1|Page
OKLAHOMA ADJUSTER EXAM
2|COMPREHENSIVE Q&A 2026
What is an example of a personal injury? - correct-answer - a business owner
makes false statements about his competition all over social media
In general, liability policies do NOT cover damages caused to - correct-answer -
the insured
split limit, single limit and per person limits in a liability policy apply per - correct-
answer - occurrence
payments that are made in addition to the policy's regular limit of liability are
known as - correct-answer - supplementary payments
,2|Page
when the payment of a claim does not reduce the amount available to pay future
occurrences this is known as - correct-answer - restoration of limits
What is a common liability policy exclusion? - correct-answer - Losses covered
under Workers' compensation
What would not be covered under a dwelling policy? - correct-answer - a
motorcycle, a pet, or a boat
Dwelling policies are considered monoline policies because? - correct-answer -
they only insure property and do not automatically contain liability insurance
_____ is not eligible for a dwelling policy - correct-answer - Farm
,3|Page
Coverage B in a dwelling policy provides coverage for - correct-answer - other
structures
How much will a dwelling (DP2 and DP3) policy pay for trees, shrubs, and other
plants? - correct-answer - $500 for any one tree, shrub or plant
How much will a DP1 policy pay for trees, shrubs and other plants - correct-
answer - $0
In DP-1, property removed to protect it from a basic peril is covered for 5 days. In
DP-2 and DP3, property removed is protected for - correct-answer - 30 days
, 4|Page
Regarding other coverages under the Basic From (DP1) what percent of Coverage
A limit is paid for rental value? - correct-answer - 20%
After a blizzard, the roof of the insured's home collapsed due to the weight of
snow. This would be covered under which form? - correct-answer - DP2
Water - correct-answer - Is not automatically covered under a DP1
Which form provides open peril coverage on the dwelling and other structures,
insuring against risks of direct physical loss that are not specifically excluded in
the policy? - correct-answer - Special form
The policy minimum limit for Coverage L - personal liability is? - correct-answer -
100,000
OKLAHOMA ADJUSTER EXAM
2|COMPREHENSIVE Q&A 2026
What is an example of a personal injury? - correct-answer - a business owner
makes false statements about his competition all over social media
In general, liability policies do NOT cover damages caused to - correct-answer -
the insured
split limit, single limit and per person limits in a liability policy apply per - correct-
answer - occurrence
payments that are made in addition to the policy's regular limit of liability are
known as - correct-answer - supplementary payments
,2|Page
when the payment of a claim does not reduce the amount available to pay future
occurrences this is known as - correct-answer - restoration of limits
What is a common liability policy exclusion? - correct-answer - Losses covered
under Workers' compensation
What would not be covered under a dwelling policy? - correct-answer - a
motorcycle, a pet, or a boat
Dwelling policies are considered monoline policies because? - correct-answer -
they only insure property and do not automatically contain liability insurance
_____ is not eligible for a dwelling policy - correct-answer - Farm
,3|Page
Coverage B in a dwelling policy provides coverage for - correct-answer - other
structures
How much will a dwelling (DP2 and DP3) policy pay for trees, shrubs, and other
plants? - correct-answer - $500 for any one tree, shrub or plant
How much will a DP1 policy pay for trees, shrubs and other plants - correct-
answer - $0
In DP-1, property removed to protect it from a basic peril is covered for 5 days. In
DP-2 and DP3, property removed is protected for - correct-answer - 30 days
, 4|Page
Regarding other coverages under the Basic From (DP1) what percent of Coverage
A limit is paid for rental value? - correct-answer - 20%
After a blizzard, the roof of the insured's home collapsed due to the weight of
snow. This would be covered under which form? - correct-answer - DP2
Water - correct-answer - Is not automatically covered under a DP1
Which form provides open peril coverage on the dwelling and other structures,
insuring against risks of direct physical loss that are not specifically excluded in
the policy? - correct-answer - Special form
The policy minimum limit for Coverage L - personal liability is? - correct-answer -
100,000
