PUBLIC ADJUSTER QUESTIONS AND CORRECT ANSWERS

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PUBLIC ADJUSTER QUESTIONS AND CORRECT ANSWERS

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2025/2026

Institution Claims Adjuster

Module Claims Adjuster

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PUBLIC ADJUSTER QUESTIONS AND CORRECT ANSWERS

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PUBLIC ADJUSTER QUESTIONS AND
CORRECT ANSWERS
ProgramA2TriggerA2forA2terroristA2actsA2mustA2causeA2aA2collectiveA2damageA2inA2excessA2
of?A2-A2Ans--•A2$100,000,000

TFA2AA2publicA2adjusterA2mayA2ownA2noA2moreA2thanA250%A2inA2aA2salvageA2orA2similarA2b
usiness?A2-A2Ans--•A2F

GeneralA2AverageA2-A2Ans--•A2LossA2sharedA2byA2allA2parties

ParticularA2AverageA2-A2Ans--•A2OnlyA2oneA2partyA2sharesA2inA2theA2loss.

InA2aA2homeA2ownerA2policyA2thereA2isA2noA2deductibleA2forA2-A2Ans--
•A2LiabilityA2Coverage

InA2BOPA2coveredA2propertyA2isA2listedA2andA2describedA2inA2whatA2partA2ofA2theA2contract
?A2-A2Ans--•A2DeclarationsA2page

WhatA2isA2notA2eligibleA2forA2coverageA2underA2aA2livestockA2floater?A2-A2Ans--Poultry

WhatA2typeA2ofA2carrierA2mustA2assumeA2theA2broadestA2liabilityA2underA2commonA2law?
A2-A2Ans--CommonA2carriers

NamedA2insuredA2isA2neverA2aA2_______?A2-A2Ans--
LienA2Holder.A2MustA2haveA2insurableA2interestA2inA2theA2property.

HowA2muchA2extraA2coverageA2doesA2theA2BOPA2allowA2forA2buildingA2codeA2updatesA2on
A2aA2loss?A2-A2Ans--$10,000

HO-3A2onlyA2coversA2___________A2forA2jewelry?A2-A2Ans--ActualA2CashA2Value

PromiseA2byA2oneA2partyA2thatA2isA2conditionedA2onA2anA2uncertainA2eventA2andA2whereA2t
heA2valueA2givenA2byA2eachA2partyA2isA2unequalA2isA2called?A2-A2Ans--Aleatory

AnA2insurerA2hasA2________A2daysA2toA2completeA2theirA2investigationA2ofA2aA2claim?A2-
A2Ans--30A2days

FarmA2insuranceA2coverageA2GA2covers?A2-A2Ans--Silos

UnderA2equipmentA2breakdownA2coverage,A2theA2fullA2replacementA2costA2willA2beA2provi
dedA2ifA2theA2equipmentA2isA2repairedA2inA2whatA2timeA2periodA2afterA2aA2loss?A2-A2Ans--
24A2months.

, InA2theA2newestA2editionA2ofA2theA2commercialA2propertyA2form,A2whatA2isA2nowA2consider
edA2partA2ofA2theA2building?A2-A2Ans--VegetatedA2roofs

WhichA2DwellingA2formsA2provideA2broadA2formA2coverageA2forA2personalA2property?A2-
A2Ans--DP-2A2andA2DP-3

TheA2homeownerA2personalA2propertyA2replacementA2costA2endorsementA2wouldA2payA2r
eplacementA2costA2forA2___________?A2-A2Ans--UsedA2clothing

AnA2insurerA2mustA2acknowledgeA2receiptA2ofA2aA2claimA2withinA2_______A2workingA2days
?A2-A2Ans--10

AnA2insuranceA2contractA2isA2consideredA24A2thingsA2-A2Ans--AleatoryA2
UnilateralA2
AdhesiveA2
Conditional

AdmittedA2insurersA2mustA2beA2financiallyA2examinedA2byA2theA2PennsylvaniaA2Departme
ntA2ofA2insuranceA2atA2leastA2onceA2everyA2_______A2years?A2-A2Ans--5A2years.

AA2leasedA2buildingA2hasA2toA2beA2____
%A2unoccupiedA2toA2beA2consideredA2vacantA2underA2theA2COMMERCIALA2PROPERTYA
2policy?A2-A2Ans--31%

WhatA2aboutA2forA2BOP?A2AA2buildingA2mustA2beA2_______
%A2vacantA2toA2beA2consideredA2vacant?A2-A2Ans--65%

BOPA2additionalA2limitA2forA2debrisA2removalA2is?A2-A2Ans--•A225,000

IfA2anA2insurerA2wantsA2toA2cancelA2orA2non-
renewA2aA2policyA2coveringA2personalA2property,A2howA2muchA2noticeA2isA2needed?A2-
A2Ans--•A230A2days

WhatA2isA2theA2limitA2thatA2willA2beA2paidA2forA2theA2fireA2departmentA2serviceA2chargeA2inA2
theA2BOPA2form?A2-A2Ans--•A2$2,500

WhatA2isA2theA2limitA2thatA2willA2beA2paidA2forA2theA2fireA2departmentA2serviceA2chargeA2inA2
theA2BOPA2form?A2-A2Ans--•A2$2,500

UnderA2theA2homeownerA2forms,A2howA2muchA2willA2beA2paidA2underA2claimsA2expenseA2f
orA2lossA2ofA2earningsA2byA2theA2insuredA2toA2assistA2theA2insurerA2inA2theA2investigationA2
orA2defenseA2ofA2aA2claim?A2-A2Ans--•A2$250A2perA2day

TheA2insured'sA2dwellingA2hasA2beenA2vacantA2forA262A2days.A2VandalsA2enterA2theA2hom
eA2andA2doA2considerableA2damage.A2ToA2coverA2upA2theirA2actA2andA2toA2avoidA2detectio

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Written in: 2025/2026
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