©FYNDLAY 2024/2025 ALL RIGHTS RESERVED 11:08AM. A+
GA Claims Adjuster Licensing Exam Questions
And Answers |Latest 2025 | Guaranteed Pass.
What coverage does Community Eligibility apply to? - Answer✔Flood insurance through FEMA
What's the difference between Emergency Program and Regular Program in the National Flood
Insurance Program? - Answer✔Emergency applies to homes in communities that are a normally
not a flood hazard. Regular programs are awarded to an entire community that is eligible due
to flood hazard.
What is the flood coverage on a regular program in a 1-4 Family Dwelling? - Answer✔$250,000
On what policy can you add the Flood Program endorsement? - Answer✔None! It has its own
policy through the Federal Government.
Difference in Conditions (DIC) Insurance - Answer✔A separate insurance policy that provides
open-perils coverage to fill in the gaps left by flood coverage if a home is worth over $250K.
Coverage is produced through Excess/Surplus Lines.
What is the waiting period on NFIP coverage? - Answer✔30 days after policy purchase
What is the coverage change waiting period for the NFIP? - Answer✔5 days
Give examples of the flood peril - Answer✔- an overflow of inland or tidal waters
- unusual or rapid accumulation or runoff of surface waters
-Mudflow or Mudslide
- Collapse of land along the shore of a lake as a result of erosion
What kinds of things does flood insurance cover? - Answer✔Your house and your things
(dwelling and personal property). No indirect charges.
Dwelling coverage extension for flood insurance covers what? How much is it? -
Answer✔Structures not attached to dwelling (O.S. or Appurtenant structures). 10% of Dwelling
limit. ***It is an extension of coverage, NOT the $250K limit so any coverage needed here will
reduce the amount able to go to the dwelling.
1
, ©FYNDLAY 2024/2025 ALL RIGHTS RESERVED 11:08AM. A+
Contents coverage of flood insurance is limited to what? - Answer✔Personal property damaged
or destroyed by the flood itself and belongs to insured and resident spouse/relatives. The
insured is liable for content of others.
What are the coverages of flood insurance? - Answer✔Dwelling, Contents, Debris Removal
How are damaged items valued in flood coverage? - Answer✔Dwelling - replacement cost
Contents - Actual Cash Value
What kind of property is not covered by flood insurance? - Answer✔Basements and
underground structure (ex. septic tanks), animals, money/accounts/bills, land, anything else
covered by other policies (motor vehicles, aircraft, watercraft)
Loss Valuation on flood insurance - Answer✔(amount of insurance purchased/80% Dwellings
Total replacement cost) x Loss Amount
Standard deductible on flood insurance - Answer✔$1K for Dwelling and $1K for Content
Personal Inland Marine Insurance - Answer✔Floaters or policies for world-wide coverage of
personal property on an open-peril basis.
Is flood excluded from Personal Inland Marine Insurance? - Answer✔NOPE. It's covered!
What are the floaters available on Personal Inland Marine Insurance? - Answer✔Personal
Articles Floaters, Personal Property Floaters, and Personal Effects Floaters
What perils are covered under Personal Inland Marine Insurance floaters? - Answer✔all; open-
peril
Which PIMI floater would be appropriate for a diamond ring? Why? - Answer✔Personal Articles
Floater - itemizes valuables such as jewelry and furs
What is a Personal Effects Floater good for? What deductible does it have? - Answer✔world-
wide open peril coverage of personal property for people who are traveling - luggage, sports
equipment, clothes, and camera. NO DEDUCTIBLE.
What is a Personal Property Floater good for? What kind of limit do they have? -
Answer✔World-wide open peril coverage of personal property - usually for special occasions
like weddings or exhibitions. There is a blanket limit!
Does personal inland marine insurance cover flood? - Answer✔Yes. Somehow.
All of the following coverage is available under a Standard Flood Insurance Policy issued by the
National Flood Insurance Program except:
a. Loss of Use
b. Dwelling
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, ©FYNDLAY 2024/2025 ALL RIGHTS RESERVED 11:08AM. A+
c. Personal Property
d. Removal - Answer✔A. Loss of Use
The maximum number of days that a Standard Flood Insurance Policy will cover property
removed is:
a. 15 days
b. 20 days
c. 30 days
d. 45 days - Answer✔d. 45 days
If the limits of insurance available under the National Flood Insurance Program are inadequate,
where can additional coverage be purchased?
a. Homeowners Flood Endorsement
b. Excess Flood Endorsement
c. Personal Umbrella Policy
d. Difference in Conditions Policy - Answer✔d. Difference in Conditions Policy
Define Yacht. - Answer✔"Swim Swam" - a sailboat with an auxiliary inboard motor.
Why does Yacht insurance get a Lay-Up warranty? - Answer✔During months when a watercraft
is not in use - typically in winter - a discount is applied to premium.
What are navigational limits? - Answer✔Limits coverage of a watercraft to a described
geographical area.
Wave damage and damage caused by striking an underwater object is a peril covered by what
insurance? - Answer✔Federal Longshoremen and Harbor Workers Compensation Insurance.
What are the three coverages and limits under Comprehensive Personal Liability? -
Answer✔Personal Liability - 25K per occurence
Medical Payments - $500
Damage to Property of Others - $250 per occurence (for inexpensive items)
The acronym PMML is for: - Answer✔hazards
"Probably Makes More Loss" or "Please Make My Lunch"
physical, moral, morale, legal
The acronym ARRT is for: - Answer✔personal risk management;
avoidance, retention, reduction, transfer
3
GA Claims Adjuster Licensing Exam Questions
And Answers |Latest 2025 | Guaranteed Pass.
