TEXAS ALL-LINES ADJUSTER COURSE FINAL EXAM
A msevere mthunderstorm mdamaged ma mpolicyholder's mresidence. mHe mcalled mand masked
mhow mlong mit mwould mbe mbefore mhe mreceives mpayment mfor mhis mclaim. mWhich mof
mthe mfollowing mwould mNOT mbe man mappropriate mresponse? m- m"ACCURATE mANSWER"
m mWe mhave m6 mmonths mto mreach ma mfinal msettlement mwith myou.
Janelle mhas mjust mgraduated mcollege mand mis minterested min mbecoming man madjuster.
mshe mwould mlike mto mbe mable mto mhandle many mtype mof mclaim. mThe mmost
mcomprehensive mtype mof mlicense mwould mbe: m- m"ACCURATE mANSWER" m mAll-Lines
Jack mand mRebecca mown ma mvacation mhome mon mGalveston mIsland mwhich mthey mhave
minsured munder man mHO-3 mpolicy. mAfter ma mweek mlong mwinter mski mtrip mto mAspen,
mthey mreturn mhome mto mfind mtheir mhouse mburglarized mand mtheir m50" mTV, mcomputer
mequipment, mjewelry, ma mvaluable mgun mcollection mand msome mfishing mequipment
mstolen. mHow mwould mtheir mHO-3 mpolicy mrespond mto mthis mloss? m- m"ACCURATE
mANSWER" m mThe mentire mtheft mloss mwould mbe mcovered munder mCoverage mC. msubject
mthe mpolicy mlimits mand mto mcertain mlimitations.
The moldest mform mof minsurance mknown mto mexist mis: m- m"ACCURATE mANSWER" m
mOcean mMarine mInsurance
How mis man minjured memployee's mweekly mcompensation mrate mfor mTemporary mIncome
mBenefits m(TIBS) mcalculated munder mTexas mWork
Comp mlaws? m- m"ACCURATE mANSWER" m mThe mcomp mrate m= m(AWW m- mPost mInjury
mEarnings) m× m70%
In mworkers mcompensation, man m"injury mis mdefined mto mmean: m- m"ACCURATE mANSWER"
m mpersonal minjury mor mdeath mby m"accident", marising mout mof mwork mperformed min
mthe mcourse mof memployment.
Justin mis ma mProperty madjuster mfor mXYZ mInsurance mCompany. mHe mreceives ma mclaim
minvolving mthe mtheft mloss mof mvarious mtypes mof mproperty. mJustin's minitial
mresponsibility mupon minvestigating mthe mloss mis mto mfirst mdetermine: m- m"ACCURATE
mANSWER" m mIf mcoverage mexists
Jim mis ma mpublic madjuster. mHe mhas man marrangement mwith ma mwater mextraction
mcompany mwho mpays mhim ma mcommission mof m10% mfor mevery mreferral mthat mJim
msends mtheir mway. mWhich mof mthe mfollowing mstatements mis mcorrect? m- m"ACCURATE
mANSWER" m mThis marrangement mreflects ma mbreach mof methical mconduct mand ma
mviolation mthat mcould mjeopardize mJim's mlicensure.
Which mof mthe mfollowing mwould mNOT mbe mcovered munder mCoverage mC mPersonal
mProperty? m- m"ACCURATE mANSWER" m mYour m10-year mold mGerman mShepherd mchokes
mon ma mbone mand mpasses maway.
A mtornado mstrikes ma mduplex mthat mis minsured munder ma mDwelling m(DP-3) mpolicy.
mWhich mof mthe mfollowing mwould mNOT mbe mcovered mby mthe mDwelling mpolicy? m-
m"ACCURATE mANSWER" m mDamage mto manother mduplex mright mnext mdoor, malso mowned
mby mthe mlandlord.
Common mcarriers m(i.e. m18-wheelers, mtrains, mplanes, metc.) mare mresponsible mfor
mdamage mto mcustomer mgoods mthey mtransport mEXCEPT mfor mdamages mresulting mfrom:
m- m"ACCURATE mANSWER" m mActs mof mGod
,You mhave mjust mstarted myour mcareer mhandling mTexas mworkers' mcompensation mclaims.
mWhich mone mof mthe mfollowing mWOULD mBE mconsidered ma mviolation mof mthe mTexas
mUnfair mClaim mSettlement mPractices mAct? m- m"ACCURATE mANSWER" m mNot mresponding
mto man memployee's mcalls mbecause myou're moverworked mand mthe mclaim minvolves
mcomplex missues myou mjust mdon't mfeel mlike maddressing.
Which mtype mof mbond mwould mbe mused mto mcover mthe mexposure mto memployee
mtheft? m- m"ACCURATE mANSWER" m mFidelity mbond
Garrett mwants ma mTexas mAll mLines mAdjuster's mlicense. mWhich mof mthe mfollowing
mactions mwill mbe mnecessary mfor mGarrett mto msecure msuch ma mlicense? m- m"ACCURATE
mANSWER" m mPass ma mstate mqualifying mexam mor mpre-licensing mcourse mthat mis
mcertified mby mthe mTexas mDepartment mof mInsurance mthat mincludes man mapproved,
mcomprehensive mfinal mexamination mof m150 mquestions, mand mattach mthe mCertificate mof
mCompletion mto man mapplication mfor mlicensure.
