other causes of loss such as windstorm. A property underwriter's concerns about a
masonry noncombustible building will most likely be related to
Correct Answer
Its potential for collapse from the heat a fire generates.
Question 6
Which one of the following is a way for an underwriter to identify bottlenecks when
evaluating an applicant's business income loss exposure?
Correct Answer
Study a production or process flowchart of the applicant's operations.
Question 7
Underwriters should read reports of a storm's destructive power carefully. Information
on past storm research regarding the severity of storms uses which one of the
following wind measurement scales?
Correct Answer
The Saffir-Simpson Hurricane Wind Scale
Question 8
In inspecting a restaurant, field underwriter Susan Warren noted that the storage area
was packed with paper products and cleaning supplies. The entire area was extremely
dirty and there was apparent grease accumulation on the cooking surfaces and on the
hoods above the grills and the deep fryers. Soiled laundry had been thrown into a
cardboard box near a large oven.Of the following items noticed by Susan, which one
presents the most serious exposure?
Correct Answer
deep fryer
Page 2 of 161
,Question 9
Ice dams form
Correct Answer
On the edge of roofs and can cause water to penetrate roofs.
Question 10
In business income insurance, the expenses that an organization would not have
incurred if the business interruption had not occurred are called
Correct Answer
extra expenses
Question 11
Commercial property underwriters should be aware that self-service laundries, which
could operate on a 24-hour basis, are especially susceptible to which one of the
following perils?
Correct Answer
vandalism
Question 12
A request for a higher amount of direct loss coverage than needed should cause an
underwriter to seek more information because too much insurance might indicate
Correct Answer
A moral hazard.
Question 13
While not all heat sources are ignition sources, many of the heat sources present in
manufacturing occupancies, such as electric motors, steam pressure vessels and
turbines, pose significant potential ignition sources. The potential for fire due to the
use of heat sources and the presence of flammables requires
Correct Answer
Strict adherence to fire safety codes
Page 3 of 161
, Question 14
Which one of the following is the underwriter's prime concern with the Utility Services
—Time Element endorsement?
Correct Answer
The expected frequency and severity of service outages
Question 15
Building codes can provide an underwriter with information regarding the
construction of buildings erected under the provisions of those codes. Well-designed
and properly enforced building codes can reduce insured losses. A local ordinance
that establishes criteria that a building's structural components must meet is a
Correct Answer
Performance code.
Question 16
Which one of the following is a principal way a hurricane will cause damage?
Correct Answer
flooding
Question 17
For an underwriter considering the role of oxygen in the combustion process, which
one of the following is the greatest concern with a six-story office building?
Correct Answer
The draft areas
Question 18
Which one of the following statements is true regarding the monthly limit of
indemnity option?
Correct Answer
D. Under this option, the only way to cover the month with the highest income is to
purchase a total limit of 3, 4, or 6 times the highest monthly income.
Page 4 of 161
