2/12/25, 2:27 PM GEORGIA CLAIMS ADJUSTER LICENSING EXAM 2025 GA CLAIMS ADJUSTER EXAM ALL 130 QUESTIONS AND CORRECT …
GEORGIA CLAIMS ADJUSTER LICENSING EXAM
2025 GA CLAIMS ADJUSTER EXAM ALL 130
QUESTIONS AND CORRECT ANSWERS
(VERIFIED ANSWERS) | LATEST VERSION
Save
Terms in this set (129)
What coverage does Flood insurance through FEMA
Community Eligibility
apply to?
What's the difference Emergency applies to homes in communities that are
between Emergency a normally not a flood hazard. Regular programs are
Program and Regular awarded to an entire community that is eligible due
Program in the National to flood hazard.
Flood Insurance
Program?
What is the flood $250,000
coverage on a regular
program in a 1-4 Family
Dwelling?
On what policy can you None! It has its own policy through the Federal
add the Flood Program Government.
endorsement?
https://quizlet.com/1005008666/georgia-claims-adjuster-licensing-exam-2025-ga-claims-adjuster-exam-all-130-questions-and-correct-answers-verifie… 1/19
,2/12/25, 2:27 PM GEORGIA CLAIMS ADJUSTER LICENSING EXAM 2025 GA CLAIMS ADJUSTER EXAM ALL 130 QUESTIONS AND CORRECT …
A separate insurance policy that provides open-
Difference in Conditions perils coverage to fill in the gaps left by flood
(DIC) Insurance coverage if a home is worth over $250K. Coverage is
produced through Excess/Surplus Lines.
What is the waiting 30 days after policy purchase
period on NFIP
coverage?
What is the coverage 5 days
change waiting period for
the NFIP?
- an overflow of inland or tidal waters
- unusual or rapid accumulation or runoff of surface
Give examples of the waters
flood peril -Mudflow or Mudslide
- Collapse of land along the shore of a lake as a
result of erosion
What kinds of things does Your house and your things (dwelling and personal
flood insurance cover? property). No indirect charges.
Structures not attached to dwelling (O.S. or
Dwelling coverage
Appurtenant structures). 10% of Dwelling limit. ***It is
extension for flood
an extension of coverage, NOT the $250K limit so
insurance covers what?
any coverage needed here will reduce the amount
How much is it?
able to go to the dwelling.
Personal property damaged or destroyed by the
Contents coverage of
flood itself and belongs to insured and resident
flood insurance is limited
spouse/relatives. The insured is liable for content of
to what?
others.
What are the coverages Dwelling, Contents, Debris Removal
of flood insurance?
How are damaged items Dwelling - replacement cost
valued in flood Contents - Actual Cash Value
coverage?
https://quizlet.com/1005008666/georgia-claims-adjuster-licensing-exam-2025-ga-claims-adjuster-exam-all-130-questions-and-correct-answers-verifie… 2/19
, 2/12/25, 2:27 PM GEORGIA CLAIMS ADJUSTER LICENSING EXAM 2025 GA CLAIMS ADJUSTER EXAM ALL 130 QUESTIONS AND CORRECT …
Basements and underground structure (ex. septic
What kind of property is
tanks), animals, money/accounts/bills, land, anything
not covered by flood
else covered by other policies (motor vehicles,
insurance?
aircraft, watercraft)
Loss Valuation on flood (amount of insurance purchased/80% Dwellings Total
insurance replacement cost) x Loss Amount
Standard deductible on $1K for Dwelling and $1K for Content
flood insurance
Personal Inland Marine Floaters or policies for world-wide coverage of
Insurance personal property on an open-peril basis.
Is flood excluded from NOPE. It's covered!
Personal Inland Marine
Insurance?
What are the floaters Personal Articles Floaters, Personal Property
available on Personal Floaters, and Personal Effects Floaters
Inland Marine Insurance?
What perils are covered all; open-peril
under Personal Inland
Marine Insurance
floaters?
Which PIMI floater would Personal Articles Floater - itemizes valuables such as
be appropriate for a jewelry and furs
diamond ring? Why?
world-wide open peril coverage of personal
What is a Personal Effects
property for people who are traveling - luggage,
Floater good for? What
sports equipment, clothes, and camera. NO
deductible does it have?
DEDUCTIBLE.
