GA Claims Adjuster Licensing Exam
2025 Questions and Answers
What coverage does Community Eligibility apply to? - --Answer --Flood
insurance through FEMA
What's the difference between Emergency Program and Regular Program in the
National Flood Insurance Program? - --Answer --Emergency applies to
homes in communities that are a normally not a flood hazard. Regular programs
are awarded to an entire community that is eligible due to flood hazard.
What is the flood coverage on a regular program in a 1-4 Family Dwelling? - --
Answer --$250,000
On what policy can you add the Flood Program endorsement? - --Answer --
None! It has its own policy through the Federal Government.
Difference in Conditions (DIC) Insurance - --Answer --A separate insurance
policy that provides open-perils coverage to fill in the gaps left by flood coverage if
a home is worth over $250K. Coverage is produced through Excess/Surplus Lines.
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 1
,What is the waiting period on NFIP coverage? - --Answer --30 days after
policy purchase
What is the coverage change waiting period for the NFIP? - --Answer --5
days
Give examples of the flood peril - --Answer --- an overflow of inland or tidal
waters
- unusual or rapid accumulation or runoff of surface waters
-Mudflow or Mudslide
- Collapse of land along the shore of a lake as a result of erosion
What kinds of things does flood insurance cover? - --Answer --Your house
and your things (dwelling and personal property). No indirect charges.
Dwelling coverage extension for flood insurance covers what? How much is it? - --
Answer --Structures not attached to dwelling (O.S. or Appurtenant
structures). 10% of Dwelling limit. ***It is an extension of coverage, NOT the
$250K limit so any coverage needed here will reduce the amount able to go to the
dwelling.
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 2
, Contents coverage of flood insurance is limited to what? - --Answer --
Personal property damaged or destroyed by the flood itself and belongs to insured
and resident spouse/relatives. The insured is liable for content of others.
What are the coverages of flood insurance? - --Answer --Dwelling, Contents,
Debris Removal
How are damaged items valued in flood coverage? - --Answer --Dwelling -
replacement cost
Contents - Actual Cash Value
What kind of property is not covered by flood insurance? - --Answer --
Basements and underground structure (ex. septic tanks), animals,
money/accounts/bills, land, anything else covered by other policies (motor
vehicles, aircraft, watercraft)
Loss Valuation on flood insurance - --Answer --(amount of insurance
purchased/80% Dwellings Total replacement cost) x Loss Amount
Standard deductible on flood insurance - --Answer --$1K for Dwelling and
$1K for Content
Personal Inland Marine Insurance - --Answer --Floaters or policies for
world-wide coverage of personal property on an open-peril basis.
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 3
2025 Questions and Answers
What coverage does Community Eligibility apply to? - --Answer --Flood
insurance through FEMA
What's the difference between Emergency Program and Regular Program in the
National Flood Insurance Program? - --Answer --Emergency applies to
homes in communities that are a normally not a flood hazard. Regular programs
are awarded to an entire community that is eligible due to flood hazard.
What is the flood coverage on a regular program in a 1-4 Family Dwelling? - --
Answer --$250,000
On what policy can you add the Flood Program endorsement? - --Answer --
None! It has its own policy through the Federal Government.
Difference in Conditions (DIC) Insurance - --Answer --A separate insurance
policy that provides open-perils coverage to fill in the gaps left by flood coverage if
a home is worth over $250K. Coverage is produced through Excess/Surplus Lines.
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 1
,What is the waiting period on NFIP coverage? - --Answer --30 days after
policy purchase
What is the coverage change waiting period for the NFIP? - --Answer --5
days
Give examples of the flood peril - --Answer --- an overflow of inland or tidal
waters
- unusual or rapid accumulation or runoff of surface waters
-Mudflow or Mudslide
- Collapse of land along the shore of a lake as a result of erosion
What kinds of things does flood insurance cover? - --Answer --Your house
and your things (dwelling and personal property). No indirect charges.
Dwelling coverage extension for flood insurance covers what? How much is it? - --
Answer --Structures not attached to dwelling (O.S. or Appurtenant
structures). 10% of Dwelling limit. ***It is an extension of coverage, NOT the
$250K limit so any coverage needed here will reduce the amount able to go to the
dwelling.
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 2
, Contents coverage of flood insurance is limited to what? - --Answer --
Personal property damaged or destroyed by the flood itself and belongs to insured
and resident spouse/relatives. The insured is liable for content of others.
What are the coverages of flood insurance? - --Answer --Dwelling, Contents,
Debris Removal
How are damaged items valued in flood coverage? - --Answer --Dwelling -
replacement cost
Contents - Actual Cash Value
What kind of property is not covered by flood insurance? - --Answer --
Basements and underground structure (ex. septic tanks), animals,
money/accounts/bills, land, anything else covered by other policies (motor
vehicles, aircraft, watercraft)
Loss Valuation on flood insurance - --Answer --(amount of insurance
purchased/80% Dwellings Total replacement cost) x Loss Amount
Standard deductible on flood insurance - --Answer --$1K for Dwelling and
$1K for Content
Personal Inland Marine Insurance - --Answer --Floaters or policies for
world-wide coverage of personal property on an open-peril basis.
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 3
