STATE FARM
ESTIMATICS EXAM
Actual Questions and Answers
Expert-Verified Explanation
This Exam contains:
❖ Guarantee passing score
❖ Questions and Answers
❖ format set of multiple-choice
❖ Expert-Verified Explanation
❖ Verified with trusted textbooks
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1) The formula for determining the area of a circle is:
Correct formula: πr²
Expert-Verified Explanation:
The area of a circle is measured by multiplying the mathematical constant π
(approximately 3.14159) by the square of the radius (r). This classic area formula is often
relevant in measurement or damage calculations when circular features (like round
windows or curved roofing components) are involved.
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2) Under an FP-7955 policy, deductibles apply to which of the following types of losses?
A. Unspecified
B. Fire department service charges
C. Unspecified
D. Unspecified
Answer: B
Expert-Verified Explanation:
Under the FP-7955 homeowners policy, the deductible is the amount the insured must
pay before the policy’s coverage begins paying for certain covered losses. Fire
department service charges, when a covered peril triggers a fire response, typically
count as part of a covered claim and are subject to the policy’s deductible. This ensures
that the deductible is always applied first, reducing the insurer’s payout by the agreed-
upon deductible amount.
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3) The formula for determining the area of a trapezoid is:
A. (base1 x base2) / height
B. base1 + base2 + 2(height)
C. 2 x (base1 + base2) x height
D. [(base1 + base2) / 2] x height
Answer: D
Expert-Verified Explanation:
To calculate the area of a trapezoid, you take the average of the two parallel sides
(base1 + base2, divided by 2) and multiply by the height. This formula is standard
geometry and is critical for adjusters or contractors who measure irregularly shaped
areas during a property loss inspection.
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─
4) The formula for determining the area of a triangle is:
A. base x height
B. 1/2 x base x height
C. base + height
D. base x height x 2
Answer: B (½ base × height)
Expert-Verified Explanation:
In elementary geometry, the area of a triangle is computed by taking one-half of the
product of the base length and the height. This concept helps with roof measurements
and other scenarios where triangular sections must be measured and replaced under an
insurance claim.
5) In the FP-7955 policy, Coverage C consists of three coverages: (1) Additional Living
Expense, (2) Fair Rental Value, and (3) Property Removed. True or False?
A. True
B. False
Answer: B (False)
Expert-Verified Explanation:
While Coverage C (Personal Property) in many homeowners policies does include
certain additional coverages or extensions, it is typically distinct from Additional Living
Expense (ALE) and Fair Rental Value, which often appear under Coverage D (Loss of
Use). “Property Removed” may be offered as an additional coverage provision.
Therefore, the statement that Coverage C “consists” specifically of those three coverages
is inaccurate under the FP-7955 policy.
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─
6) Jennifer Marco has a FP-7955 policy with Coverage B limit of $75,000, a $500
deductible, and no Option AI, ID, FA, or JF. Which of the following statements is true
concerning her personal property?
A. Coverage for personal property is excluded unless specifically endorsed.
B. Coverage for personal property excludes wind loss.
C. Coverage only applies on a named-peril basis for the dwelling.
D. Coverage for personal property applies for perils listed under Section I - Losses
Insured, Coverage B - Personal Property and Section I - Additional Coverages.
Answer: D
Expert-Verified Explanation:
Under a standard homeowners form like the FP-7955, Coverage B (Personal Property)
typically insures the insured’s belongings against the stated (named) perils in Section I.
Without special endorsements (like AI, ID, FA, JF), one relies on the basic built-in perils
of the policy. In this scenario, personal property is covered for those named perils and
also may benefit from certain additional coverages specified in the policy.
───────────────────────────────────────────────────────
─
7) The steps in applying the deductible on a FP-7955 homeowners policy are:
1. Apply the deductible to the covered loss.
2. Any coverage or special limits are then applied.
3. The amount payable is the greater of the amounts arrived at in steps 1 and 2. True
or False?
