RMIN 5100S COMPREHENSIVE EXAM 2026 QUESTIONS
AND ANSWERS RATED A+
✔✔covered perils in basic and broad forms - aircraft or vehicles - ✔✔physical damage
resulting from contact with a vehicles, aircraft, spacecraft, self-propelled missile, or
object thrown up by a vehicle, no coverage if the vehicle is owned by the insured, no
coverage for the vehicle, aircraft, etc
✔✔covered perils in basic and broad forms - riot or civil commotion - ✔✔most states
define riot as a violent public disturbance by 3+ persons, includes acts of striking
employees and looting
✔✔covered perils in basic and broad forms - vandalism - ✔✔damage must be "willful
and malicious", no coverage for theft, except for the building damage caused by
burglars when breaking in or exiting
✔✔covered perils in basic and broad forms - sprinkler leakage - ✔✔damages resulting
from leakage or discharge from automatic sprinkler system, includes cost to tear out
and replace any part of building to repair sprinklers
✔✔covered perils in basic and broad forms - sinkhole collapse - ✔✔damage caused by
sinking or collapse of land into underground spaces caused by water on limestone or
dolomite, does not cover the cost of filling the sinkhole
✔✔covered perils in basic and broad forms - volcanic action - ✔✔damage resulting from
the eruption of a volcano when damage caused by airborne volcanic blast, airborne
shock waves, ash, dust particulate matter, or lava flow, all eruptions within a 168-hour
period are considered one occurrence, does not cover earthquake damage that often
accompanies volcanic eruptions
✔✔covered perils in broad form (but NOT basic) - ✔✔falling objects
weight of snow, ice, or sleet
water damage
tree limb falls on building, is it covered by basic form? No
✔✔covered perils in broad form (but NOT basic) - falling objects - ✔✔for coverage to
apply, the outside of the building must be damaged first by the falling object, no
coverage for personal property outside the building
✔✔covered perils in broad form (but NOT basic) - weight of snow, ice, or sleet -
✔✔covers damage to building or personal property inside the building, no coverage for
personal property outside or damage to lawns, trees, shrubs, and plants
,✔✔covered perils in broad form (but NOT basic) - water damage - ✔✔covers damage
resulting from accidental leakage of water or steam from plumbing or appliance,
coverage for interior causes of damage not exterior includes cost to tear out and replace
any part of building in order to repair fixture water escaped from (but no coverage for
fixture/pipe itself), no coverage for water damage due to flooding, rainfall, sewer
backup, etc
✔✔concurrent causation doctrine - ✔✔if 2+ perils contribute to a loss concurrently and
one of the causes of loss is covered, then entire loss is covered by the policy (ex:
hurricane with covered wind and uncovered external water)
✔✔anti-concurrent causation language - ✔✔Courts interpret policy language based on
the concurrent causation doctrine
However, there are some perils insurance companies do NOT want to pay for
regardless of whether the occur independently or concurrently
As a result, insurance companies have developed anti-concurrent causation language
Anti-concurrent causation language applies to 8 perils within the Cause of Loss forms
✔✔excluded perils subject to anti-concurrent causation (all COL forms) (8) - ✔✔1.
