NY INDEPENDENT GENERAL
ADJUSTER EXAM 2026 LATEST
UPDATE QUESTIONS AND CORRECT
VERIFIED ANSWERS ALREADY
GRADED A+
What is Demurrage? - ans-Compensation for the delaying of a vessel
carrying freight.
How would two insurance companies pay a claim under the "Contribution
by Equal Shares" clause? - ans-Each would pay the same until its
limits are exhausted.
What does Coverage G under the Farm Forms cover? - ans-Barns, Silos,
and Fences.
MIG welding on a rocker panel creates a heat- affected area. What
concerns should a technician be aware of when performing this
procedure? - ans-Destruction of the factory coating on the interior
of the panel.
A licensee must report to the Superintendent of Insurance any
administrative action taken against the licensee in another jurisdiction or
by another governmental agency in this state within _____ of the final
disposition of the matter. - ans-30 Days.
Is damage to a covered auto while being used as part of a car pool
covered under the PD coverage of a PAP? - ans-Yes.
,Does the National Flood Insurance Program provide coverage for losses
caused by water-main breakage? - ans-No.
Which of the following is not required to obtain an adjuster license in New
York? A licensed NY attorney, adjuster of maritime losses, or CEO? - ans-
None.
How many years must a business be operational in New York before it can
qualify as a self-insurer for workers compensation? - ans-3 Years.
What coverage does the Difference in Conditions form provide? - ans-
Gaps left by other property insurance forms.
What would most likely be the effect of an insured's breach of warranty? -
ans-The insurer might void the entire policy.
Can coverage on a Commercial Property Insurance plan be written on a
replacement cost basis for building, personal property of the insured and
property of others? - ans-Yes.
The disability income rider which protects against the erosion of
purchasing power for fixed disability benefits is known as the: - ans-Cost
of Living Adjustment rider (COLA)
Which type of Crop Insurance Policy covers the entire farm instead of an
individual crop? - ans-Adjusted Gross Revenue (AGR)
Under the CGL Policy, tangible property other than "your property" or
"your work" that cannot be used or is less useful due to your faulty work
or your work not completed on time is called: - ans-Impaired Property.
What type of coverage would a heating and cooling contractor need when
work has been done on a newly renovated building but not yet accepted
by the owner? - ans-Installation Floater.
, In a standard workers compensation policy, when would employer's
liability coverage apply? - ans-For employee-injury claims that are outside
the scope of the workers compensation law.
Which of the following is not an "additional coverage" under homeowners
liability Section II coverage? - ans-Payments made by the insurer to settle
a claim.
Symbol 2 is entered for one of the physical damage coverages in the
declarations of the BAP. The insured buys an additional auto after the
policy begins. The newly acquired auto will become a covered auto: - ans-
Automatically.
What is a requirement that a professional association must meet to obtain
group insurance? - ans-It must have been in existence for at least two
years.
Third-party provisions allow for an entity that lends money to an insured
to purchase property, to be named on the insurance for that property. In
property insurance, this is known as a "standard mortgage clause." In auto
insurance, it is known as: - ans-Loss payable clause.
Technician A says that when acoustical foam is removed during the repair,
it is not necessary to replace it. Technician B says the acoustical materials
should be replaced with structural foam to maintain structural sound
requirements. Who is right? - ans-Neither.
The insured carries auto insurance in New York and has purchased the
Supplementary Uninsured Motorist Coverage (SUM). This coverage: - ans-
Replaces the statutory uninsured motorist coverage.
Substitute services will provide: - ans-$25 per day for one year.
ADJUSTER EXAM 2026 LATEST
UPDATE QUESTIONS AND CORRECT
VERIFIED ANSWERS ALREADY
GRADED A+
What is Demurrage? - ans-Compensation for the delaying of a vessel
carrying freight.
How would two insurance companies pay a claim under the "Contribution
by Equal Shares" clause? - ans-Each would pay the same until its
limits are exhausted.
What does Coverage G under the Farm Forms cover? - ans-Barns, Silos,
and Fences.
MIG welding on a rocker panel creates a heat- affected area. What
concerns should a technician be aware of when performing this
procedure? - ans-Destruction of the factory coating on the interior
of the panel.
A licensee must report to the Superintendent of Insurance any
administrative action taken against the licensee in another jurisdiction or
by another governmental agency in this state within _____ of the final
disposition of the matter. - ans-30 Days.
Is damage to a covered auto while being used as part of a car pool
covered under the PD coverage of a PAP? - ans-Yes.
,Does the National Flood Insurance Program provide coverage for losses
caused by water-main breakage? - ans-No.
Which of the following is not required to obtain an adjuster license in New
York? A licensed NY attorney, adjuster of maritime losses, or CEO? - ans-
None.
How many years must a business be operational in New York before it can
qualify as a self-insurer for workers compensation? - ans-3 Years.
What coverage does the Difference in Conditions form provide? - ans-
Gaps left by other property insurance forms.
What would most likely be the effect of an insured's breach of warranty? -
ans-The insurer might void the entire policy.
Can coverage on a Commercial Property Insurance plan be written on a
replacement cost basis for building, personal property of the insured and
property of others? - ans-Yes.
The disability income rider which protects against the erosion of
purchasing power for fixed disability benefits is known as the: - ans-Cost
of Living Adjustment rider (COLA)
Which type of Crop Insurance Policy covers the entire farm instead of an
individual crop? - ans-Adjusted Gross Revenue (AGR)
Under the CGL Policy, tangible property other than "your property" or
"your work" that cannot be used or is less useful due to your faulty work
or your work not completed on time is called: - ans-Impaired Property.
What type of coverage would a heating and cooling contractor need when
work has been done on a newly renovated building but not yet accepted
by the owner? - ans-Installation Floater.
, In a standard workers compensation policy, when would employer's
liability coverage apply? - ans-For employee-injury claims that are outside
the scope of the workers compensation law.
Which of the following is not an "additional coverage" under homeowners
liability Section II coverage? - ans-Payments made by the insurer to settle
a claim.
Symbol 2 is entered for one of the physical damage coverages in the
declarations of the BAP. The insured buys an additional auto after the
policy begins. The newly acquired auto will become a covered auto: - ans-
Automatically.
What is a requirement that a professional association must meet to obtain
group insurance? - ans-It must have been in existence for at least two
years.
Third-party provisions allow for an entity that lends money to an insured
to purchase property, to be named on the insurance for that property. In
property insurance, this is known as a "standard mortgage clause." In auto
insurance, it is known as: - ans-Loss payable clause.
Technician A says that when acoustical foam is removed during the repair,
it is not necessary to replace it. Technician B says the acoustical materials
should be replaced with structural foam to maintain structural sound
requirements. Who is right? - ans-Neither.
The insured carries auto insurance in New York and has purchased the
Supplementary Uninsured Motorist Coverage (SUM). This coverage: - ans-
Replaces the statutory uninsured motorist coverage.
Substitute services will provide: - ans-$25 per day for one year.