What is a Personal World-wide open peril coverage of personal
Property Floater good property - usually for special occasions like
for? What kind of limit do weddings or exhibitions. There is a blanket limit!
they have?
https://quizlet.com/1005008666/georgia-claims-adjuster-licensing-exam-2025-ga-claims-adjuster-exam-all-130-questions-and-correct-answers-verifie… 3/19
GEORGIA CLAIMS ADJUSTER LICENSING EXAM
2025 GA CLAIMS ADJUSTER EXAM ALL 130
QUESTIONS AND CORRECT ANSWERS
(VERIFIED ANSWERS) | LATEST VERSION
Save
Terms in this set (129)
What coverage does Flood insurance through FEMA
Community Eligibility
apply to?
What's the difference Emergency applies to homes in communities that are
between Emergency a normally not a flood hazard. Regular programs are
Program and Regular awarded to an entire community that is eligible due
Program in the National to flood hazard.
Flood Insurance
Program?
What is the flood $250,000
coverage on a regular
program in a 1-4 Family
Dwelling?
On what policy can you None! It has its own policy through the Federal
add the Flood Program Government.
endorsement?
https://quizlet.com/1005008666/georgia-claims-adjuster-licensing-exam-2025-ga-claims-adjuster-exam-all-130-questions-and-correct-answers-verifie… 1/19
,2/12/25, 2:27 PM GEORGIA CLAIMS ADJUSTER LICENSING EXAM 2025 GA CLAIMS ADJUSTER EXAM ALL 130 QUESTIONS AND CORRECT …
A separate insurance policy that provides open-
Difference in Conditions perils coverage to fill in the gaps left by flood
(DIC) Insurance coverage if a home is worth over $250K. Coverage is
produced through Excess/Surplus Lines.
What is the waiting 30 days after policy purchase
period on NFIP
coverage?
What is the coverage 5 days
change waiting period for
the NFIP?
- an overflow of inland or tidal waters
- unusual or rapid accumulation or runoff of surface
Give examples of the waters
flood peril -Mudflow or Mudslide
- Collapse of land along the shore of a lake as a
result of erosion
What kinds of things does Your house and your things (dwelling and personal
flood insurance cover? property). No indirect charges.
Structures not attached to dwelling (O.S. or
Dwelling coverage
Appurtenant structures). 10% of Dwelling limit. ***It is
extension for flood
an extension of coverage, NOT the $250K limit so
insurance covers what?
any coverage needed here will reduce the amount
How much is it?
able to go to the dwelling.
Personal property damaged or destroyed by the
Contents coverage of
flood itself and belongs to insured and resident
flood insurance is limited
spouse/relatives. The insured is liable for content of
to what?
others.
What are the coverages Dwelling, Contents, Debris Removal
of flood insurance?
How are damaged items Dwelling - replacement cost
valued in flood Contents - Actual Cash Value
coverage?
https://quizlet.com/1005008666/georgia-claims-adjuster-licensing-exam-2025-ga-claims-adjuster-exam-all-130-questions-and-correct-answers-verifie… 2/19
, 2/12/25, 2:27 PM GEORGIA CLAIMS ADJUSTER LICENSING EXAM 2025 GA CLAIMS ADJUSTER EXAM ALL 130 QUESTIONS AND CORRECT …
Basements and underground structure (ex. septic
What kind of property is
tanks), animals, money/accounts/bills, land, anything
not covered by flood
else covered by other policies (motor vehicles,
insurance?
aircraft, watercraft)
Loss Valuation on flood (amount of insurance purchased/80% Dwellings Total
insurance replacement cost) x Loss Amount
Standard deductible on $1K for Dwelling and $1K for Content
flood insurance
Personal Inland Marine Floaters or policies for world-wide coverage of
Insurance personal property on an open-peril basis.
Is flood excluded from NOPE. It's covered!
Personal Inland Marine
Insurance?
What are the floaters Personal Articles Floaters, Personal Property
available on Personal Floaters, and Personal Effects Floaters
Inland Marine Insurance?
What perils are covered all; open-peril
under Personal Inland
Marine Insurance
floaters?
Which PIMI floater would Personal Articles Floater - itemizes valuables such as
be appropriate for a jewelry and furs
diamond ring? Why?
world-wide open peril coverage of personal
What is a Personal Effects
property for people who are traveling - luggage,
Floater good for? What
sports equipment, clothes, and camera. NO
deductible does it have?
DEDUCTIBLE.
What is a Personal World-wide open peril coverage of personal
Property Floater good property - usually for special occasions like
for? What kind of limit do weddings or exhibitions. There is a blanket limit!
they have?
https://quizlet.com/1005008666/georgia-claims-adjuster-licensing-exam-2025-ga-claims-adjuster-exam-all-130-questions-and-correct-answers-verifie… 3/19
