TEXAS ALL LINES ADJUSTER REAL EXAM QUESTIONS AND ANSWERS 2025|WELL
QUESTIONS STRUCTURED|100% PASS
ANSWERS
A severe thunderstorm damaged a pol-
icyholder's residence. He called and
asked how long it would be before he We have 6 months to reach a final settle-
receives payment for his claim. Which of ment with you.
the following would NOT be an appropri-
ate response?
Janelle has just graduated college and is
interested in becoming an adjuster. she
would like to be able to handle any type All-Lines
of claim. The most comprehensive type
of license would be:
Jack and Rebecca own a vacation home
on Galveston Island which they have in-
sured under an HO-3 policy. After a week
long winter ski trip to Aspen, they re-
The entire theft loss would be covered
turn home to find their house burglar-
under Coverage C. subject the policy lim-
ized and their 50" TV, computer equip-
its and to certain limitations.
ment, jewelry, a valuable gun collection
and some fishing equipment stolen. How
would their HO-3 policy respond to this
loss?
The oldest form of insurance known to
Ocean Marine Insurance
exist is:
How is an injured employee's week-
ly compensation rate for Temporary In-
The comp rate = (AWW - Post Injury
come Benefits (TIBS) calculated under
Earnings) × 70%
Texas Work
Comp laws?
personal injury or death by "accident",
In workers compensation, an "injury is
arising out of work performed in the
defined to mean:
course of employment.
Justin is a Property adjuster for XYZ In-
surance Company. He receives a claim
involving the theft loss of various types
If coverage exists
of property. Justin's initial responsibility
upon investigating the loss is to first de-
termine:
, TEXAS ALL LINES ADJUSTER REAL EXAM QUESTIONS AND ANSWERS 2025|WELL
QUESTIONS STRUCTURED|100% PASS
ANSWERS
Jim is a public adjuster. He has an
arrangement with a water extraction
This arrangement reflects a breach of
company who pays him a commission
ethical conduct and a violation that could
of 10% for every referral that Jim sends
jeopardize Jim's licensure.
their way. Which of the following state-
ments is correct?
Which of the following would NOT be
Your 10-year old German Shepherd
covered under Coverage C Personal
chokes on a bone and passes away.
Property?
A tornado strikes a duplex that is insured
under a Dwelling (DP-3) policy. Which of Damage to another duplex right next
the following would NOT be covered by door, also owned by the landlord.
the Dwelling policy?
Common carriers (i.e. 18-wheelers,
trains, planes, etc.) are responsible for
damage to customer goods they trans- Acts of God
port EXCEPT for damages resulting
from:
You have just started your career
handling Texas workers' compensation Not responding to an employee's calls
claims. Which one of the following because you're overworked and the
WOULD BE considered a violation of the claim involves complex issues you just
Texas Unfair Claim Settlement Practices don't feel like addressing.
Act?
Which type of bond would be used to
Fidelity bond
cover the exposure to employee theft?
Pass a state qualifying exam or pre-li-
censing course that is certified by the
Garrett wants a Texas All Lines Ad-
Texas Department of Insurance that in-
juster's license. Which of the following
cludes an approved, comprehensive final
actions will be necessary for Garrett to
examination of 150 questions, and attach
secure such a license?
the Certificate of Completion to an appli-
cation for licensure.
The DP.3 Dwelling form is an "Open All risks of direct physical loss are cov-
Risk" policy. This means that: ered unless they are excluded
, TEXAS ALL LINES ADJUSTER REAL EXAM QUESTIONS AND ANSWERS 2025|WELL
QUESTIONS STRUCTURED|100% PASS
ANSWERS
Assume your home caught fire due to a
faulty electrical device. and one month Yes. It is called Fire Department Ser-
after the fire you receive a bill from the vice Charge and is an Additional Cover-
fire department for $450.00 for respond- age provided under the policy, limited to
ing to the fire. Would this be paid under $500.
your homeowner's policy?
Gives up the right to sue the employer for
Generally, if an employee suffers an oc-
personal injury and pain and suffering.
cupational injury and accepts workers'
The employee can only make claim for
compensation benefits, he or she:
workers' compensation benefits.
Janelle has a Texas Personal Auto Policy
with 30/60/25 policy limits. She hits a car
with 4 occupants, all of whom are hurt.
They all sue. Each of the injured parties
receives identical verdicts of $40,000. $60,000
Under Janelle's bodily injury liability cov-
erage, what is the total amount that the
company would pay for the injuries to
these plaintiffs?
