NM ADJUSTER EXAM 2024
ANSWER ALL QUESTIONS IN THIS SECTION
QUESTION 1
In each of the following, the insured has filed a claim against their homeowners
policy. In which of these scenarios would the insurer most likely deny the claim?
A. Stephen is unable to provide pictures of his personal items that were destroyed
in his house fire, but he is able to provide a list and descriptions for the adjuster.
B. Susan can't make it home from work to meet an adjuster at her house (which
was damaged by a recent hailstorm), but gives the adjuster permission to inspect
the property in her absence
C. Darla files a claim when her estranged husband sets fire to her back deck, but
she doesn't Your AnswerV notify the police for fear of getting her husband in
trouble.
D. The insurer sends David a Proof of Loss form for him to complete in
conjunction with his theft claim, and it takes him 25 days to return the completed
form to his insurer - ANSWERS-Darla files a claim when her estranged husband
sets fire to her back deck, but she doesn't notify the police for fear of getting her
husband in trouble.
END OF
PAGE 1
, NM ADJUSTER EXAM 2024
QUESTION 2
An adjuster must make several important decisions during the adjusting process.
All of these are examples of such decisions, EXCEPT:
A. Linda must determine if Lyle was intoxicated when the car he was driving was
side-swiped by Jeffery.
B. Becca must determine if the marks on Shellie's roof were caused by a hammer
or by hail.
C. Steve must determine the water damage in Monica's bathroom is recent or pre-
existing.
D. Stacy must determine how much of a limit for Coverage A would best fit John's
needs in his Your new homeowners policy. - ANSWERS-D. Stacy must determine
how much of a limit for Coverage A would best fit John's needs in his Your
Answer new homeowners policy.
QUESTION 3
Which of the following is NOT one of the unfair claims settlement practices
specifically prohibited by New Mexico law?
A. Not attempting in good faith to bring about a prompt, fair claim settlement
when liability is reasonably clear
B. Knowingly misrepresenting pertinent facts or policy provisions to a claimant C.
Failing to promptly acknowledge communications about a claim
END OF
PAGE 2
ANSWER ALL QUESTIONS IN THIS SECTION
QUESTION 1
In each of the following, the insured has filed a claim against their homeowners
policy. In which of these scenarios would the insurer most likely deny the claim?
A. Stephen is unable to provide pictures of his personal items that were destroyed
in his house fire, but he is able to provide a list and descriptions for the adjuster.
B. Susan can't make it home from work to meet an adjuster at her house (which
was damaged by a recent hailstorm), but gives the adjuster permission to inspect
the property in her absence
C. Darla files a claim when her estranged husband sets fire to her back deck, but
she doesn't Your AnswerV notify the police for fear of getting her husband in
trouble.
D. The insurer sends David a Proof of Loss form for him to complete in
conjunction with his theft claim, and it takes him 25 days to return the completed
form to his insurer - ANSWERS-Darla files a claim when her estranged husband
sets fire to her back deck, but she doesn't notify the police for fear of getting her
husband in trouble.
END OF
PAGE 1
, NM ADJUSTER EXAM 2024
QUESTION 2
An adjuster must make several important decisions during the adjusting process.
All of these are examples of such decisions, EXCEPT:
A. Linda must determine if Lyle was intoxicated when the car he was driving was
side-swiped by Jeffery.
B. Becca must determine if the marks on Shellie's roof were caused by a hammer
or by hail.
C. Steve must determine the water damage in Monica's bathroom is recent or pre-
existing.
D. Stacy must determine how much of a limit for Coverage A would best fit John's
needs in his Your new homeowners policy. - ANSWERS-D. Stacy must determine
how much of a limit for Coverage A would best fit John's needs in his Your
Answer new homeowners policy.
QUESTION 3
Which of the following is NOT one of the unfair claims settlement practices
specifically prohibited by New Mexico law?
A. Not attempting in good faith to bring about a prompt, fair claim settlement
when liability is reasonably clear
B. Knowingly misrepresenting pertinent facts or policy provisions to a claimant C.
Failing to promptly acknowledge communications about a claim
END OF
PAGE 2