What coverage does Community Eligibility apply to? - Answer✔Flood insurance through FEMA
What's the difference between Emergency Program and Regular Program in the National Flood
Insurance Program? - Answer✔Emergency applies to homes in communities that are a normally
not a flood hazard. Regular programs are awarded to an entire community that is eligible due
to flood hazard.
What is the flood coverage on a regular program in a 1-4 Family Dwelling? - Answer✔$250,000
On what policy can you add the Flood Program endorsement? - Answer✔None! It has its own
policy through the Federal Government.
Difference in Conditions (DIC) Insurance - Answer✔A separate insurance policy that provides
open-perils coverage to fill in the gaps left by flood coverage if a home is worth over $250K.
Coverage is produced through Excess/Surplus Lines.
What is the waiting period on NFIP coverage? - Answer✔30 days after policy purchase
What is the coverage change waiting period for the NFIP? - Answer✔5 days
Give examples of the flood peril - Answer✔- an overflow of inland or tidal waters
- unusual or rapid accumulation or runoff of surface waters
-Mudflow or Mudslide
- Collapse of land along the shore of a lake as a result of erosion
What kinds of things does flood insurance cover? - Answer✔Your house and your things
(dwelling and personal property). No indirect charges.
Dwelling coverage extension for flood insurance covers what? How much is it? -
Answer✔Structures not attached to dwelling (O.S. or Appurtenant structures). 10% of Dwelling
limit. ***It is an extension of coverage, NOT the $250K limit so any coverage needed here will
reduce the amount able to go to the dwelling.
1
, ©FYNDLAY 2024/2025 ALL RIGHTS RESERVED 11:08AM. A+
Contents coverage of flood insurance is limited to what? - Answer✔Personal property damaged
or destroyed by the flood itself and belongs to insured and resident spouse/relatives. The
insured is liable for content of others.
What are the coverages of flood insurance? - Answer✔Dwelling, Contents, Debris Removal
How are damaged items valued in flood coverage? - Answer✔Dwelling - replacement cost
Contents - Actual Cash Value
What kind of property is not covered by flood insurance? - Answer✔Basements and
underground structure (ex. septic tanks), animals, money/accounts/bills, land, anything else
covered by other policies (motor vehicles, aircraft, watercraft)
Loss Valuation on flood insurance - Answer✔(amount of insurance purchased/80% Dwellings
Total replacement cost) x Loss Amount
Standard deductible on flood insurance - Answer✔$1K for Dwelling and $1K for Content
Personal Inland Marine Insurance - Answer✔Floaters or policies for world-wide coverage of
personal property on an open-peril basis.
Is flood excluded from Personal Inland Marine Insurance? - Answer✔NOPE. It's covered!
What are the floaters available on Personal Inland Marine Insurance? - Answer✔Personal
Articles Floaters, Personal Property Floaters, and Personal Effects Floaters
What perils are covered under Personal Inland Marine Insurance floaters? - Answer✔all; open-
peril
Which PIMI floater would be appropriate for a diamond ring? Why? - Answer✔Personal Articles
Floater - itemizes valuables such as jewelry and furs
What is a Personal Effects Floater good for? What deductible does it have? - Answer✔world-
wide open peril coverage of personal property for people who are traveling - luggage, sports
equipment, clothes, and camera. NO DEDUCTIBLE.
What is a Personal Property Floater good for? What kind of limit do they have? -
Answer✔World-wide open peril coverage of personal property - usually for special occasions
like weddings or exhibitions. There is a blanket limit!
Does personal inland marine insurance cover flood? - Answer✔Yes. Somehow.
All of the following coverage is available under a Standard Flood Insurance Policy issued by the
National Flood Insurance Program except:
a. Loss of Use
b. Dwelling
2
, ©FYNDLAY 2024/2025 ALL RIGHTS RESERVED 11:08AM. A+
c. Personal Property
d. Removal - Answer✔A. Loss of Use
The maximum number of days that a Standard Flood Insurance Policy will cover property
removed is:
a. 15 days
b. 20 days
c. 30 days
d. 45 days - Answer✔d. 45 days
If the limits of insurance available under the National Flood Insurance Program are inadequate,
where can additional coverage be purchased?
a. Homeowners Flood Endorsement
b. Excess Flood Endorsement
c. Personal Umbrella Policy
d. Difference in Conditions Policy - Answer✔d. Difference in Conditions Policy
Define Yacht. - Answer✔"Swim Swam" - a sailboat with an auxiliary inboard motor.
Why does Yacht insurance get a Lay-Up warranty? - Answer✔During months when a watercraft
is not in use - typically in winter - a discount is applied to premium.
What are navigational limits? - Answer✔Limits coverage of a watercraft to a described
geographical area.
Wave damage and damage caused by striking an underwater object is a peril covered by what
insurance? - Answer✔Federal Longshoremen and Harbor Workers Compensation Insurance.
What are the three coverages and limits under Comprehensive Personal Liability? -
Answer✔Personal Liability - 25K per occurence
Medical Payments - $500
Damage to Property of Others - $250 per occurence (for inexpensive items)
The acronym PMML is for: - Answer✔hazards
"Probably Makes More Loss" or "Please Make My Lunch"
physical, moral, morale, legal
The acronym ARRT is for: - Answer✔personal risk management;
avoidance, retention, reduction, transfer
3