A person or entity who guarantees the
performance or payment of one party
Surety
who is obligated by contract to another
is called a:
If your insured were to ask you if a
Dwelling policy would pay for his loss of
Yes, and it's called Fair Rental Value cov-
rental income after a fire loss while the
erage and is available under Coverage D.
property is being repaired. what would
you tell him?
Fred runs a convenience store that sells
gasoline. One day a customer pulls away
from the pump while the gas is still pump-
ing, breaks the pump line and causes
gasoline to escape all over the parking
lot and into the storm drain. Fred files
a claim under his commercial property
policy. Damage to repair the pump totals
$545.00 and $257.00 worth of gasoline
, TEXAS ALL LINES ADJUSTER REAL EXAM QUESTIONS AND ANSWERS 2025|WELL
QUESTIONS STRUCTURED|100% PASS
ANSWERS
was pumped out before anyone noticed
and stopped the pump.The local HazMat
team was called out by the authorities to
clean up the parking lot and the storm
drain. Fred received a bill from the Coun-
Pollution Clean Up and Removal
ty for $12.850.00 for the clean up. He
sends the bill to you to pay. What kind of
coverage is available to Fred as a com-
mercial property extension of coverage
needed to pay this loss?
A cargo ship loaded with lumber and sail-
ing from Seattle, Washington to Tokyo,
Japan, encountered "the perfect storm"
during its trip across the Pacific Ocean. Jettison
Some of the lumber was thrown over-
board to save the ship. This action is
called:
Roberto owns a house on Lake Conroe.
The house is insured with an HO-3 pol-
icy. During a storm, a tornado touches
down and severely damages the house.
Because the house is untenable and it
will take 2 months to complete repairs, Coverage D: Loss of Use
Roberto moves Into a local Marriott Res-
idence Inn. Under which of the following
coverages would Roberto be able to re-
cover the additional expense of the Mar-
riott and other costs?
provide basic property protection for indi-
Dwelling policies: viduals who want to protect their financial
interest in a property
Which of the following perils or exposure
are Fidelity bonds generally used to in- Embezzlement
sure against?
To be compensable under workers' com-
pensation laws, most jurisdictions re- arise out of and in the course of employ-
ment.
quire that an injury:
QUESTIONS STRUCTURED|100% PASS
ANSWERS
A severe thunderstorm damaged a pol-
icyholder's residence. He called and
asked how long it would be before he We have 6 months to reach a final settle-
receives payment for his claim. Which of ment with you.
the following would NOT be an appropri-
ate response?
Janelle has just graduated college and is
interested in becoming an adjuster. she
would like to be able to handle any type All-Lines
of claim. The most comprehensive type
of license would be:
Jack and Rebecca own a vacation home
on Galveston Island which they have in-
sured under an HO-3 policy. After a week
long winter ski trip to Aspen, they re-
The entire theft loss would be covered
turn home to find their house burglar-
under Coverage C. subject the policy lim-
ized and their 50" TV, computer equip-
its and to certain limitations.
ment, jewelry, a valuable gun collection
and some fishing equipment stolen. How
would their HO-3 policy respond to this
loss?
The oldest form of insurance known to
Ocean Marine Insurance
exist is:
How is an injured employee's week-
ly compensation rate for Temporary In-
The comp rate = (AWW - Post Injury
come Benefits (TIBS) calculated under
Earnings) × 70%
Texas Work
Comp laws?
personal injury or death by "accident",
In workers compensation, an "injury is
arising out of work performed in the
defined to mean:
course of employment.
Justin is a Property adjuster for XYZ In-
surance Company. He receives a claim
involving the theft loss of various types
If coverage exists
of property. Justin's initial responsibility
upon investigating the loss is to first de-
termine:
, TEXAS ALL LINES ADJUSTER REAL EXAM QUESTIONS AND ANSWERS 2025|WELL
QUESTIONS STRUCTURED|100% PASS
ANSWERS
Jim is a public adjuster. He has an
arrangement with a water extraction
This arrangement reflects a breach of
company who pays him a commission
ethical conduct and a violation that could
of 10% for every referral that Jim sends
jeopardize Jim's licensure.
their way. Which of the following state-
ments is correct?
Which of the following would NOT be
Your 10-year old German Shepherd
covered under Coverage C Personal
chokes on a bone and passes away.
Property?
