State Farm Estimatics Exam ACTUAL
EXAM 2026/2027: 100% Verified
Questions & Correct Answers
Question 1: When writing an estimate in State Farm's estimating system, a technician
identifies a quarter panel with damage extending 8 inches into the factory seam. According to
standard collision repair guidelines and State Farm procedures, what is the appropriate repair
decision?
A. Repair the damaged area using conventional repair methods without replacing the panel
B. Replace the quarter panel due to structural compromise at the factory seam
C. Section the quarter panel at a location 6 inches from the factory seam
D. Apply body filler only and refinish the affected area
Correct Answer: B
Rationale: Damage extending into factory seams typically compromises structural integrity
and corrosion protection. State Farm and industry guidelines (I-CAR, CCC) generally require
replacement when damage reaches factory seams to ensure proper structural repair and
maintain vehicle safety standards.
Question 2: A claimant's 2023 vehicle sustains front-end collision damage. The estimator is
calculating labor times using CCC ONE. Which of the following operations is NOT included in
the CCC ONE database labor time for "R&I Bumper Cover - Front"?
A. Disconnecting fog lamp electrical connectors
B. Removing license plate bracket
C. Transferring aftermarket grille from damaged bumper to replacement bumper
D. Removing push-pin fasteners and screws
Correct Answer: C
Rationale: CCC ONE labor times include standard OE component removal and installation.
Transferring non-OE aftermarket parts or accessories is considered an "overlap" or additional
operation not included in published labor times and must be added as a separate line item.
,Question 3: During a property claim inspection, an estimator notes hail damage to asphalt
composition shingles. According to State Farm guidelines and industry standards (HAAG
Engineering), how many hail hits per 100 square feet on a test square (10' x 10') are typically
required to establish functional damage warranting roof replacement?
A. 3-5 hits
B. 6-10 hits
C. 12-15 hits
D. 20+ hits
Correct Answer: B
Rationale: HAAG Engineering certification standards and major carrier guidelines, including
State Farm's property damage assessment protocols, typically require 6-10 hail hits per test
square (depending on slope and shingle type) to establish functional damage that
compromises the waterproofing integrity of the roofing system.
Question 4: An estimator is writing a supplement for additional damage found during
teardown. According to State Farm documentation protocols, which of the following is the
REQUIRED documentation for a supplemental payment request?
A. Photographs of the additional damage and a brief phone call to the claims handler
B. Photos of the damage, detailed line-item estimate, and justification narrative explaining
why the damage was not visible during initial inspection
C. Technician's verbal confirmation and shop manager's signature only
D. Copy of the original estimate with handwritten additions
Correct Answer: B
Rationale: State Farm requires comprehensive documentation for supplements including
clear photographs, detailed line-item estimates using approved software, and written
justification explaining the "hidden damage" nature of the discovery to ensure proper claim
file documentation and audit compliance.
Question 5: When calculating paint and materials using the Mitchell Refinish Calculator or
similar system, what is the standard material allocation for a basecoat/clearcoat refinish
application on a mid-size sedan's bumper cover?
A. 4-5 ounces of basecoat and 6-7 ounces of clearcoat
B. 10-12 ounces of basecoat and 12-14 ounces of clearcoat
C. 16-18 ounces of basecoat and 20-22 ounces of clearcoat
D. 24-26 ounces of basecoat and 28-30 ounces of clearcoat
, Correct Answer: B
Rationale: Industry-standard material calculators (Mitchell, CCC) typically allocate 10-12 oz of
basecoat and 12-14 oz of clearcoat for a standard bumper cover, accounting for coverage
area, blending requirements, and standard application efficiency rates.
Question 6: A vehicle has frame damage measured using a computerized measuring system.
The specification calls for a tolerance of ±2mm. The estimator records measurements
showing deviation of 3mm at one point and 1mm at another. What is the correct repair
decision?
A. Pull the frame until both points are within 1mm tolerance
B. Pull the frame until the 3mm point is within 2mm tolerance; the 1mm point is acceptable
C. Replace the frame rails as the 3mm deviation exceeds tolerance
D. Document the measurements and release the vehicle as the average is within tolerance
Correct Answer: B
Rationale: Structural repair tolerances (typically ±2mm) apply to each measured point
individually. The 3mm deviation requires correction to bring it within specification, while the
1mm point already meets tolerance and does not require additional correction.
Question 7: According to State Farm's guidelines on aftermarket parts usage, under what
circumstance is an aftermarket (A/M) part most likely to be approved for a repair estimate?
A. When the part is the only option available from the supplier
B. When the aftermarket part is certified by CAPA (Certified Automotive Parts Association)
and the policyholder has no specific OEM parts coverage endorsement
C. When the aftermarket part costs less than 50% of the OEM part price
D. When the repair shop prefers aftermarket parts for faster availability
Correct Answer: B
Rationale: State Farm generally approves CAPA-certified aftermarket parts as they meet
quality and fit standards, provided the policy does not include OEM endorsement coverage.
CAPA certification ensures the part meets or exceeds OEM specifications for fit, form, and
function.
Question 8: An estimator is scoping water damage to a residential property. The water
originated from a backed-up sewer line. According to standard homeowners policy provisions
and State Farm coverage interpretations, how is this loss typically classified?
