GA Claims Adjuster
Licensing Exam
2026
Questions and Answers
(A+ Grade Guarantee)
2026
, GA Claims Adjuster Licensing Exam
Study online at https://quizlet.com/_7ue2vl
1. What coverage does Community Eligibility apply to? Flood insurance through
FEMA
2. What's the difference between Emergency Program Emergency applies to
and Regular Program in the National Flood Insurance homes in communities
Program? that are a normally not a
flood hazard. Regular pro-
grams are awarded to an
entire community that is
eligible due to flood haz-
ard.
3. What is the flood coverage on a regular program in a $250,000
1-4 Family Dwelling?
4. On what policy can you add the Flood Program en- None! It has its own policy
dorsement? through the Federal Gov-
ernment.
5. Difference in Conditions (DIC) Insurance A separate insurance poli-
cy that provides open-per-
ils coverage to fill in
the gaps left by flood
coverage if a home is
worth over $250K. Cover-
age is produced through
Excess/Surplus Lines.
6. What is the waiting period on NFIP coverage? 30 days after policy pur-
chase
7. What is the coverage change waiting period for the 5 days
NFIP?
2026
, GA Claims Adjuster Licensing Exam
Study online at https://quizlet.com/_7ue2vl
8. Give examples of the flood peril - an overflow of inland or
tidal waters
- unusual or rapid accu-
mulation or runoff of sur-
face waters
-Mudflow or Mudslide
- Collapse of land along
the shore of a lake as a
result of erosion
9. What kinds of things does flood insurance cover? Your house and your
things (dwelling and per-
sonal property). No indi-
rect charges.
10. Dwelling coverage extension for flood insurance cov- Structures not attached to
ers what? How much is it? dwelling (O.S. or Appur-
tenant structures). 10%
of Dwelling limit. ***It is
an extension of coverage,
NOT the $250K limit so any
coverage needed here will
reduce the amount able to
go to the dwelling.
11. Contents coverage of flood insurance is limited to Personal property dam-
what? aged or destroyed by the
flood itself and belongs
to insured and resident
spouse/relatives. The in-
sured is liable for content
of others.
2026
Licensing Exam
2026
Questions and Answers
(A+ Grade Guarantee)
2026
, GA Claims Adjuster Licensing Exam
Study online at https://quizlet.com/_7ue2vl
1. What coverage does Community Eligibility apply to? Flood insurance through
FEMA
2. What's the difference between Emergency Program Emergency applies to
and Regular Program in the National Flood Insurance homes in communities
Program? that are a normally not a
flood hazard. Regular pro-
grams are awarded to an
entire community that is
eligible due to flood haz-
ard.
3. What is the flood coverage on a regular program in a $250,000
1-4 Family Dwelling?
4. On what policy can you add the Flood Program en- None! It has its own policy
dorsement? through the Federal Gov-
ernment.
5. Difference in Conditions (DIC) Insurance A separate insurance poli-
cy that provides open-per-
ils coverage to fill in
the gaps left by flood
coverage if a home is
worth over $250K. Cover-
age is produced through
Excess/Surplus Lines.
6. What is the waiting period on NFIP coverage? 30 days after policy pur-
chase
7. What is the coverage change waiting period for the 5 days
NFIP?
2026
, GA Claims Adjuster Licensing Exam
Study online at https://quizlet.com/_7ue2vl
8. Give examples of the flood peril - an overflow of inland or
tidal waters
- unusual or rapid accu-
mulation or runoff of sur-
face waters
-Mudflow or Mudslide
- Collapse of land along
the shore of a lake as a
result of erosion
9. What kinds of things does flood insurance cover? Your house and your
things (dwelling and per-
sonal property). No indi-
rect charges.
10. Dwelling coverage extension for flood insurance cov- Structures not attached to
ers what? How much is it? dwelling (O.S. or Appur-
tenant structures). 10%
of Dwelling limit. ***It is
an extension of coverage,
NOT the $250K limit so any
coverage needed here will
reduce the amount able to
go to the dwelling.
11. Contents coverage of flood insurance is limited to Personal property dam-
what? aged or destroyed by the
flood itself and belongs
to insured and resident
spouse/relatives. The in-
sured is liable for content
of others.
2026
