TX ADJUSTER TEST QUESTIONS AND CORRECT ANSWERS

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TX ADJUSTER TEST QUESTIONS AND CORRECT ANSWERS

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Institution Adjuster

Course Adjuster

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TX ADJUSTER TEST QUESTIONS AND CORRECT ANSWERS

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TX ADJUSTER TEST QUESTIONS AND
CORRECT ANSWERS
SubrogateA2SubrogationA2isA2theA2rightA2forA2anA2insurerA2toA2legallyA2pursueA2aA2thirdA2p
artyA2thatA2causedA2anA2insuranceA2lossA2toA2theA2insured.A2ThisA2isA2doneA2asA2aA2mean
sA2ofA2recoveringA2theA2amountA2ofA2theA2claimA2paidA2byA2theA2insuranceA2carrierA2toA2th
eA2insuredA2forA2theA2loss.A2-A2Ans--
WhileA2investigatingA2aA2claim,A2youA2determineA2thatA2theA2lossA2wasA2causedA2byA2aA2d
efectiveA2mechanismA2inA2theA2dishwasher.A2YouA2wouldA2attemptA2to_______________
__________?

AppraisalA2-A2Ans--
WhatA2isA2theA2processA2whenA2anA2insurerA2andA2anA2insuredA2haveA2aA2disputeA2regardi
ngA2theA2amountA2ofA2damage?

MaterialA2MisrepresentationA2-A2Ans--
__________________________________________________is A2aA2significantA2misstat
ementA2inA2anA2applicationA2form.A2IfA2aA2companyA2hadA2accessA2toA2theA2correctA2infor
mationA2atA2theA2timeA2ofA2application,A2theA2companyA2mightA2notA2haveA2agreedA2toA2ac
ceptA2theA2application.

Age,A2ConditionA2andA2LifeA2ExpectancyA2-A2Ans--
AsA2anA2adjuster,A2youA2shouldA2baseA2depreciationA2onA2theseA2threeA2factors?

UmpireA2-A2Ans--
An_________________A2isA2aA2personA2hiredA2byA2theA2propertyA2ownerA2toA2settleA2theA
2claimA2withA2insuranceA2companyA2onA2theirA2behalf.

HO-AA2-A2Ans--
ThisA2typeA2ofA2policyA2providesA2coverageA2onlyA2forA2thoseA2perilsA2thatA2areA2listedA2inA
2theA2policy?

AdditionalA2LivingA2ExpensesA2-A2Ans--
_________________________A2areA2extraA2chargesA2coveredA2byA2homeowner'sA2polici
esA2overA2andA2aboveA2theA2policyholder'sA2customaryA2livingA2expenses.

OccurrenceA2-A2Ans--
_______________________isA2anA2eventA2thatA2resultsA2inA2anA2insuredA2loss/
damages?

ActualA2CashA2ValueA2-A2Ans--
WhatA2isA2valueA2ofA2yourA2property,A2basedA2onA2theA2currentA2costA2toA2replaceA2it,A2min
usA2depreciation?

, IncurredA2ExpensesA2-A2Ans--
ExpensesA2thatA2haveA2alreadyA2sustainedA2andA2thatA2haveA2notA2yetA2beenA2paidA2areA2
knownA2asA2____________________________________.

DeclarationsA2PageA2-A2Ans--
________________________________is A2theA2partA2ofA2theA2writtenA2insuranceA2policy
A2thatA2statesA2allA2theA2policy'sA2specific's,A2includingA2theA2nameA2ofA2theA2policyholder,A
2theA2typeA2ofA2propertyA2insured,A2theA2premiums,A2andA2theA2termA2limitsA2forA2theA2cov
erage.

NegligenceA2-A2Ans--
WhatA2isA2theA2failureA2toA2useA2thatA2degreeA2ofA2careA2whichA2anA2ordinaryA2personA2ofA
2reasonableA2prudenceA2wouldA2useA2underA2similarA2circumstances?

OverheadA2andA2ProfitA2-A2Ans--
______________________________is A2theA2amountA2ofA2moneyA2dedicatedA2toA2aA2ge
neralA2contractor'sA2costA2ofA2doingA2aA2businessA2andA2earningA2aA2profit.

ThirdA2PartyA2LossA2-A2Ans--
____________________________isA2aA2situationA2involvingA2aA2personA2otherA2thanA2a
nA2insurerA2andA2theA2insured.

ReservesA2-A2Ans--
WhatA2isA2theA2amountA2representingA2actualA2orA2potentialA2liabilitiesA2keptA2byA2andA2ins
urerA2toA2coverA2debtsA2toA2policyholder?

FirstA2PartyA2LossA2-A2Ans--ThisA2lossA2involvesA2onlyA2theA2insurerA2andA2theA2insured?

LiabilityA2-A2Ans--WhatA2isA2theA2responsibilityA2toA2anotherA2forA2one'sA2negligence?

SeverityA2-A2Ans--
_____________________A2isA2theA2sizeA2ofA2aA2loss,A2theA2extentA2ofA2damages.

PremiumA2-A2Ans--
___________________________A2isA2theA2amountA2paidA2byA2anA2insuredA2toA2anA2insu
ranceA2companyA2toA2obtainA2orA2maintainA2anA2insuranceA2policy

ReplacementA2CostA2-A2Ans--
__________________________________is A2theA2costA2associatedA2withA2replacingA2pr
opertyA2atA2theA2currentA2marketA2price.

PolicyA2PeriodA2-A2Ans--
TheA2periodA2ofA2aA2policyA2isA2inA2force,A2fromA2theA2beginningA2orA2effectiveA2dateA2toA2t
heA2expirationA2dateA2isA2theA2________________________________?

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Number of pages: 11
Written in: 2025/2026
Type: Exam (elaborations)
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