INSURANCE ADJUSTER LATEST 2026 EXAMINERS
QUESTIONS AND ANSWERS SURE A+
✔✔DP-1 Basic Dwelling policy includes everything except Coverage _____ -
✔✔Coverage E
✔✔which coverages do DP-2 and DP-3 Dwelling policies include? - ✔✔All of them
✔✔Insuring Agreement Section - ✔✔identifies the losses you have coverage for
✔✔How many years of experience must you have to qualify to be Counselor? - ✔✔5
years experience (and take exam)
✔✔Are stolen items covered under burglary damage? - ✔✔No. Burglary policy only
covers the actual house, NOT its contents
✔✔Flooding - ✔✔caused by acts of nature ONLY (would NOT include any plumbing
issues)
✔✔What would be covered if plumbing burst from old age? - ✔✔the water damage only;
not the plumbing expenses b/c they were gradual and expected
, ✔✔What would be covered if plumbing burst from a mechanical defect? - ✔✔The water
damage only; the mechanical would be covered under separate warranty
✔✔What would be covered if there was freeze damage to plumbing? - ✔✔would cover
everything (water damage and plumbing) b/c was sudden/unexpected
✔✔What is the best dwelling DP form? - ✔✔DP-3 Special
✔✔DP-3 Special Dwelling Form - ✔✔-all risk coverage, is the best
-includes theft coverage
✔✔Is rebating legal in Georgia? - ✔✔No- it is illegal in GA
✔✔Does dwelling policy cover theft? - ✔✔it requires an endorsement to cover theft
✔✔Does the Homeowners policy cover theft? - ✔✔Yes- does NOT require an
endorsement to do so
✔✔If there is a loss (like in a house fire) and the insured removes some contents (like a
tv) and relocates them (to neighbors house), the insurance company will cover these
contents at new location (neighbors) for how long? - ✔✔up to 30 days
✔✔Do dwelling policies cover the cost of debris removal? - ✔✔Yes, they all cover cost
of debris removal, but ONLY if that debris resulted from a covered loss
✔✔Which dwelling policies will cover collapse of a building? - ✔✔DP-2 and DP-3
✔✔Do dwelling policies include liability coverage? - ✔✔no
✔✔How much will Fire Department Policy reimburse for charges? - ✔✔up to $500
✔✔Is the Homeowners Policy a package policy? - ✔✔Yes- it includes property
coverages and liability coverages
✔✔Is the Homeowners Policy or Dwelling Policy better? - ✔✔Homeowners, b/c it is
more efficient and has fewer gaps in coverage
✔✔To qualify for Homeowners Policy: - ✔✔house must be owner-occupied, can contain
up to 4 family units
✔✔If you get the endorsement for motor home coverage on the Homeowners Policy, it
covers collision damage for moving home, and transportation costs up to: - ✔✔$500
QUESTIONS AND ANSWERS SURE A+
✔✔DP-1 Basic Dwelling policy includes everything except Coverage _____ -
✔✔Coverage E
✔✔which coverages do DP-2 and DP-3 Dwelling policies include? - ✔✔All of them
✔✔Insuring Agreement Section - ✔✔identifies the losses you have coverage for
✔✔How many years of experience must you have to qualify to be Counselor? - ✔✔5
years experience (and take exam)
✔✔Are stolen items covered under burglary damage? - ✔✔No. Burglary policy only
covers the actual house, NOT its contents
✔✔Flooding - ✔✔caused by acts of nature ONLY (would NOT include any plumbing
issues)
✔✔What would be covered if plumbing burst from old age? - ✔✔the water damage only;
not the plumbing expenses b/c they were gradual and expected
, ✔✔What would be covered if plumbing burst from a mechanical defect? - ✔✔The water
damage only; the mechanical would be covered under separate warranty
✔✔What would be covered if there was freeze damage to plumbing? - ✔✔would cover
everything (water damage and plumbing) b/c was sudden/unexpected
✔✔What is the best dwelling DP form? - ✔✔DP-3 Special
✔✔DP-3 Special Dwelling Form - ✔✔-all risk coverage, is the best
-includes theft coverage
✔✔Is rebating legal in Georgia? - ✔✔No- it is illegal in GA
✔✔Does dwelling policy cover theft? - ✔✔it requires an endorsement to cover theft
✔✔Does the Homeowners policy cover theft? - ✔✔Yes- does NOT require an
endorsement to do so
✔✔If there is a loss (like in a house fire) and the insured removes some contents (like a
tv) and relocates them (to neighbors house), the insurance company will cover these
contents at new location (neighbors) for how long? - ✔✔up to 30 days
✔✔Do dwelling policies cover the cost of debris removal? - ✔✔Yes, they all cover cost
of debris removal, but ONLY if that debris resulted from a covered loss
✔✔Which dwelling policies will cover collapse of a building? - ✔✔DP-2 and DP-3
✔✔Do dwelling policies include liability coverage? - ✔✔no
✔✔How much will Fire Department Policy reimburse for charges? - ✔✔up to $500
✔✔Is the Homeowners Policy a package policy? - ✔✔Yes- it includes property
coverages and liability coverages
✔✔Is the Homeowners Policy or Dwelling Policy better? - ✔✔Homeowners, b/c it is
more efficient and has fewer gaps in coverage
✔✔To qualify for Homeowners Policy: - ✔✔house must be owner-occupied, can contain
up to 4 family units
✔✔If you get the endorsement for motor home coverage on the Homeowners Policy, it
covers collision damage for moving home, and transportation costs up to: - ✔✔$500
