State Farm Certification - Claims
Adjuster Questions And Answers With
Verified Solutions 100% Correct
Guaranteed Success!!!
1. Special Limits of Liability for Money
Answer: $200 for money or coins
2. What's covered under Dwelling
Answer:
1. Structures attached to the 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
4. Wall-to-wall carpeting
3. Other structures separated by clear space are
Answer: Covered. Structures connected to the dwelling by only a fence, utility
line, or similar connection are considered to be other structures.
4. We do not cover other structures
Answer:
1. Not permanently attached to or otherwise forming a part of the realty
2. Used in whole or in part for business purposes
3. Rented or held for rental to a person not a tenant of the dwelling, unless used
solely as a private garage
5. Land, costs to replace/stabilize or store lands are
Answer: Not covered
6. Coverage A
1. At your request, we will cover personal property owned by others while…
Answer: The property is on the part of the residence premises occupied
exclusively by an insured.
2. We will also cover personal property owned by a guest or a residence
employee, while…
Answer: The property is in any other residence occupied by an insured.
, 7. Coverage B
We cover personal property usually situated at an insured's residence, other than
the residence premises, for up to…
Answer: $1,000 or 10%, B limit, whichever is greater.
8. Additional Living Expense
Answer: For up to 24 months. 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.
9. Fair Rental Value
Answer: Up to 12 months
10. Prohibited Use Coverage
Answer: Insured, we will cover any resulting Additional Living Expense and Fair
Rental for a period not exceeding two weeks while use is prohibited.
11. Debris Removal Terms
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.
12. Trees, Shrubs, and Other Plants Coverage
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.
13. The Limit for Trees, Shrubs, and Other Plants Coverage
Answer: The limit, including removal of debris, shall not exceed 5% of the amount
shown in the Declarations for Coverage A - Dwelling.
14. Coverage C
Answer: Loss of use
15. Credit Card, Bank Fund Transfer Card, Forgery, and Counterfeit Money
Answer: $1,000 and there is no deductible for this coverage
16. Power Interruption
Answer: Covered accidental direct physical loss caused directly or indirectly by a
change in temperature resulting from power interruption that takes place on the
Adjuster Questions And Answers With
Verified Solutions 100% Correct
Guaranteed Success!!!
1. Special Limits of Liability for Money
Answer: $200 for money or coins
2. What's covered under Dwelling
Answer:
1. Structures attached to the 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
4. Wall-to-wall carpeting
3. Other structures separated by clear space are
Answer: Covered. Structures connected to the dwelling by only a fence, utility
line, or similar connection are considered to be other structures.
4. We do not cover other structures
Answer:
1. Not permanently attached to or otherwise forming a part of the realty
2. Used in whole or in part for business purposes
3. Rented or held for rental to a person not a tenant of the dwelling, unless used
solely as a private garage
5. Land, costs to replace/stabilize or store lands are
Answer: Not covered
6. Coverage A
1. At your request, we will cover personal property owned by others while…
Answer: The property is on the part of the residence premises occupied
exclusively by an insured.
2. We will also cover personal property owned by a guest or a residence
employee, while…
Answer: The property is in any other residence occupied by an insured.
, 7. Coverage B
We cover personal property usually situated at an insured's residence, other than
the residence premises, for up to…
Answer: $1,000 or 10%, B limit, whichever is greater.
8. Additional Living Expense
Answer: For up to 24 months. 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.
9. Fair Rental Value
Answer: Up to 12 months
10. Prohibited Use Coverage
Answer: Insured, we will cover any resulting Additional Living Expense and Fair
Rental for a period not exceeding two weeks while use is prohibited.
11. Debris Removal Terms
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.
12. Trees, Shrubs, and Other Plants Coverage
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.
13. The Limit for Trees, Shrubs, and Other Plants Coverage
Answer: The limit, including removal of debris, shall not exceed 5% of the amount
shown in the Declarations for Coverage A - Dwelling.
14. Coverage C
Answer: Loss of use
15. Credit Card, Bank Fund Transfer Card, Forgery, and Counterfeit Money
Answer: $1,000 and there is no deductible for this coverage
16. Power Interruption
Answer: Covered accidental direct physical loss caused directly or indirectly by a
change in temperature resulting from power interruption that takes place on the