The mDP.3 mDwelling mform mis man m"Open mRisk" mpolicy. mThis mmeans mthat: m-
m"ACCURATE mANSWER" m mAll mrisks mof mdirect mphysical mloss mare mcovered munless
mthey mare mexcluded
Assume myour mhome mcaught mfire mdue mto ma mfaulty melectrical mdevice. mand mone
mmonth mafter mthe mfire myou mreceive ma mbill mfrom mthe mfire mdepartment mfor
m$450.00 mfor mresponding mto mthe mfire. mWould mthis mbe mpaid munder myour
mhomeowner's mpolicy? m- m"ACCURATE mANSWER" m mYes. mIt mis mcalled mFire mDepartment
mService mCharge mand mis man mAdditional mCoverage mprovided munder mthe mpolicy,
mlimited mto m$500.
Generally, mif man memployee msuffers man moccupational minjury mand maccepts mworkers'
mcompensation mbenefits, mhe mor mshe: m- m"ACCURATE mANSWER" m mGives mup mthe
mright mto msue mthe memployer mfor mpersonal minjury mand mpain mand msuffering. mThe
memployee mcan monly mmake mclaim mfor mworkers' mcompensation mbenefits.
Janelle mhas ma mTexas mPersonal mAuto mPolicy mwith m30/60/25 mpolicy mlimits. mShe mhits
ma mcar mwith m4 moccupants, mall mof mwhom mare mhurt.
They mall msue. mEach mof mthe minjured mparties mreceives midentical mverdicts mof m$40,000.
mUnder mJanelle's mbodily minjury mliability mcoverage, mwhat mis mthe mtotal mamount mthat
mthe mcompany mwould mpay mfor mthe minjuries mto mthese mplaintiffs? m- m"ACCURATE
mANSWER" m m$60,000
A mperson mor mentity mwho mguarantees mthe mperformance mor mpayment mof mone mparty
mwho mis mobligated mby mcontract mto manother mis mcalled ma: m- m"ACCURATE mANSWER"
m mSurety
If myour minsured mwere mto mask myou mif ma mDwelling mpolicy mwould mpay mfor mhis mloss
mof mrental mincome mafter ma mfire mloss mwhile mthe mproperty mis mbeing mrepaired. mwhat
mwould myou mtell mhim? m- m"ACCURATE mANSWER" m mYes, mand mit's mcalled mFair mRental
mValue mcoverage mand mis mavailable munder mCoverage mD.
Fred mruns ma mconvenience mstore mthat msells mgasoline. mOne mday ma mcustomer mpulls
maway mfrom mthe mpump mwhile mthe mgas mis mstill mpumping, mbreaks mthe mpump mline
mand mcauses mgasoline mto mescape mall mover mthe mparking mlot mand minto mthe mstorm
mdrain. mFred mfiles ma mclaim munder mhis mcommercial mproperty mpolicy. mDamage mto
mrepair mthe mpump mtotals m$545.00 mand m$257.00 mworth mof mgasoline mwas mpumped
mout mbefore manyone mnoticed mand mstopped mthe mpump. mThe mlocal mHazMat mteam
mwas mcalled mout mby mthe mauthorities mto mclean mup mthe mparking mlot mand mthe
mstorm mdrain. mFred mreceived ma mbill mfrom mthe mCounty mfor m$12.850.00 mfor mthe
, mclean mup. mHe msends mthe mbill mto myou mto mpay. mWhat mkind mof mcoverage mis
mavailable mto mFred mas ma mcommercial mproperty mextension mof mcoverage mneeded mto
mpay mthis mloss? m- m"ACCURATE mANSWER" m mPollution mClean mUp mand mRemoval
A mcargo mship mloaded mwith mlumber mand msailing mfrom mSeattle, mWashington mto
mTokyo, mJapan, mencountered m"the mperfect mstorm" mduring mits mtrip macross mthe
mPacific mOcean. mSome mof mthe mlumber mwas mthrown moverboard mto msave mthe mship.
mThis maction mis mcalled: m- m"ACCURATE mANSWER" m mJettison
Roberto mowns ma mhouse mon mLake mConroe. mThe mhouse mis minsured mwith man mHO-3
mpolicy. mDuring ma mstorm, ma mtornado mtouches mdown mand mseverely mdamages mthe
mhouse. mBecause mthe mhouse mis muntenable mand mit mwill mtake m2 mmonths mto
mcomplete mrepairs, mRoberto mmoves mInto ma mlocal mMarriott mResidence mInn. mUnder
mwhich mof mthe mfollowing mcoverages mwould mRoberto mbe mable mto mrecover mthe
madditional mexpense mof mthe mMarriott mand mother mcosts? m- m"ACCURATE mANSWER" m
mCoverage mD: mLoss mof mUse
Dwelling mpolicies: m- m"ACCURATE mANSWER" m mprovide mbasic mproperty mprotection mfor
mindividuals mwho mwant mto mprotect mtheir mfinancial minterest min ma mproperty
Which mof mthe mfollowing mperils mor mexposure mare mFidelity mbonds mgenerally mused mto
minsure magainst? m- m"ACCURATE mANSWER" m mEmbezzlement
To mbe mcompensable munder mworkers' mcompensation mlaws, mmost mjurisdictions mrequire
mthat man minjury: m- m"ACCURATE mANSWER" m marise mout mof mand min mthe mcourse mof
memployment.