A. True
B. False
Answer: A (True)
Expert-Verified Explanation:
This methodology clarifies how the insurer settles a loss once a deductible is involved.
First, the insurer calculates the damage, then subtracts the deductible. Coverage
,limitations (or special limits) are evaluated to see if they cap or reduce the claim further.
If applying the coverage limits yields a higher payable amount than strictly subtracting
the deductible, the policy typically pays the higher figure—provided it does not exceed
policy limits.
───────────────────────────────────────────────────────
─
8) The definition of an insured includes all of the following except:
A. You, the policyholder
B. Spouse
C. Resident relatives
D. Persons under 21 in the care of the insured
Answer: B (Spouse) – in the context provided
Expert-Verified Explanation:
Many homeowner policies automatically include the named insured, household
residents related to the named insured, and minors in the insured’s care. However, in the
context of the provided question/answer pair, “spouse” is listed as the exception. (In
many real policies, a resident spouse is indeed included, yet the question’s official
answer suggests that for this specific scenario, “spouse” does not meet the definition
under the particular coverage wording or the question is highlighting a scenario in
which the spouse might not be included if not residing in the household.)
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─
9) Composition shingles can be purchased in bundles which could be 1/3 square or 1/4
square. True or False?
A. True
B. False
Answer: A (True)
Expert-Verified Explanation:
, Composition shingles often come in pre-packaged bundles for ease of handling and
transportation. Each bundle covers a fraction of a standard roofing square (100 square
feet). Commonly, each bundle is labeled as covering either 1/3 or 1/4 of a square,
meaning roofers must purchase multiple bundles to cover each 100 square feet of the
roof surface.
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─
───────────────────────────────────────────────────────
─
10) Blanket insulation is an uncut roll of insulation cut to length at the job site. It is used
in walls and attics and may or may not have a backing material. True or False?
A. True
B. False
Answer: A (True)
Expert-Verified Explanation:
Blanket insulation comes in large rolls and can be customized by the installer, fitting
the required space. The backing material can be a vapor or moisture barrier, but some
blanket rolls are unfaced. This is standard within construction and relevant for insurance
claims involving insulation replacement.
───────────────────────────────────────────────────────
─
11) All of the following statements are true except (select the false statement):
A. Composition shingles are made of fiberglass or asphalt-saturated roofing material
embedded with mineral granules
B. Wood roofing is generally divided into two categories: wood shingles and wood
shakes
C. Composition shingle weights range from 120 lb. to 480 lb. per square
D. Rigid roofing materials include clay, concrete, metal, and slate
, Answer: C (Composition shingle weights range from 120 lb. to 480 lb. per square) –
identified as false
Expert-Verified Explanation:
Composition shingles do come in a range of weights, but 480 lb. per square is
unusually high and generally beyond standard packaging and transport limitations. The
typical weight range is more moderate (commonly in the 180–360 lb. range per square).
Therefore, the statement listing “120 lb. to 480 lb.” as the normal range is flagged as the
incorrect/false statement.
───────────────────────────────────────────────────────
─
12) Which of the following components is not part of a roof truss?
A. Top chord
B. Bird’s mouth
C. Bottom chord
D. Web (or diagonal)
Answer: B (Bird’s mouth)
Expert-Verified Explanation:
A bird’s mouth cut is a notch typically made in a rafter (in a traditional rafter-and-joist
roof), not in a truss. Roof truss systems are pre-engineered with top chords, bottom
chords, and internal webs—no need for a bird’s mouth. Consequently, “bird’s mouth”
belongs to standard rafter framing, not a manufactured truss.
───────────────────────────────────────────────────────
─
13) Joe Smith has an FP-7955 policy. He is a carpenter and has collected 100 2"x4" studs
and 30 2"x6" rafters from various job sites. Joe has no specific plans to use the lumber.
The lumber is covered under Coverage A. True or False?
