Hawaii Adjusters Practice Test
Questions with Solved Solutions 2025-
2026.
Under the Standard Fire policy, how many days of coverage is provided by the policy to cover
property moved to another location when the property is endangered by the perils insured
against under the policy? - Answer 5 days
When the Hawaii Department is investigating possible insurance law violations, the
Commissioner will pay all of the following, EXCEPT:
Answer Choices:
Cost to search for items designated by the subpoena.
Mileage for witnesses to attend the hearing.
Costs to reproduce records relating to the case.
Costs to transport the books, papers, documents or records relating to the case. - Answer
Mileage for witnesses to attend the hearing
What is the bond limit that is required for a public adjuster's license? - Answer $10,000
What section of an insurance contract contains the terms used throughout the policy? - Answer
Definitions
Under the National Flood Insurance Program, replacement cost coverage is available for: -
Answer Single family dwellings only.
In order to receive full replacement cost recovery on a covered loss under a BOP, the named
insured must maintain insurance limits equal to at least what percentage of the covered
property's full replacement value? - Answer 80% of the property value
The inland marine coverage form that covers clothing, cameras and other portable property
worn or carried by tourists and travelers is a - Answer Personal effects floater
A Commercial General Liability form provides automatic coverage for newly acquired
organizations for up to - Answer 90 Days
Under the Additional Coverages of the Businessowners Property forms, property removed to
protect it from loss will be covered at another location for up to - Answer 30 Days
, Garagekeepers specified causes of loss coverage would apply to each of the following, EXCEPT:
Fire, Windstorm, Falling Objects, or Lightening - Answer Windstorm
If there were other existing insurance, coverage under crime insurance would be - Answer
Pro Rated
How long must a foreign or alien insurer have transacted business elsewhere in order to
transact business in Hawaii? - Answer 5 Years
Under the Commercial Property Liberalization Clause, if the insurer makes any coverage revision
which broadens the coverage without an additional premium charge, it will automatically apply
to existing policies if the revision is adopted during the policy term or within: - Answer 45
days prior to the effective date
What is the binding authority of a Surplus Lines Broker? - Answer A surplus broker does not
have the authority to bind risks
Under the discovery clause in the loss sustained policy, which of the following is covered? -
Answer A loss discovered up to one year after the policy expired but that occurred during
the policy period
Any person who violates any provision of the Code for which another penalty is not specified
may be subject to a fine of not less than ______nor more than ______, or by imprisonment for
up to one year. - Answer $100/$10,000
Which of the following is generally intended to cover property that moves from one location to
another? - Answer Floaters
Any person that knowingly violates the provisions concerning the handling of a Personal Injury
Protection (PIP) motor vehicle insurance applications or the provisions concerning cancellation
or nonrenewal of PIP insurance, will be subject to a civil penalty up to: - Answer $1,000
An insurer or licensee must respond in writing to an inquiry from the Hawaii Insurance
Commissioner regarding a consumer complaint within: - Answer 15 Days
Under the "regular program" a flood insurance policy will insure a single family residence for up
to: - Answer $250,000
Under the emergency flood program the dwelling is covered for - Answer $35,000
Questions with Solved Solutions 2025-
2026.
Under the Standard Fire policy, how many days of coverage is provided by the policy to cover
property moved to another location when the property is endangered by the perils insured
against under the policy? - Answer 5 days
When the Hawaii Department is investigating possible insurance law violations, the
Commissioner will pay all of the following, EXCEPT:
Answer Choices:
Cost to search for items designated by the subpoena.
Mileage for witnesses to attend the hearing.
Costs to reproduce records relating to the case.
Costs to transport the books, papers, documents or records relating to the case. - Answer
Mileage for witnesses to attend the hearing
What is the bond limit that is required for a public adjuster's license? - Answer $10,000
What section of an insurance contract contains the terms used throughout the policy? - Answer
Definitions
Under the National Flood Insurance Program, replacement cost coverage is available for: -
Answer Single family dwellings only.
In order to receive full replacement cost recovery on a covered loss under a BOP, the named
insured must maintain insurance limits equal to at least what percentage of the covered
property's full replacement value? - Answer 80% of the property value
The inland marine coverage form that covers clothing, cameras and other portable property
worn or carried by tourists and travelers is a - Answer Personal effects floater
A Commercial General Liability form provides automatic coverage for newly acquired
organizations for up to - Answer 90 Days
Under the Additional Coverages of the Businessowners Property forms, property removed to
protect it from loss will be covered at another location for up to - Answer 30 Days
, Garagekeepers specified causes of loss coverage would apply to each of the following, EXCEPT:
Fire, Windstorm, Falling Objects, or Lightening - Answer Windstorm
If there were other existing insurance, coverage under crime insurance would be - Answer
Pro Rated
How long must a foreign or alien insurer have transacted business elsewhere in order to
transact business in Hawaii? - Answer 5 Years
Under the Commercial Property Liberalization Clause, if the insurer makes any coverage revision
which broadens the coverage without an additional premium charge, it will automatically apply
to existing policies if the revision is adopted during the policy term or within: - Answer 45
days prior to the effective date
What is the binding authority of a Surplus Lines Broker? - Answer A surplus broker does not
have the authority to bind risks
Under the discovery clause in the loss sustained policy, which of the following is covered? -
Answer A loss discovered up to one year after the policy expired but that occurred during
the policy period
Any person who violates any provision of the Code for which another penalty is not specified
may be subject to a fine of not less than ______nor more than ______, or by imprisonment for
up to one year. - Answer $100/$10,000
Which of the following is generally intended to cover property that moves from one location to
another? - Answer Floaters
Any person that knowingly violates the provisions concerning the handling of a Personal Injury
Protection (PIP) motor vehicle insurance applications or the provisions concerning cancellation
or nonrenewal of PIP insurance, will be subject to a civil penalty up to: - Answer $1,000
An insurer or licensee must respond in writing to an inquiry from the Hawaii Insurance
Commissioner regarding a consumer complaint within: - Answer 15 Days
Under the "regular program" a flood insurance policy will insure a single family residence for up
to: - Answer $250,000
Under the emergency flood program the dwelling is covered for - Answer $35,000