EXAM 2026/2027: 100% Verified
Questions & Correct Answers
Question 1: When writing an estimate in State Farm's estimating system, a technician
identifies a quarter panel with damage extending 8 inches into the factory seam. According to
standard collision repair guidelines and State Farm procedures, what is the appropriate repair
decision?
A. Repair the damaged area using conventional repair methods without replacing the panel
B. Replace the quarter panel due to structural compromise at the factory seam
C. Section the quarter panel at a location 6 inches from the factory seam
D. Apply body filler only and refinish the affected area
Correct Answer: B
Rationale: Damage extending into factory seams typically compromises structural integrity
and corrosion protection. State Farm and industry guidelines (I-CAR, CCC) generally require
replacement when damage reaches factory seams to ensure proper structural repair and
maintain vehicle safety standards.
Question 2: A claimant's 2023 vehicle sustains front-end collision damage. The estimator is
calculating labor times using CCC ONE. Which of the following operations is NOT included in
the CCC ONE database labor time for "R&I Bumper Cover - Front"?
A. Disconnecting fog lamp electrical connectors
B. Removing license plate bracket
C. Transferring aftermarket grille from damaged bumper to replacement bumper
D. Removing push-pin fasteners and screws
Correct Answer: C
Rationale: CCC ONE labor times include standard OE component removal and installation.
Transferring non-OE aftermarket parts or accessories is considered an "overlap" or additional
operation not included in published labor times and must be added as a separate line item.
,Question 3: During a property claim inspection, an estimator notes hail damage to asphalt
composition shingles. According to State Farm guidelines and industry standards (HAAG
Engineering), how many hail hits per 100 square feet on a test square (10' x 10') are typically
required to establish functional damage warranting roof replacement?
A. 3-5 hits
B. 6-10 hits
C. 12-15 hits
D. 20+ hits
Correct Answer: B
Rationale: HAAG Engineering certification standards and major carrier guidelines, including
State Farm's property damage assessment protocols, typically require 6-10 hail hits per test
square (depending on slope and shingle type) to establish functional damage that
compromises the waterproofing integrity of the roofing system.
Question 4: An estimator is writing a supplement for additional damage found during
teardown. According to State Farm documentation protocols, which of the following is the
REQUIRED documentation for a supplemental payment request?
A. Photographs of the additional damage and a brief phone call to the claims handler
B. Photos of the damage, detailed line-item estimate, and justification narrative explaining
why the damage was not visible during initial inspection
C. Technician's verbal confirmation and shop manager's signature only
D. Copy of the original estimate with handwritten additions
Correct Answer: B
Rationale: State Farm requires comprehensive documentation for supplements including
clear photographs, detailed line-item estimates using approved software, and written
justification explaining the "hidden damage" nature of the discovery to ensure proper claim
file documentation and audit compliance.
Question 5: When calculating paint and materials using the Mitchell Refinish Calculator or
similar system, what is the standard material allocation for a basecoat/clearcoat refinish
application on a mid-size sedan's bumper cover?
A. 4-5 ounces of basecoat and 6-7 ounces of clearcoat
B. 10-12 ounces of basecoat and 12-14 ounces of clearcoat
C. 16-18 ounces of basecoat and 20-22 ounces of clearcoat
D. 24-26 ounces of basecoat and 28-30 ounces of clearcoat
, Correct Answer: B
Rationale: Industry-standard material calculators (Mitchell, CCC) typically allocate 10-12 oz of
basecoat and 12-14 oz of clearcoat for a standard bumper cover, accounting for coverage
area, blending requirements, and standard application efficiency rates.
Question 6: A vehicle has frame damage measured using a computerized measuring system.
The specification calls for a tolerance of ±2mm. The estimator records measurements
showing deviation of 3mm at one point and 1mm at another. What is the correct repair
decision?
A. Pull the frame until both points are within 1mm tolerance
B. Pull the frame until the 3mm point is within 2mm tolerance; the 1mm point is acceptable
C. Replace the frame rails as the 3mm deviation exceeds tolerance
D. Document the measurements and release the vehicle as the average is within tolerance
Correct Answer: B
Rationale: Structural repair tolerances (typically ±2mm) apply to each measured point
individually. The 3mm deviation requires correction to bring it within specification, while the
1mm point already meets tolerance and does not require additional correction.
Question 7: According to State Farm's guidelines on aftermarket parts usage, under what
circumstance is an aftermarket (A/M) part most likely to be approved for a repair estimate?
A. When the part is the only option available from the supplier
B. When the aftermarket part is certified by CAPA (Certified Automotive Parts Association)
and the policyholder has no specific OEM parts coverage endorsement
C. When the aftermarket part costs less than 50% of the OEM part price
D. When the repair shop prefers aftermarket parts for faster availability
Correct Answer: B
Rationale: State Farm generally approves CAPA-certified aftermarket parts as they meet
quality and fit standards, provided the policy does not include OEM endorsement coverage.
CAPA certification ensures the part meets or exceeds OEM specifications for fit, form, and
function.
Question 8: An estimator is scoping water damage to a residential property. The water
originated from a backed-up sewer line. According to standard homeowners policy provisions
and State Farm coverage interpretations, how is this loss typically classified?
