1 | P a g e | © copyright 2024/2025 | Grade A+
insurance adjusting Questions and
Answers (100% Pass)
10% removal squares by 1.10
✓ Gable roofs have what waste factor so multiply what by what?
15% removal squares by 1.15
✓ Hip roofs have what waste factor so multiply what by what?
.33, .67, or whole number
✓ Always round composition and laminate shingle replacement to?
.25, .50, .75, or whole number
✓ Always round wood shingle replacement to?
Up- eave to ridge + eave to ridge
Over- length of ridge
✓ Gable roof square footage calculated by up and over explain?
Up- eave to ridge + eave to ridge
Master01 | October, 2024/2025 | Latest update
, 1 | P a g e | © copyright 2024/2025 | Grade A+
Over- end of eave to end of eave
✓ Hip roof square footage calculated by up and over explain?
walls, walls and ceiling, floor, perimeter ceiling, half ceiling, ceiling,
perimeter, perimeter floor, square, half wall
✓ What do these codes mean in Xactimate ( W, WC, F, PC, .5C, C, P, PF,
SQ, .5W)?
remove, replace, remove and replace, detach and reset, standard grade,
average grade, high grade, premium grade)
✓ What do these codes mean in Xactimate ( -, +, &, R, AV-, AV, AV+,
AV++)?
living area sq footage multiplied by current construction cost in area
✓ How do you determine replacement cost of a home?
length x height
✓ Area of a wall?
length x width
Master01 | October, 2024/2025 | Latest update
, 1 | P a g e | © copyright 2024/2025 | Grade A+
✓ Area of ceiling?
length x width
✓ Area of floor?
divide the inch by 12
✓ How do you convert inches to a decimal?
Additional Living Expenses (ALE)
✓ Over and above normal expenses (i.e. hotel stay)
Coverage A Limit of Liability
✓ If you have a percentage deductible where is that percentage always
taken from?
Structure or Dwelling
✓ What does Coverage A mean?
Personal property or contents
Master01 | October, 2024/2025 | Latest update
, 1 | P a g e | © copyright 2024/2025 | Grade A+
✓ What does Coverage B mean?
Limit of Liablity
✓ Maximum amount of coverage available
if removal of item will diminish value of home
✓ How do you tell the difference between structure and contents?
Determine deductible, determine where loss occurred, do calculations
✓ 3 steps to handle content claim
Absorbing the Deductible
✓ Applying the excess of a limit from a covered loss towards the
deductible
loss of use
✓ Do not absorb any excess that does not have a deductible like?
Item description, cost, adjusted column, excess, deductible
Master01 | October, 2024/2025 | Latest update
insurance adjusting Questions and
Answers (100% Pass)
10% removal squares by 1.10
✓ Gable roofs have what waste factor so multiply what by what?
15% removal squares by 1.15
✓ Hip roofs have what waste factor so multiply what by what?
.33, .67, or whole number
✓ Always round composition and laminate shingle replacement to?
.25, .50, .75, or whole number
✓ Always round wood shingle replacement to?
Up- eave to ridge + eave to ridge
Over- length of ridge
✓ Gable roof square footage calculated by up and over explain?
Up- eave to ridge + eave to ridge
Master01 | October, 2024/2025 | Latest update
, 1 | P a g e | © copyright 2024/2025 | Grade A+
Over- end of eave to end of eave
✓ Hip roof square footage calculated by up and over explain?
walls, walls and ceiling, floor, perimeter ceiling, half ceiling, ceiling,
perimeter, perimeter floor, square, half wall
✓ What do these codes mean in Xactimate ( W, WC, F, PC, .5C, C, P, PF,
SQ, .5W)?
remove, replace, remove and replace, detach and reset, standard grade,
average grade, high grade, premium grade)
✓ What do these codes mean in Xactimate ( -, +, &, R, AV-, AV, AV+,
AV++)?
living area sq footage multiplied by current construction cost in area
✓ How do you determine replacement cost of a home?
length x height
✓ Area of a wall?
length x width
Master01 | October, 2024/2025 | Latest update
, 1 | P a g e | © copyright 2024/2025 | Grade A+
✓ Area of ceiling?
length x width
✓ Area of floor?
divide the inch by 12
✓ How do you convert inches to a decimal?
Additional Living Expenses (ALE)
✓ Over and above normal expenses (i.e. hotel stay)
Coverage A Limit of Liability
✓ If you have a percentage deductible where is that percentage always
taken from?
Structure or Dwelling
✓ What does Coverage A mean?
Personal property or contents
Master01 | October, 2024/2025 | Latest update
, 1 | P a g e | © copyright 2024/2025 | Grade A+
✓ What does Coverage B mean?
Limit of Liablity
✓ Maximum amount of coverage available
if removal of item will diminish value of home
✓ How do you tell the difference between structure and contents?
Determine deductible, determine where loss occurred, do calculations
✓ 3 steps to handle content claim
Absorbing the Deductible
✓ Applying the excess of a limit from a covered loss towards the
deductible
loss of use
✓ Do not absorb any excess that does not have a deductible like?
Item description, cost, adjusted column, excess, deductible
Master01 | October, 2024/2025 | Latest update