A. True
B. False
Answer: B (False)
ESTIMATICS EXAM
Actual Questions and Answers
Expert-Verified Explanation
This Exam contains:
❖ Guarantee passing score
❖ Questions and Answers
❖ format set of multiple-choice
❖ Expert-Verified Explanation
❖ Verified with trusted textbooks
,───────────────────────────────────────────────────────
─
1) The formula for determining the area of a circle is:
Correct formula: πr²
Expert-Verified Explanation:
The area of a circle is measured by multiplying the mathematical constant π
(approximately 3.14159) by the square of the radius (r). This classic area formula is often
relevant in measurement or damage calculations when circular features (like round
windows or curved roofing components) are involved.
,───────────────────────────────────────────────────────
─
2) Under an FP-7955 policy, deductibles apply to which of the following types of losses?
A. Unspecified
B. Fire department service charges
C. Unspecified
D. Unspecified
Answer: B
Expert-Verified Explanation:
Under the FP-7955 homeowners policy, the deductible is the amount the insured must
pay before the policy’s coverage begins paying for certain covered losses. Fire
department service charges, when a covered peril triggers a fire response, typically
count as part of a covered claim and are subject to the policy’s deductible. This ensures
that the deductible is always applied first, reducing the insurer’s payout by the agreed-
upon deductible amount.
───────────────────────────────────────────────────────
─
3) The formula for determining the area of a trapezoid is:
A. (base1 x base2) / height
B. base1 + base2 + 2(height)
C. 2 x (base1 + base2) x height
D. [(base1 + base2) / 2] x height
Answer: D
Expert-Verified Explanation:
To calculate the area of a trapezoid, you take the average of the two parallel sides
(base1 + base2, divided by 2) and multiply by the height. This formula is standard
geometry and is critical for adjusters or contractors who measure irregularly shaped
areas during a property loss inspection.
,───────────────────────────────────────────────────────
─
4) The formula for determining the area of a triangle is:
A. base x height
B. 1/2 x base x height
C. base + height
D. base x height x 2
Answer: B (½ base × height)
Expert-Verified Explanation:
In elementary geometry, the area of a triangle is computed by taking one-half of the
product of the base length and the height. This concept helps with roof measurements
and other scenarios where triangular sections must be measured and replaced under an
insurance claim.
5) In the FP-7955 policy, Coverage C consists of three coverages: (1) Additional Living
Expense, (2) Fair Rental Value, and (3) Property Removed. True or False?
A. True
B. False
Answer: B (False)
Expert-Verified Explanation:
While Coverage C (Personal Property) in many homeowners policies does include
certain additional coverages or extensions, it is typically distinct from Additional Living
Expense (ALE) and Fair Rental Value, which often appear under Coverage D (Loss of
Use). “Property Removed” may be offered as an additional coverage provision.
Therefore, the statement that Coverage C “consists” specifically of those three coverages
is inaccurate under the FP-7955 policy.
,───────────────────────────────────────────────────────
─
6) Jennifer Marco has a FP-7955 policy with Coverage B limit of $75,000, a $500
deductible, and no Option AI, ID, FA, or JF. Which of the following statements is true
concerning her personal property?
A. Coverage for personal property is excluded unless specifically endorsed.
B. Coverage for personal property excludes wind loss.
C. Coverage only applies on a named-peril basis for the dwelling.
D. Coverage for personal property applies for perils listed under Section I - Losses
Insured, Coverage B - Personal Property and Section I - Additional Coverages.
Answer: D
Expert-Verified Explanation:
Under a standard homeowners form like the FP-7955, Coverage B (Personal Property)
typically insures the insured’s belongings against the stated (named) perils in Section I.
Without special endorsements (like AI, ID, FA, JF), one relies on the basic built-in perils
of the policy. In this scenario, personal property is covered for those named perils and
also may benefit from certain additional coverages specified in the policy.
───────────────────────────────────────────────────────
─
7) The steps in applying the deductible on a FP-7955 homeowners policy are:
1. Apply the deductible to the covered loss.
2. Any coverage or special limits are then applied.
3. The amount payable is the greater of the amounts arrived at in steps 1 and 2. True
or False?