ordinance or law
2. earth movement
3. governmental action
4. nuclear hazard
5. utility service
6. war and military action
7. water
8. "fungus", wet rot, dry rot, and bacteria
✔✔Excluded perils subject to anti-concurrent causation - ordinance or law -
✔✔excludes coverage for costs required to comply building ordinances & laws, some
coverage is given back in the Additional Coverage for Increased Cost of Construction (if
building is half burnt from fire, then policy covers the burnt part but not the unburnt part
if it needs to be demolished as well)
✔✔Excluded perils subject to anti-concurrent causation - earth movement - ✔✔excludes
coverage for earthquake, landslide, earth sinking, excludes volcanic eruption (but
volcanic action is a Covered Peril) -> volcanic lava and ash covered, not earth shaking
✔✔Excluded perils subject to anti-concurrent causation - governmental action -
✔✔excludes seizure or destruction of property by governmental authority, exception: if
, damage results from acts of destruction ordered by government to prevent the spread of
fire, the resulting damage would be covered
✔✔Excluded perils subject to anti-concurrent causation - nuclear hazard - ✔✔excludes
coverage for nuclear reaction, radiation, and contamination, exception: fire resulting
from nuclear reaction is covered
✔✔Excluded perils subject to anti-concurrent causation - utility service - ✔✔excludes
coverage for the failure of power, communication, water, or other utility service if the
failure originates off premises, limited coverage if utility failure occurs on premises
✔✔Excluded perils subject to anti-concurrent causation - war and military action -
✔✔excludes coverage for war, revolution, insurrection, or similar actions, current
interpretation is that this exclusion does NOT apply to terrorist attacks
✔✔Excluded perils subject to anti-concurrent causation - water - ✔✔excludes flood,
surface water, waves/tides, storm surge, mudslide, water back-up, seepage, exclusion
does not apply to fire, explosion, or sprinkler leakage caused by any of the above
✔✔Excluded perils subject to anti-concurrent causation - "Fungus", wet rot, dry rot and
bacteria - ✔✔excludes presence, growth, proliferation, or spread of "fungus", wet/dry
rot, or bacteria, exception: fungus, rot, bacteria resulting from fire or lightning, limited
coverage is given back in the Additional Coverages section of the Cause of Loss forms
✔✔other exclusions in basic and broad forms - ✔✔These exclusions are not subject to
the anti-concurrent causation language: artificially generated electrical current,
explosion of steam boilers, mechanical breakdown, neglect
There are a few other exclusions that apply to other coverage forms (business income,
leasehold interest, legal liability)
✔✔additional coverages - ✔✔limited coverage for "fungus", wet rot, dry rot and bacteria
collapse
✔✔additional coverages - limited coverage for "fungus", wet rot, dry rot and bacteria -
✔✔included in basic, broad, and special COL forms, provides $15,000 in aggregate
coverage during the policy period for fungus, rot, or bacteria resulting from a covered
COL (other than fire or lightning)
✔✔additional coverages - collapse - ✔✔included in broad and special COL forms only
(not basic), covers abrupt collapse if caused by:
Covered COL
Hidden decay (unless decay is known by insured)
AND ANSWERS RATED A+
✔✔covered perils in basic and broad forms - aircraft or vehicles - ✔✔physical damage
resulting from contact with a vehicles, aircraft, spacecraft, self-propelled missile, or
object thrown up by a vehicle, no coverage if the vehicle is owned by the insured, no
coverage for the vehicle, aircraft, etc
✔✔covered perils in basic and broad forms - riot or civil commotion - ✔✔most states
define riot as a violent public disturbance by 3+ persons, includes acts of striking
employees and looting
✔✔covered perils in basic and broad forms - vandalism - ✔✔damage must be "willful
and malicious", no coverage for theft, except for the building damage caused by
burglars when breaking in or exiting
✔✔covered perils in basic and broad forms - sprinkler leakage - ✔✔damages resulting
from leakage or discharge from automatic sprinkler system, includes cost to tear out
and replace any part of building to repair sprinklers
✔✔covered perils in basic and broad forms - sinkhole collapse - ✔✔damage caused by
sinking or collapse of land into underground spaces caused by water on limestone or
dolomite, does not cover the cost of filling the sinkhole
✔✔covered perils in basic and broad forms - volcanic action - ✔✔damage resulting from
the eruption of a volcano when damage caused by airborne volcanic blast, airborne
shock waves, ash, dust particulate matter, or lava flow, all eruptions within a 168-hour
period are considered one occurrence, does not cover earthquake damage that often
accompanies volcanic eruptions
✔✔covered perils in broad form (but NOT basic) - ✔✔falling objects
weight of snow, ice, or sleet
water damage
tree limb falls on building, is it covered by basic form? No
✔✔covered perils in broad form (but NOT basic) - falling objects - ✔✔for coverage to
apply, the outside of the building must be damaged first by the falling object, no
coverage for personal property outside the building
✔✔covered perils in broad form (but NOT basic) - weight of snow, ice, or sleet -
✔✔covers damage to building or personal property inside the building, no coverage for
personal property outside or damage to lawns, trees, shrubs, and plants
,✔✔covered perils in broad form (but NOT basic) - water damage - ✔✔covers damage
resulting from accidental leakage of water or steam from plumbing or appliance,
coverage for interior causes of damage not exterior includes cost to tear out and replace
any part of building in order to repair fixture water escaped from (but no coverage for
fixture/pipe itself), no coverage for water damage due to flooding, rainfall, sewer
backup, etc
✔✔concurrent causation doctrine - ✔✔if 2+ perils contribute to a loss concurrently and
one of the causes of loss is covered, then entire loss is covered by the policy (ex:
hurricane with covered wind and uncovered external water)
✔✔anti-concurrent causation language - ✔✔Courts interpret policy language based on
the concurrent causation doctrine
However, there are some perils insurance companies do NOT want to pay for
regardless of whether the occur independently or concurrently
As a result, insurance companies have developed anti-concurrent causation language
Anti-concurrent causation language applies to 8 perils within the Cause of Loss forms
✔✔excluded perils subject to anti-concurrent causation (all COL forms) (8) - ✔✔1.
