STATE FARM FIRE INDEPENDENT
ADJUSTER CERTIFICATION ACTUAL
STUDY EXAM QUESTIONS AND
ANSWERS WITH COMPLETE
SOLUTIONS 100% CORRECT ANSWERS
ALREADY GRADED A+
"Debris Removal is what when it comes to additional coverage in section 1 of FP-7955? - CORRECT
ANSWER=> We will pay the reasonable expenses
you incur in the removal of debris of covered property
damaged by a Loss Insured. This expense is included in
the limit applying to the damaged property.
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 insur-
ance 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 re-
moval of tree debris from the residence premises when
the tree has caused a Loss Insured to Coverage A
property."
"Temporary Repairs is what when it comes to additional coverage? - CORRECT ANSWER=> If damage is
caused by a Loss
Insured, we will pay the reasonable and necessary cost
you incur for temporary repairs to covered property to
protect the property from further immediate damage or
loss. This coverage does not increase the limit applying
to the property being repaired."
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, "Trees, Shrubs and Other Plants is what when it comes to additional coverage? - CORRECT ANSWER=>
outdoor trees, shrubs, plants or lawns, on the residence premises, for direct loss caused by the
following: 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."
"Will state farm pay more than 500 dollars for any one outdoor tree, shrub
or plant, including debris removal expense. - CORRECT ANSWER=> NO"
"Fire Department Service Charge is what when it comes to additional coverage? - CORRECT
ANSWER=> pay up to $500 for your liability assumed by contract or agreement for fire department
charges. This means charges incurred when the fire department is called to save or protect
covered property from a Loss Insured. No deductible
applies to this coverage. This coverage may increase the
limit otherwise applicable."
"Property Removed is what when it comes to additional coverage? - CORRECT ANSWER=> Covered
property, while being removed from a premises endangered by a Loss Insured, is covered for any
accidental direct physical loss. This coverage also applies to the property for up to 30 days while
removed. We will also pay for reasonable expenses incurred by you for the removal and return of the
covered property. This coverage does not increase the limit applying to the property being removed."
"Credit Card, Bank Fund Transfer Card, Forgery and
Counterfeit Money is what when it comes to additional coverage? - CORRECT ANSWER=> a. pay up to
$1,000 for:
(1) the legal obligation of an insured to pay because
of the theft or unauthorized use of credit cards
and bank fund transfer cards issued to or regis-
tered in an insured's name. If an insured has
not complied with all terms and conditions under
which the cards are issued, we do not cover use
by an insured or anyone else;
(2) loss to an insured caused by forgery or alteration
of any check or negotiable instrument; and
(3) loss to an insured through acceptance in good
faith of counterfeit United States or Canadian
paper currency."
"INFLATION COVERAGE - CORRECT ANSWER=> The limits of liability shown in the Declarations for
Cover-
age A, Coverage B and, when applicable, Option ID will be"
"COVERAGE A - DWELLING insures what when it comes to losses insured - CORRECT ANSWER=> We
insure for accidental direct physical loss to the property
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ADJUSTER CERTIFICATION ACTUAL
STUDY EXAM QUESTIONS AND
ANSWERS WITH COMPLETE
SOLUTIONS 100% CORRECT ANSWERS
ALREADY GRADED A+
"Debris Removal is what when it comes to additional coverage in section 1 of FP-7955? - CORRECT
ANSWER=> We will pay the reasonable expenses
you incur in the removal of debris of covered property
damaged by a Loss Insured. This expense is included in
the limit applying to the damaged property.
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 insur-
ance 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 re-
moval of tree debris from the residence premises when
the tree has caused a Loss Insured to Coverage A
property."
"Temporary Repairs is what when it comes to additional coverage? - CORRECT ANSWER=> If damage is
caused by a Loss
Insured, we will pay the reasonable and necessary cost
you incur for temporary repairs to covered property to
protect the property from further immediate damage or
loss. This coverage does not increase the limit applying
to the property being repaired."
Page | 1
, "Trees, Shrubs and Other Plants is what when it comes to additional coverage? - CORRECT ANSWER=>
outdoor trees, shrubs, plants or lawns, on the residence premises, for direct loss caused by the
following: 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."
"Will state farm pay more than 500 dollars for any one outdoor tree, shrub
or plant, including debris removal expense. - CORRECT ANSWER=> NO"
"Fire Department Service Charge is what when it comes to additional coverage? - CORRECT
ANSWER=> pay up to $500 for your liability assumed by contract or agreement for fire department
charges. This means charges incurred when the fire department is called to save or protect
covered property from a Loss Insured. No deductible
applies to this coverage. This coverage may increase the
limit otherwise applicable."
"Property Removed is what when it comes to additional coverage? - CORRECT ANSWER=> Covered
property, while being removed from a premises endangered by a Loss Insured, is covered for any
accidental direct physical loss. This coverage also applies to the property for up to 30 days while
removed. We will also pay for reasonable expenses incurred by you for the removal and return of the
covered property. This coverage does not increase the limit applying to the property being removed."
"Credit Card, Bank Fund Transfer Card, Forgery and
Counterfeit Money is what when it comes to additional coverage? - CORRECT ANSWER=> a. pay up to
$1,000 for:
(1) the legal obligation of an insured to pay because
of the theft or unauthorized use of credit cards
and bank fund transfer cards issued to or regis-
tered in an insured's name. If an insured has
not complied with all terms and conditions under
which the cards are issued, we do not cover use
by an insured or anyone else;
(2) loss to an insured caused by forgery or alteration
of any check or negotiable instrument; and
(3) loss to an insured through acceptance in good
faith of counterfeit United States or Canadian
paper currency."
"INFLATION COVERAGE - CORRECT ANSWER=> The limits of liability shown in the Declarations for
Cover-
age A, Coverage B and, when applicable, Option ID will be"
"COVERAGE A - DWELLING insures what when it comes to losses insured - CORRECT ANSWER=> We
insure for accidental direct physical loss to the property
Page | 2
