LA PROPERTY AND CASUALTY TEST
EXAMS WITH CORRECT SOLUTIONS
2026/2027
Additional Living Expense - Answer ✔️--Pays Increase In Expenses Needed For
Insured To Maintain Normal Standard Of Living After A Covered Loss
Abandonment Of Property - Answer ✔️--The Policyholder May Not Abandon
Damaged Property To The Insurer
Additional Living Expenses Are Paid Until - Answer ✔️---Until The Premises Is
Repaired Or Replaced
-Until The Insured's Household Can Settle Elsewhere
An Injured Third Party Must - Answer ✔️---Give The Insurer Proof Of The
Occurrence
-Authorize The Examination Of Medical Records
-Submit To A Physical Examination
An Insured Must - Answer ✔️---Report The Claim In A Reasonable Time
-Allow An Adjuster To Examine The Loss
-Allow Physical Examinations
-Let The Insurer Know Any Pertinent Information
Appraisal - Answer ✔️--If The Insurer And The Insured Disagree On The Amount
Of Loss, Either Party Can Demand An Appraisal Of The Loss
, -Involves Two Appraises And One Umpire
-Agreement By Both Appraisers Or By One Appraiser And The Umpire Is Binding
Civil Authority Coverage - Answer ✔️--- Pays For Additional Living Expenses
(Ale) And Fair Rental Value (Frv) When A Civil Authority Prevents The Insured
From Using The Home
- Civil Authority: Any Government Entity Acting On Behalf Of, Or To Protect,
People Or Property
- Only Applies If The Damage Was Caused By A Peril Covered In The Insured's
Policy
Civil Authority Coverages Is Not - Answer ✔️--Subjected To Any Deductible
Civil Authority Is Paid - Answer ✔️---Until Access To The Home Is Restored
-Up To A Maximum Of Two Weeks
Pays Ale And Frv
Concealment Or Fraud - Answer ✔️--Concealment, Misrepresentations, And
Fraud Can Void Policy Coverage
Coverage A - Answer ✔️--Dwelling And Items That Service The Dwelling Such As
Air Conditioners
Coverage B - Answer ✔️--Other Structures
Coverage C - Answer ✔️--Personal Property
EXAMS WITH CORRECT SOLUTIONS
2026/2027
Additional Living Expense - Answer ✔️--Pays Increase In Expenses Needed For
Insured To Maintain Normal Standard Of Living After A Covered Loss
Abandonment Of Property - Answer ✔️--The Policyholder May Not Abandon
Damaged Property To The Insurer
Additional Living Expenses Are Paid Until - Answer ✔️---Until The Premises Is
Repaired Or Replaced
-Until The Insured's Household Can Settle Elsewhere
An Injured Third Party Must - Answer ✔️---Give The Insurer Proof Of The
Occurrence
-Authorize The Examination Of Medical Records
-Submit To A Physical Examination
An Insured Must - Answer ✔️---Report The Claim In A Reasonable Time
-Allow An Adjuster To Examine The Loss
-Allow Physical Examinations
-Let The Insurer Know Any Pertinent Information
Appraisal - Answer ✔️--If The Insurer And The Insured Disagree On The Amount
Of Loss, Either Party Can Demand An Appraisal Of The Loss
, -Involves Two Appraises And One Umpire
-Agreement By Both Appraisers Or By One Appraiser And The Umpire Is Binding
Civil Authority Coverage - Answer ✔️--- Pays For Additional Living Expenses
(Ale) And Fair Rental Value (Frv) When A Civil Authority Prevents The Insured
From Using The Home
- Civil Authority: Any Government Entity Acting On Behalf Of, Or To Protect,
People Or Property
- Only Applies If The Damage Was Caused By A Peril Covered In The Insured's
Policy
Civil Authority Coverages Is Not - Answer ✔️--Subjected To Any Deductible
Civil Authority Is Paid - Answer ✔️---Until Access To The Home Is Restored
-Up To A Maximum Of Two Weeks
Pays Ale And Frv
Concealment Or Fraud - Answer ✔️--Concealment, Misrepresentations, And
Fraud Can Void Policy Coverage
Coverage A - Answer ✔️--Dwelling And Items That Service The Dwelling Such As
Air Conditioners
Coverage B - Answer ✔️--Other Structures
Coverage C - Answer ✔️--Personal Property
