State farm certification claims adjuster Updated Actual
Questions and Correct Answers (2026-2027)
Question 1.
Special Limits of Liability for
1. money
Correct Answer: $200 for money or coins
Question 2.
whats covered under dwelling
Correct Answer: 1.structures attached to dwelling 2.materials/supplies on or
adjacent to residence premises for construction use or alteration of the
premises. 3.foundation, footings, floor slabs supporting dwelling -wall to wall
carpeting
Question 3.
other structures separated by clear space are.... such as
Correct Answer: covered. Structures connected to the dwelling by only a fence,
utility line, or similar connection are considered to be other structures.
Question 4.
We do not cover other structures:
Correct Answer: 1.not permanently attached to or otherwise forming a part of
the realty; 2.used in whole or in part for business purposes; or 3.rented or held
for rental to a person not a tenant of the dwelling, unless used solely as a
private garage.
Question 5.
land, costs to replace/stabilize or store lands are ____ covered
Correct Answer: not
Question 6.
Cov A 1.At your re- quest, we will cover personal property owned by others while____ 2.we
will also cover personal property owned by a guest or a residence employee, while_____
Correct Answer: the property is on the part of the residence premises occupied
exclusively by an insured. 2.the property is in any other residence occupied by
an insured.
, Question 7.
Cov B We cover personal property usually situated at an insured's residence, other than
the residence premises, for up to ___or ____of the Coverage ____ limit, whichever is greater.
Correct Answer: $1,000 or 10%, B limit.
Question 8.
Additional Living Expense is for up to (time)
Correct Answer: for up to 24 months. Our payment is limited to incurred costs
for the shortest of: (a) the time required to repair or replace the premises; (b)
the time required for your household to settle elsewhere; or (c) 24 months.
Question 9.
Fair Rental Value. up to
Correct Answer: 12 months
Question 10.
Prohibited Use coverage
Correct Answer: Insured, we will cover any resulting Additional Living Expense
and Fair Rental for a period not exceeding two weeks while use is prohibited.
Question 11.
Debris Removal terms
Correct Answer: When the amount payable for the property damage plus the
debris removal exceeds the limit for the damaged property, an additional 5% of
that limit is available for debris removal expense. This additional amount of
insurance does not apply to Additional Coverage, item 3. Trees, Shrubs and
Other Plants. We will also pay up to $500 in the aggregate for each loss to cover
the reasonable expenses you incur in the removal of tree debris from the
residence premises when the tree has caused a Loss Insured to Coverage A
property.
Question 12.
Trees, Shrubs and Other Plants are covered un- der
Correct Answer: Fire or lightning, Explosion, Riot or civil commotion, Aircraft,
Vehicles (not owned or operated by a resident of the residence premises),
Vandalism or malicious mischief or Theft. The limit for this coverage, including
the removal of debris, shall not exceed 5% of the amount shown in the
Declarations for COVERAGE A - DWELLING.
Questions and Correct Answers (2026-2027)
Question 1.
Special Limits of Liability for
1. money
Correct Answer: $200 for money or coins
Question 2.
whats covered under dwelling
Correct Answer: 1.structures attached to dwelling 2.materials/supplies on or
adjacent to residence premises for construction use or alteration of the
premises. 3.foundation, footings, floor slabs supporting dwelling -wall to wall
carpeting
Question 3.
other structures separated by clear space are.... such as
Correct Answer: covered. Structures connected to the dwelling by only a fence,
utility line, or similar connection are considered to be other structures.
Question 4.
We do not cover other structures:
Correct Answer: 1.not permanently attached to or otherwise forming a part of
the realty; 2.used in whole or in part for business purposes; or 3.rented or held
for rental to a person not a tenant of the dwelling, unless used solely as a
private garage.
Question 5.
land, costs to replace/stabilize or store lands are ____ covered
Correct Answer: not
Question 6.
Cov A 1.At your re- quest, we will cover personal property owned by others while____ 2.we
will also cover personal property owned by a guest or a residence employee, while_____
Correct Answer: the property is on the part of the residence premises occupied
exclusively by an insured. 2.the property is in any other residence occupied by
an insured.
, Question 7.
Cov B We cover personal property usually situated at an insured's residence, other than
the residence premises, for up to ___or ____of the Coverage ____ limit, whichever is greater.
Correct Answer: $1,000 or 10%, B limit.
Question 8.
Additional Living Expense is for up to (time)
Correct Answer: for up to 24 months. Our payment is limited to incurred costs
for the shortest of: (a) the time required to repair or replace the premises; (b)
the time required for your household to settle elsewhere; or (c) 24 months.
Question 9.
Fair Rental Value. up to
Correct Answer: 12 months
Question 10.
Prohibited Use coverage
Correct Answer: Insured, we will cover any resulting Additional Living Expense
and Fair Rental for a period not exceeding two weeks while use is prohibited.
Question 11.
Debris Removal terms
Correct Answer: When the amount payable for the property damage plus the
debris removal exceeds the limit for the damaged property, an additional 5% of
that limit is available for debris removal expense. This additional amount of
insurance does not apply to Additional Coverage, item 3. Trees, Shrubs and
Other Plants. We will also pay up to $500 in the aggregate for each loss to cover
the reasonable expenses you incur in the removal of tree debris from the
residence premises when the tree has caused a Loss Insured to Coverage A
property.
Question 12.
Trees, Shrubs and Other Plants are covered un- der
Correct Answer: Fire or lightning, Explosion, Riot or civil commotion, Aircraft,
Vehicles (not owned or operated by a resident of the residence premises),
Vandalism or malicious mischief or Theft. The limit for this coverage, including
the removal of debris, shall not exceed 5% of the amount shown in the
Declarations for COVERAGE A - DWELLING.