A. True
B. False
Answer: A (True)
Expert-Verified Explanation:
This methodology clarifies how the insurer settles a loss once a deductible is involved.
First, the insurer calculates the damage, then subtracts the deductible. Coverage
,limitations (or special limits) are evaluated to see if they cap or reduce the claim further.
If applying the coverage limits yields a higher payable amount than strictly subtracting
the deductible, the policy typically pays the higher figure—provided it does not exceed
policy limits.
───────────────────────────────────────────────────────
─
8) The definition of an insured includes all of the following except:
A. You, the policyholder
B. Spouse
C. Resident relatives
D. Persons under 21 in the care of the insured
Answer: B (Spouse) – in the context provided
Expert-Verified Explanation:
Many homeowner policies automatically include the named insured, household
residents related to the named insured, and minors in the insured’s care. However, in the
context of the provided question/answer pair, “spouse” is listed as the exception. (In
many real policies, a resident spouse is indeed included, yet the question’s official
answer suggests that for this specific scenario, “spouse” does not meet the definition
under the particular coverage wording or the question is highlighting a scenario in
which the spouse might not be included if not residing in the household.)
───────────────────────────────────────────────────────
─
9) Composition shingles can be purchased in bundles which could be 1/3 square or 1/4
square. True or False?
A. True
B. False
Answer: A (True)
Expert-Verified Explanation:
, Composition shingles often come in pre-packaged bundles for ease of handling and
transportation. Each bundle covers a fraction of a standard roofing square (100 square
feet). Commonly, each bundle is labeled as covering either 1/3 or 1/4 of a square,
meaning roofers must purchase multiple bundles to cover each 100 square feet of the
roof surface.
───────────────────────────────────────────────────────
─
───────────────────────────────────────────────────────
─
10) Blanket insulation is an uncut roll of insulation cut to length at the job site. It is used
in walls and attics and may or may not have a backing material. True or False?
A. True
B. False
Answer: A (True)
Expert-Verified Explanation:
Blanket insulation comes in large rolls and can be customized by the installer, fitting
the required space. The backing material can be a vapor or moisture barrier, but some
blanket rolls are unfaced. This is standard within construction and relevant for insurance
claims involving insulation replacement.
───────────────────────────────────────────────────────
─
11) All of the following statements are true except (select the false statement):
A. Composition shingles are made of fiberglass or asphalt-saturated roofing material
embedded with mineral granules
B. Wood roofing is generally divided into two categories: wood shingles and wood
shakes
C. Composition shingle weights range from 120 lb. to 480 lb. per square
D. Rigid roofing materials include clay, concrete, metal, and slate
, Answer: C (Composition shingle weights range from 120 lb. to 480 lb. per square) –
identified as false
Expert-Verified Explanation:
Composition shingles do come in a range of weights, but 480 lb. per square is
unusually high and generally beyond standard packaging and transport limitations. The
typical weight range is more moderate (commonly in the 180–360 lb. range per square).
Therefore, the statement listing “120 lb. to 480 lb.” as the normal range is flagged as the
incorrect/false statement.
───────────────────────────────────────────────────────
─
12) Which of the following components is not part of a roof truss?
A. Top chord
B. Bird’s mouth
C. Bottom chord
D. Web (or diagonal)
Answer: B (Bird’s mouth)
Expert-Verified Explanation:
A bird’s mouth cut is a notch typically made in a rafter (in a traditional rafter-and-joist
roof), not in a truss. Roof truss systems are pre-engineered with top chords, bottom
chords, and internal webs—no need for a bird’s mouth. Consequently, “bird’s mouth”
belongs to standard rafter framing, not a manufactured truss.
───────────────────────────────────────────────────────
─
13) Joe Smith has an FP-7955 policy. He is a carpenter and has collected 100 2"x4" studs
and 30 2"x6" rafters from various job sites. Joe has no specific plans to use the lumber.
The lumber is covered under Coverage A. True or False?
A. True
B. False
Answer: B (False)