ordinance or law
2. earth movement
3. governmental action
4. nuclear hazard
5. utility service
6. war and military action
7. water
8. "fungus", wet rot, dry rot, and bacteria
✔✔Excluded perils subject to anti-concurrent causation - ordinance or law -
✔✔excludes coverage for costs required to comply building ordinances & laws, some
coverage is given back in the Additional Coverage for Increased Cost of Construction (if
building is half burnt from fire, then policy covers the burnt part but not the unburnt part
if it needs to be demolished as well)
✔✔Excluded perils subject to anti-concurrent causation - earth movement - ✔✔excludes
coverage for earthquake, landslide, earth sinking, excludes volcanic eruption (but
volcanic action is a Covered Peril) -> volcanic lava and ash covered, not earth shaking
✔✔Excluded perils subject to anti-concurrent causation - governmental action -
✔✔excludes seizure or destruction of property by governmental authority, exception: if
, damage results from acts of destruction ordered by government to prevent the spread of
fire, the resulting damage would be covered
✔✔Excluded perils subject to anti-concurrent causation - nuclear hazard - ✔✔excludes
coverage for nuclear reaction, radiation, and contamination, exception: fire resulting
from nuclear reaction is covered
✔✔Excluded perils subject to anti-concurrent causation - utility service - ✔✔excludes
coverage for the failure of power, communication, water, or other utility service if the
failure originates off premises, limited coverage if utility failure occurs on premises
✔✔Excluded perils subject to anti-concurrent causation - war and military action -
✔✔excludes coverage for war, revolution, insurrection, or similar actions, current
interpretation is that this exclusion does NOT apply to terrorist attacks
✔✔Excluded perils subject to anti-concurrent causation - water - ✔✔excludes flood,
surface water, waves/tides, storm surge, mudslide, water back-up, seepage, exclusion
does not apply to fire, explosion, or sprinkler leakage caused by any of the above
✔✔Excluded perils subject to anti-concurrent causation - "Fungus", wet rot, dry rot and
bacteria - ✔✔excludes presence, growth, proliferation, or spread of "fungus", wet/dry
rot, or bacteria, exception: fungus, rot, bacteria resulting from fire or lightning, limited
coverage is given back in the Additional Coverages section of the Cause of Loss forms
✔✔other exclusions in basic and broad forms - ✔✔These exclusions are not subject to
the anti-concurrent causation language: artificially generated electrical current,
explosion of steam boilers, mechanical breakdown, neglect
There are a few other exclusions that apply to other coverage forms (business income,
leasehold interest, legal liability)
✔✔additional coverages - ✔✔limited coverage for "fungus", wet rot, dry rot and bacteria
collapse
✔✔additional coverages - limited coverage for "fungus", wet rot, dry rot and bacteria -
✔✔included in basic, broad, and special COL forms, provides $15,000 in aggregate
coverage during the policy period for fungus, rot, or bacteria resulting from a covered
COL (other than fire or lightning)
✔✔additional coverages - collapse - ✔✔included in broad and special COL forms only
(not basic), covers abrupt collapse if caused by:
Covered COL
Hidden decay (unless decay is known by insured)
