MARYLAND PUBLIC ADJUSTER EXAM STUDY GUIDE CORRECTLY ANSWERED FINAL SCRIPT 2026 FULL SOLUTIONS AND CORRECT ANSWERS GRADED A+

MARYLAND PUBLIC ADJUSTER EXAM
STUDY GUIDE CORRECTLY ANSWERED
FINAL SCRIPT 2026 FULL SOLUTIONS AND
CORRECT ANSWERS GRADED A+

⩥ BROAD form dwelling policy: named perils. Answer: 1. Damage by
burglars
2. Falling objects
3. Weight of snow/ice/sleet
4. Overflow of water
5. Hot water system damage
6. Artificially damaged current
7. Volcanic eruption


⩥ DP-2. Answer: Broad Form Policy ie: volcanic eruption, weight of
snow/rain/sleet, falling objects etc.


⩥ DP-3. Answer: Special Form Policy - open perils covered


⩥ DP-1. Answer: Basic Form Policy ie. Fire, Wind, Hail, Theft,
Lightning, etc.

,⩥ Farm Property Coverage. Answer: - Similar to Homeowners Policy
- Combination of a business with a private dwelling on the property


⩥ Livestock Coverage. Answer: coverage for livestock ie:
- cattle
- goats
- horses
- donkeys
- swine
- sheep
- mules


⩥ Farm Coverage A. Answer: Dwelling


⩥ Farm coverage B. Answer: other private structures


⩥ Farm Coverage C. Answer: Household Personal Property


⩥ Farm Coverage D. Answer: Loss of use


⩥ Farm Coverage E. Answer: Scheduled Farm Personal Property ie:
- grain

, - hay
- poultry
- computers related to farm management
- livestock
- other animals
- etc.


⩥ Farm Coverage F. Answer: Unscheduled Farm person property ie:
- equipment
- supplies
- products of farming operations


⩥ Farm Coverage G. Answer: Other Farm Structures ie:
- farm buildings
- barns
- grain silos


⩥ Replacement Cost. Answer: Amount paid to replace property at
market value without deduction for depreciation


⩥ Dwelling Policy. Answer: - AKA Landlords Policy
- Personal Property Coverage is optional (does not include tenants)