NYS 17-70 INDEPENDENT GENERAL
ADJUSTER EXAM 2025/2026 WITH ACTUAL
CORRECT QUESTIONS AND VERIFIED
DETAILED ANSWERS |FREQUENTLY TESTED
QUESTIONS AND SOLUTIONS |ALREADY
GRADED A+|NEWEST|BRAND NEW
VERSION!!|GUARANTEED PASS
Who signs the declaration page on the Equipment Breakdown policy?
An Authorized Representative.
A contract between a public adjuster and an insured must be:
In Written Form.
A sudden and unexpected event is known as:
An Accident.
Mr. Wilson purchases property insurance on a building and fails to advise the agent that he only
owns 50% of the building. This is an example of:
Misrepresentation.
The "other insurance clause" is included in insurance policies to deal with:
Duplicate Policies.
Under the farm property form with replacement cost coverage, after the first $1,000 how is the
claim paid?
ACV until repairs are completed and then the full replacement cost is paid.
An insured has purchased a personal watercraft policy with liability limits of $300,000 and
medical coverage in the amount of $5,000. The boat accidentally tips over and both the insured
and a friend are injured. Who would be covered under the medical payments coverage?
The insured and the friend.
1|Page
,Some disability income policies are designed in a way that there is a period during which no
benefits will be paid for either an illness or an accident. Others may be written / designed
where benefits are paid immediately for disabilities caused by accidents, and no benefits paid
for an illness disability for a specific period of time. The term that describes this interim period
is the:
Elimination Period.
What workers compensation coverage would apply if the injured employee's spouse brings a
wrongful death suit against the employer?
Employers liability.
Under D, "Coverage For Damage To Your Auto", temporary substitute vehicles under the
Personal Auto Policy are considered to be:
Your covered auto.
In order for a "release of all claims" to be valid, what MUST occur?
The check must be cashed.
Richard Lanham has been advised by the Superintendent of Insurance to cease and desist in the
performance of certain infractions of the insurance code. He has had a hearing and been issued
a cease and desist order. He continues to violate the cease and desist order. He can be fined a
penalty of up to:
$5,000 per violation.
Telemarketers who transmit prerecorded messages to consumers who have not agreed to
accept such messages will be fined up to:
$16,000 per call.
An insured has received actual cash value payment from the adjuster for a covered loss. At the
time he is satisfied with the payment. He later changes his mind and wants the full replacement
value. How many days does he have to submit the receipts to get the replacement cost payment
under a HO-3 form?
180 days.
The homeowner personal property replacement cost endorsement would pay replacement cost
on a claim for what type of property?
Used Clothing.
2|Page
, The policy provision that prevents an insurance company from altering its agreement with a
policyowner by referring to documents or other items not contained in the policy is called the:
Entire Contract Provision.
True or False - Current long term care insurance policies are more likely to pay benefits
regardless of the level of care required by the insured.
True.
Roger has his golf clubs stolen out of the trunk of Sam's car. Which policy will pay?
Roger's homeowner policy.
An insured purchases a $1 million umbrella policy with a $1,000 self-insured retention (SIR) and
agrees to maintain the following underlying limits: auto liability - $100/300/50 and personal
liability limits of $300,000. The insured is involved in an at-fault auto accident and the claimant
is awarded $200,000 for his bodily injuries. What will the umbrella pay if the insured only
carries $50/100/50 auto limits?
$100,000. The umbrella policy still pays but the insured would have to pay the difference.
If no endorsements apply, how are property losses adjusted on a Businessowners Policy?
Replacement Cost Basis
Property and casualty insurance can be utilized to handle what kind of risk?
Pure Risks.
Tammy Smith is helping out at the church Swiss Steak dinner and is injured when hot coffee
spills on her. What is the result of this injury under New York workers compensation coverage?
Tammy is a volunteer and will be covered if the policy contains the proper endorsement..
Low Yields and Poor Quality Crops are covered under a:
Multi-Peril Crop Policy
Who do uniform mandatory provisions tend to benefit?
They tend to benefit the insurer.
What can happen when an independent contractor is injured while working and files a claim
stating that they were actually an employee?
The insurance carrier can charge an additional premium for the exposure.
3|Page
ADJUSTER EXAM 2025/2026 WITH ACTUAL
CORRECT QUESTIONS AND VERIFIED
DETAILED ANSWERS |FREQUENTLY TESTED
QUESTIONS AND SOLUTIONS |ALREADY
GRADED A+|NEWEST|BRAND NEW
VERSION!!|GUARANTEED PASS
Who signs the declaration page on the Equipment Breakdown policy?
An Authorized Representative.
A contract between a public adjuster and an insured must be:
In Written Form.
A sudden and unexpected event is known as:
An Accident.
Mr. Wilson purchases property insurance on a building and fails to advise the agent that he only
owns 50% of the building. This is an example of:
Misrepresentation.
The "other insurance clause" is included in insurance policies to deal with:
Duplicate Policies.
Under the farm property form with replacement cost coverage, after the first $1,000 how is the
claim paid?
ACV until repairs are completed and then the full replacement cost is paid.
An insured has purchased a personal watercraft policy with liability limits of $300,000 and
medical coverage in the amount of $5,000. The boat accidentally tips over and both the insured
and a friend are injured. Who would be covered under the medical payments coverage?
The insured and the friend.
1|Page
,Some disability income policies are designed in a way that there is a period during which no
benefits will be paid for either an illness or an accident. Others may be written / designed
where benefits are paid immediately for disabilities caused by accidents, and no benefits paid
for an illness disability for a specific period of time. The term that describes this interim period
is the:
Elimination Period.
What workers compensation coverage would apply if the injured employee's spouse brings a
wrongful death suit against the employer?
Employers liability.
Under D, "Coverage For Damage To Your Auto", temporary substitute vehicles under the
Personal Auto Policy are considered to be:
Your covered auto.
In order for a "release of all claims" to be valid, what MUST occur?
The check must be cashed.
Richard Lanham has been advised by the Superintendent of Insurance to cease and desist in the
performance of certain infractions of the insurance code. He has had a hearing and been issued
a cease and desist order. He continues to violate the cease and desist order. He can be fined a
penalty of up to:
$5,000 per violation.
Telemarketers who transmit prerecorded messages to consumers who have not agreed to
accept such messages will be fined up to:
$16,000 per call.
An insured has received actual cash value payment from the adjuster for a covered loss. At the
time he is satisfied with the payment. He later changes his mind and wants the full replacement
value. How many days does he have to submit the receipts to get the replacement cost payment
under a HO-3 form?
180 days.
The homeowner personal property replacement cost endorsement would pay replacement cost
on a claim for what type of property?
Used Clothing.
2|Page
, The policy provision that prevents an insurance company from altering its agreement with a
policyowner by referring to documents or other items not contained in the policy is called the:
Entire Contract Provision.
True or False - Current long term care insurance policies are more likely to pay benefits
regardless of the level of care required by the insured.
True.
Roger has his golf clubs stolen out of the trunk of Sam's car. Which policy will pay?
Roger's homeowner policy.
An insured purchases a $1 million umbrella policy with a $1,000 self-insured retention (SIR) and
agrees to maintain the following underlying limits: auto liability - $100/300/50 and personal
liability limits of $300,000. The insured is involved in an at-fault auto accident and the claimant
is awarded $200,000 for his bodily injuries. What will the umbrella pay if the insured only
carries $50/100/50 auto limits?
$100,000. The umbrella policy still pays but the insured would have to pay the difference.
If no endorsements apply, how are property losses adjusted on a Businessowners Policy?
Replacement Cost Basis
Property and casualty insurance can be utilized to handle what kind of risk?
Pure Risks.
Tammy Smith is helping out at the church Swiss Steak dinner and is injured when hot coffee
spills on her. What is the result of this injury under New York workers compensation coverage?
Tammy is a volunteer and will be covered if the policy contains the proper endorsement..
Low Yields and Poor Quality Crops are covered under a:
Multi-Peril Crop Policy
Who do uniform mandatory provisions tend to benefit?
They tend to benefit the insurer.
What can happen when an independent contractor is injured while working and files a claim
stating that they were actually an employee?
The insurance carrier can charge an additional premium for the exposure.
3|Page
