ADJUSTER PRO INSURANCE ADJUSTER
ACTUAL SCRIPT 2026 QUESTIONS WITH
ANSWERS GRADED A+
●● Zane's farmhouse was burglarized. The thieves stole his $4,000 sofa,
his $3,000 silverware collection, and his $5,000 watch. Under Zane's
farm insurance policy, which has a Coverage A limit of $150,000, how
much can he expect to receive in indemnification for this loss, assuming
there are no endorsements and ignoring any deductibles?.
Answer: $9,000
●● Acme Construction is in charge of building a new subdivision in the
city, and hires Jim's Masonry to lay the foundations. As part of the deal,
Jim's Masonry is required to purchase Owners & Contractors Protective
Liability to protect Acme Construction in the event Jim makes a mistake
that results in a liability claim. Who will be listed as the named insured
on this policy?.
Answer:
●● John has purchased a homeowners insurance policy with a
percentage deductible based on the total limit of insurance for his home.
John insures his home for $600,000, and the policy includes a 3%
deductible. A huge thunderstorm passes through one night and blows the
roof off his house. The insurance company estimates that covered
damage totals $80,000. How much indemnification should John expect
for the losses to his roof?.
,Answer: $62,000
●● Which of the following statements regarding health insurance is
TRUE?.
Answer: To be covered, members of an HMO must receive treatment for
their medical conditions within the established network of healthcare
providers.
●● Which of the following statements best describes the Law of Large
Numbers?.
Answer:
●● Which of the following is FALSE about Workers' Compensation
insurance?.
Answer:
●● ABC Construction recently won a bid to reconstruct the town park.
After a few months of work, ABC Construction realizes they won't make
any money on the project and walk away, leaving the park half-finished.
Luckily, the town had required ABC Construction to hold a surety bond
from Parker Sureties, who can now step in to finance the completion of
the job. Which of the following statements is TRUE?.
Answer:
, ●● Which of the following refers to being restored to the financial
condition you were in before a loss?.
Answer:
●● The Valuable Papers and Records floater can cover losses to all of
the following, EXCEPT:.
Answer: securities.
●● Which of the following incidents would a liability insurance policy
cover?.
Answer:
●● Which of the following highlights a major difference between an
insurance contract and a surety bond?.
Answer:
●● Which of the following coverage options does NOT waive the
coinsurance requirement in a commercial property policy?.
Answer:
●● The purpose of the principle of indemnity is:.
Answer: to prevent an insured from making a profit on a loss.
ACTUAL SCRIPT 2026 QUESTIONS WITH
ANSWERS GRADED A+
●● Zane's farmhouse was burglarized. The thieves stole his $4,000 sofa,
his $3,000 silverware collection, and his $5,000 watch. Under Zane's
farm insurance policy, which has a Coverage A limit of $150,000, how
much can he expect to receive in indemnification for this loss, assuming
there are no endorsements and ignoring any deductibles?.
Answer: $9,000
●● Acme Construction is in charge of building a new subdivision in the
city, and hires Jim's Masonry to lay the foundations. As part of the deal,
Jim's Masonry is required to purchase Owners & Contractors Protective
Liability to protect Acme Construction in the event Jim makes a mistake
that results in a liability claim. Who will be listed as the named insured
on this policy?.
Answer:
●● John has purchased a homeowners insurance policy with a
percentage deductible based on the total limit of insurance for his home.
John insures his home for $600,000, and the policy includes a 3%
deductible. A huge thunderstorm passes through one night and blows the
roof off his house. The insurance company estimates that covered
damage totals $80,000. How much indemnification should John expect
for the losses to his roof?.
,Answer: $62,000
●● Which of the following statements regarding health insurance is
TRUE?.
Answer: To be covered, members of an HMO must receive treatment for
their medical conditions within the established network of healthcare
providers.
●● Which of the following statements best describes the Law of Large
Numbers?.
Answer:
●● Which of the following is FALSE about Workers' Compensation
insurance?.
Answer:
●● ABC Construction recently won a bid to reconstruct the town park.
After a few months of work, ABC Construction realizes they won't make
any money on the project and walk away, leaving the park half-finished.
Luckily, the town had required ABC Construction to hold a surety bond
from Parker Sureties, who can now step in to finance the completion of
the job. Which of the following statements is TRUE?.
Answer:
, ●● Which of the following refers to being restored to the financial
condition you were in before a loss?.
Answer:
●● The Valuable Papers and Records floater can cover losses to all of
the following, EXCEPT:.
Answer: securities.
●● Which of the following incidents would a liability insurance policy
cover?.
Answer:
●● Which of the following highlights a major difference between an
insurance contract and a surety bond?.
Answer:
●● Which of the following coverage options does NOT waive the
coinsurance requirement in a commercial property policy?.
Answer:
●● The purpose of the principle of indemnity is:.
Answer: to prevent an insured from making a profit on a loss.
