NEW YORK INDEPENDENT
GENERAL ADJUSTER EXAM
SIMULATOR - SERIES 17-70 EXAM
2025 QUESTIONS AND ANSWERS
Which of the following would NOT be found in the conditions section of a
homeowners insurance policy?
Subrogation rights
Duties of the insured
Insurance premium
Mortgagee clause - --Answer --The insurance premium is not shown in the
conditions section of the homeowner policy.
Which of the following is true regarding dealers physical damage coverage under a
garage policy?
It is a blanket limit for covered autos.
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,It extends coverage to customers' autos.
It is an annual maximum limit for comprehensive and collision losses.
It is a maximum limit per auto. - --Answer --It is a blanket limit for covered
autos.
EXPLANATION:
The dealer's physical damage limit would be done on a blanket limit basis. This
would apply to comprehensive and collision losses to the auto inventory of the
dealer. This is done because it is simply not practical to schedule each dealer
owned vehicle for physical damage. This is generally accomplished by the use of a
monthly reporting form.
Which of the following would not be considered an occupational disease?
Black lung.
Mesothelioma.
Pulmonary fibrosis.
Bending over to pick up a box and hurting your back. - --Answer --Bending
over to pick up a box and hurting your back. is correct.
EXPLANATION:
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 2
,Bending over to pick up a box and causing an injury is a work related injury and
not a disease.
Which of the following is correct in order for the additional coverage of "collapse"
to be available under special BOP?
The collapse must be such that the building can not be used as intended
The remaining part of the structure standing must be demolished
The remaining part of the structure must be judged unsound to rebuild on
The building must be leaning, settling or in danger of collapsing - --Answer -
-The correct answer is: The collapse must be such that the building can not be
used as intended.
EXPLANATION:
The definition of collapse in the policy is the "abrupt falling down or caving in of
the structure or part of the structure" and it must render the building as unusable
as intended.
Which of the following would not be eligible for coverage under a livestock
floater?
Poultry
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 3
, Cattle
Sheep
Swine - --Answer --EXPLANATION:
Poultry is not eligible property under the livestock floater.
The insured owns a motorhome that is not covered by the insured's Personal Auto
policy. This vehicle can be added to the policy by using which of the following
endorsements?
Miscellaneous Type Vehicle endorsement
Special Type Vehicle endorsement
Recreational Vehicle endorsement
Motorhome endorsement - --Answer --The correct answer is: Miscellaneous
Type Vehicle endorsement.
EXPLANATION:
The Miscellaneous Type Vehicle endorsement can be used to cover motorhomes,
motorcycles, etc.
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 4
GENERAL ADJUSTER EXAM
SIMULATOR - SERIES 17-70 EXAM
2025 QUESTIONS AND ANSWERS
Which of the following would NOT be found in the conditions section of a
homeowners insurance policy?
Subrogation rights
Duties of the insured
Insurance premium
Mortgagee clause - --Answer --The insurance premium is not shown in the
conditions section of the homeowner policy.
Which of the following is true regarding dealers physical damage coverage under a
garage policy?
It is a blanket limit for covered autos.
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 1
,It extends coverage to customers' autos.
It is an annual maximum limit for comprehensive and collision losses.
It is a maximum limit per auto. - --Answer --It is a blanket limit for covered
autos.
EXPLANATION:
The dealer's physical damage limit would be done on a blanket limit basis. This
would apply to comprehensive and collision losses to the auto inventory of the
dealer. This is done because it is simply not practical to schedule each dealer
owned vehicle for physical damage. This is generally accomplished by the use of a
monthly reporting form.
Which of the following would not be considered an occupational disease?
Black lung.
Mesothelioma.
Pulmonary fibrosis.
Bending over to pick up a box and hurting your back. - --Answer --Bending
over to pick up a box and hurting your back. is correct.
EXPLANATION:
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 2
,Bending over to pick up a box and causing an injury is a work related injury and
not a disease.
Which of the following is correct in order for the additional coverage of "collapse"
to be available under special BOP?
The collapse must be such that the building can not be used as intended
The remaining part of the structure standing must be demolished
The remaining part of the structure must be judged unsound to rebuild on
The building must be leaning, settling or in danger of collapsing - --Answer -
-The correct answer is: The collapse must be such that the building can not be
used as intended.
EXPLANATION:
The definition of collapse in the policy is the "abrupt falling down or caving in of
the structure or part of the structure" and it must render the building as unusable
as intended.
Which of the following would not be eligible for coverage under a livestock
floater?
Poultry
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 3
, Cattle
Sheep
Swine - --Answer --EXPLANATION:
Poultry is not eligible property under the livestock floater.
The insured owns a motorhome that is not covered by the insured's Personal Auto
policy. This vehicle can be added to the policy by using which of the following
endorsements?
Miscellaneous Type Vehicle endorsement
Special Type Vehicle endorsement
Recreational Vehicle endorsement
Motorhome endorsement - --Answer --The correct answer is: Miscellaneous
Type Vehicle endorsement.
EXPLANATION:
The Miscellaneous Type Vehicle endorsement can be used to cover motorhomes,
motorcycles, etc.
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 4