A tornado strikes a duplex that is insured
under a Dwelling (DP-3) policy. Which of Damage to another duplex right next
the following would NOT be covered by door, also owned by the landlord.
the Dwelling policy?
Common carriers (i.e. 18-wheelers,
trains, planes, etc.) are responsible for
damage to customer goods they trans- Acts of God
port EXCEPT for damages resulting
from:
You have just started your career
handling Texas workers' compensation Not responding to an employee's calls
claims. Which one of the following because you're overworked and the
WOULD BE considered a violation of the claim involves complex issues you just
Texas Unfair Claim Settlement Practices don't feel like addressing.
Act?
Which type of bond would be used to
Fidelity bond
cover the exposure to employee theft?
Pass a state qualifying exam or pre-li-
censing course that is certified by the
Garrett wants a Texas All Lines Ad-
Texas Department of Insurance that in-
juster's license. Which of the following
cludes an approved, comprehensive final
actions will be necessary for Garrett to
examination of 150 questions, and attach
secure such a license?
the Certificate of Completion to an appli-
cation for licensure.
The DP.3 Dwelling form is an "Open All risks of direct physical loss are cov-
Risk" policy. This means that: ered unless they are excluded
, TEXAS ALL LINES ADJUSTER REAL EXAM QUESTIONS AND ANSWERS 2025|WELL
QUESTIONS STRUCTURED|100% PASS
ANSWERS
Assume your home caught fire due to a
faulty electrical device. and one month Yes. It is called Fire Department Ser-
after the fire you receive a bill from the vice Charge and is an Additional Cover-
fire department for $450.00 for respond- age provided under the policy, limited to
ing to the fire. Would this be paid under $500.
your homeowner's policy?
Gives up the right to sue the employer for
Generally, if an employee suffers an oc-
personal injury and pain and suffering.
cupational injury and accepts workers'
The employee can only make claim for
compensation benefits, he or she:
workers' compensation benefits.
Janelle has a Texas Personal Auto Policy
with 30/60/25 policy limits. She hits a car
with 4 occupants, all of whom are hurt.
They all sue. Each of the injured parties
receives identical verdicts of $40,000. $60,000
Under Janelle's bodily injury liability cov-
erage, what is the total amount that the
company would pay for the injuries to
these plaintiffs?
A person or entity who guarantees the
performance or payment of one party
Surety
who is obligated by contract to another
is called a:
If your insured were to ask you if a
Dwelling policy would pay for his loss of
Yes, and it's called Fair Rental Value cov-
rental income after a fire loss while the
erage and is available under Coverage D.
property is being repaired. what would
you tell him?
Fred runs a convenience store that sells
gasoline. One day a customer pulls away
from the pump while the gas is still pump-
ing, breaks the pump line and causes
gasoline to escape all over the parking
lot and into the storm drain. Fred files
a claim under his commercial property
policy. Damage to repair the pump totals
$545.00 and $257.00 worth of gasoline
, TEXAS ALL LINES ADJUSTER REAL EXAM QUESTIONS AND ANSWERS 2025|WELL
QUESTIONS STRUCTURED|100% PASS
ANSWERS
was pumped out before anyone noticed
and stopped the pump.The local HazMat
team was called out by the authorities to
clean up the parking lot and the storm
drain. Fred received a bill from the Coun-
Pollution Clean Up and Removal
ty for $12.850.00 for the clean up. He
sends the bill to you to pay. What kind of
coverage is available to Fred as a com-
mercial property extension of coverage
needed to pay this loss?
A cargo ship loaded with lumber and sail-
ing from Seattle, Washington to Tokyo,
Japan, encountered "the perfect storm"
during its trip across the Pacific Ocean. Jettison
Some of the lumber was thrown over-
board to save the ship. This action is
called:
Roberto owns a house on Lake Conroe.
The house is insured with an HO-3 pol-
icy. During a storm, a tornado touches
down and severely damages the house.
Because the house is untenable and it
will take 2 months to complete repairs, Coverage D: Loss of Use
Roberto moves Into a local Marriott Res-
idence Inn. Under which of the following
coverages would Roberto be able to re-
cover the additional expense of the Mar-
riott and other costs?
provide basic property protection for indi-
Dwelling policies: viduals who want to protect their financial
interest in a property
Which of the following perils or exposure
are Fidelity bonds generally used to in- Embezzlement
sure against?
To be compensable under workers' com-
pensation laws, most jurisdictions re- arise out of and in the course of employ-
ment.
quire that an injury:
