Texas Adjuster Pro Final Exam Questions Exam Recent Exam
2025/2026 Actual Complete Real Exam Questions And Verified
Answers | With 100% Correct Answers / Graded A+ Guaranteed
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Barbara has been negotiating a property claim with a claimant
for a few hours now. She has displayed her assessments, gone
over the policy and offered a fair settlement amount within the
policy limits. However, the claimant has dismissed it
completely without any counter-offer. The most appropriate
next step is for Barbara to: - ANSWER-submit her backup offer
Which of the following statements about the Standard Fire
Policy is TRUE? -
ANSWER-It is the basis of all property
insurance policies
Stan built a porch for his home three years ago at a cost of
$10,000. The value of the porch has depreciated by $6,000, and
it would cost $12,000 to replace it today. After Stan's porch
burnt down during a BBQ today, how much would a Standard
Fire Policy indemnify Stan for his porch? - ANSWER-$6,000
Which of the following statement s is NOT true of
endorsements? - ANSWER-
,An endorsed policy will always provide more coverage than
an unendorsed
policy
There are several terms that are often interchangeable with
"endorsements."
Which of the following is NOT one of these terms? -
ANSWER-Binders
Anton is purchasing homeowner's insurance for his new house.
He wants to
make sure his policy offers the BEST coverage available. Which
policy should
Anton choose? - ANSWER-HO-5
How much of a limit is included for Credit Card Fraud or
Forgery, an additional
coverage in a homeowners policy? -
ANSWER-$500
Andy owns a home in Texas, which is covered by a Texas HO-
A policy. Which
of the following is FALSE? - ANSWER-Andy's detached
garage is covered
under Coverage B in his
policy.
Which of the following is NOT a requirement of an insurer if it
does not intend to renew a homeowners policy in Texas? -
,ANSWER-Offer to continue coverage until the insured has
secured a new policy for the property
Mark is on vacation in Italy when his luggage is stolen,
including a $2,000 laptop, a $500 suitcase, and $400 in clothes.
Mark has an HO-3 homeowners policy. Excluding any
applicable deductible, which of the following statements is
true? - ANSWER-Mark's homeowners policy will cover $2400 of
this loss
During a severe windstorm, a large tree in Jeff's yard was
blown down and two large bushes were ripped from the
ground. Jeff has an HO-3. What is the maximum amount that
Jeff can receive for the replacement of the tree and bushes that
were damaged by the windstorm? - ANSWER-$0
In the case of condominiums: - ANSWER-the unit owner and
condo association
share responsibility for insuring the
property.
Lightning strikes one of Christy's trees in her backyard and
starts a fire that spreads to two other trees before firefighters
are able to put it out/ The fire department charges her $600 for
responding to her call. Christy's DP-2 policy has a Coverage A
limit of $95,000. What is the maximum amount of
indemnification that Christy can expect to receive for this loss
(ignoring any deductible) - ANSWER-$2,000
, Which of the following is NOT eligible for Dwelling coverage? -
ANSWER-An 8-
unit apartment building in which the
owner resides
A dwelling policy would NOT be appropriate for: - ANSWER-
A motorhome
owned by an
individual
The DP-3 is known as the: - ANSWER-Special Form
Which of the following would NOT be covered by
comprehensive Coverage -
ANSWER-Eddie overturns his parents' Jeep on the way to a
baseball game
In a Personal Auto Policy, deductibles are applied on a/an
________basis. -
ANSWER-per
claim
Hank has collision coverage with a $2,000 deductible on his
2010 truck. One dark, rainy night, Hank's truck slips off the road
and rolls over down the embankment. The truck sustains
$45,000 in damages, but the actual cash value of the vehicle is
only $25,000. Which of the following statements is TRUE? -
ANSWER-Hank will be indemnified by his insurer for $23,000
2025/2026 Actual Complete Real Exam Questions And Verified
Answers | With 100% Correct Answers / Graded A+ Guaranteed
Success!! | Newest Exam | Just Released!! Adjuster Pro Texas
Barbara has been negotiating a property claim with a claimant
for a few hours now. She has displayed her assessments, gone
over the policy and offered a fair settlement amount within the
policy limits. However, the claimant has dismissed it
completely without any counter-offer. The most appropriate
next step is for Barbara to: - ANSWER-submit her backup offer
Which of the following statements about the Standard Fire
Policy is TRUE? -
ANSWER-It is the basis of all property
insurance policies
Stan built a porch for his home three years ago at a cost of
$10,000. The value of the porch has depreciated by $6,000, and
it would cost $12,000 to replace it today. After Stan's porch
burnt down during a BBQ today, how much would a Standard
Fire Policy indemnify Stan for his porch? - ANSWER-$6,000
Which of the following statement s is NOT true of
endorsements? - ANSWER-
,An endorsed policy will always provide more coverage than
an unendorsed
policy
There are several terms that are often interchangeable with
"endorsements."
Which of the following is NOT one of these terms? -
ANSWER-Binders
Anton is purchasing homeowner's insurance for his new house.
He wants to
make sure his policy offers the BEST coverage available. Which
policy should
Anton choose? - ANSWER-HO-5
How much of a limit is included for Credit Card Fraud or
Forgery, an additional
coverage in a homeowners policy? -
ANSWER-$500
Andy owns a home in Texas, which is covered by a Texas HO-
A policy. Which
of the following is FALSE? - ANSWER-Andy's detached
garage is covered
under Coverage B in his
policy.
Which of the following is NOT a requirement of an insurer if it
does not intend to renew a homeowners policy in Texas? -
,ANSWER-Offer to continue coverage until the insured has
secured a new policy for the property
Mark is on vacation in Italy when his luggage is stolen,
including a $2,000 laptop, a $500 suitcase, and $400 in clothes.
Mark has an HO-3 homeowners policy. Excluding any
applicable deductible, which of the following statements is
true? - ANSWER-Mark's homeowners policy will cover $2400 of
this loss
During a severe windstorm, a large tree in Jeff's yard was
blown down and two large bushes were ripped from the
ground. Jeff has an HO-3. What is the maximum amount that
Jeff can receive for the replacement of the tree and bushes that
were damaged by the windstorm? - ANSWER-$0
In the case of condominiums: - ANSWER-the unit owner and
condo association
share responsibility for insuring the
property.
Lightning strikes one of Christy's trees in her backyard and
starts a fire that spreads to two other trees before firefighters
are able to put it out/ The fire department charges her $600 for
responding to her call. Christy's DP-2 policy has a Coverage A
limit of $95,000. What is the maximum amount of
indemnification that Christy can expect to receive for this loss
(ignoring any deductible) - ANSWER-$2,000
, Which of the following is NOT eligible for Dwelling coverage? -
ANSWER-An 8-
unit apartment building in which the
owner resides
A dwelling policy would NOT be appropriate for: - ANSWER-
A motorhome
owned by an
individual
The DP-3 is known as the: - ANSWER-Special Form
Which of the following would NOT be covered by
comprehensive Coverage -
ANSWER-Eddie overturns his parents' Jeep on the way to a
baseball game
In a Personal Auto Policy, deductibles are applied on a/an
________basis. -
ANSWER-per
claim
Hank has collision coverage with a $2,000 deductible on his
2010 truck. One dark, rainy night, Hank's truck slips off the road
and rolls over down the embankment. The truck sustains
$45,000 in damages, but the actual cash value of the vehicle is
only $25,000. Which of the following statements is TRUE? -
ANSWER-Hank will be indemnified by his insurer for $23,000