A mcustomer mof mthe mSunshine mGrocery mStore mhit mher mleg mon ma mlow mshelf min
mthe misle mof mthe mstore. mThe mclaim mwas massigned mto myou mfor mhandling. mAfter
mcontacting mthe mclaimant mand mtaking ma mstatement, myou mlearn mthat mthe minjury
mwas mminor mand, mat mmost, man minconvenience. mMedical mexpenses mwere monly
m$525.00 mand mthere mwere mno mcomplications. mYou mthink mthe mbest mway mto mhandle
mthe mcase mIs mto moffer mto mpay mher mmedical mbills mwithout madmitting mliability mand
mtry mbacking maway mwithout mcommitting mto many mkind mof msettlement. mHow mwould
myou mdo mit? m- m"ACCURATE mANSWER" m mTell mher myou'll mpay mher mbills mand mask
mher mto mcall myou mif mshe mhas many mquestions. mYou mwould mthen mwish mher mwell
mand, mwhen mthe mbills marrive, mpay mthem munder mthe mbusiness's mMedical mPayments
mcoverage.
You mjust mstarted mworking mas man madjuster mwith mhandling mTexas m1st mand m3rd
mparty mproperty mdamage mclaims. mWhich mone mof mthe mfollowing mwould mNOT mbe man
mexample mof man munfair mclaim msettlement mpractice? m- m"ACCURATE mANSWER" m
mDeciding mnot mto mtake ma mstatement mfrom man minsured munder moath min mthe
minvestigation mof ma m1st mparty mproperty mclaim.
Joe mis ma mproperty madjuster memployed mby mState mFarm. mHe mreceives ma mloss
massignment mto mhandle ma mgrease mfire mclaim mfor man minsured. mUpon mcontacting mthe
minsured, mshe madvises mthat mshe mhas mhired mher mown madjuster m(Pete) mto mrepresent
mher min mthis mmatter.
Pete mwill mbe mproviding mJoe mwith mthe mestimates mof mrepair mand mhas mthe minsured's
mauthority mto mnegotiate mthe mfinal msettlement mof mthe mloss. mPete's mfee mwill mbe
mpaid mout mof mthe mfinal msettlement mamount. mBased mupon mthis minformation, mjoe
mand mPete mare mwhich mof mthe mfollowing mtypes mof madjusters? m- m"ACCURATE
mANSWER" m mJoe mis ma mCompany mAdjuster mand mPete mis ma mPublic mAdjuster
You mhave, mjust mreceived ma mnew mproperty mclaim mfrom man minsured mhomeowner
mwho msuffered mdamage mfrom ma mfire mthat mburned mdown m30% mof mthe mproperty.
A msevere mthunderstorm mdamaged ma mpolicyholder's mresidence. mHe mcalled mand masked
mhow mlong mit mwould mbe mbefore mhe mreceives mpayment mfor mhis mclaim. mWhich mof
mthe mfollowing mwould mNOT mbe man mappropriate mresponse? m- m"ACCURATE mANSWER"
m mWe mhave m6 mmonths mto mreach ma mfinal msettlement mwith myou.
Janelle mhas mjust mgraduated mcollege mand mis minterested min mbecoming man madjuster.
mshe mwould mlike mto mbe mable mto mhandle many mtype mof mclaim. mThe mmost
mcomprehensive mtype mof mlicense mwould mbe: m- m"ACCURATE mANSWER" m mAll-Lines
Jack mand mRebecca mown ma mvacation mhome mon mGalveston mIsland mwhich mthey mhave
minsured munder man mHO-3 mpolicy. mAfter ma mweek mlong mwinter mski mtrip mto mAspen,
mthey mreturn mhome mto mfind mtheir mhouse mburglarized mand mtheir m50" mTV, mcomputer
mequipment, mjewelry, ma mvaluable mgun mcollection mand msome mfishing mequipment
mstolen. mHow mwould mtheir mHO-3 mpolicy mrespond mto mthis mloss? m- m"ACCURATE
mANSWER" m mThe mentire mtheft mloss mwould mbe mcovered munder mCoverage mC. msubject
mthe mpolicy mlimits mand mto mcertain mlimitations.
The moldest mform mof minsurance mknown mto mexist mis: m- m"ACCURATE mANSWER" m
mOcean mMarine mInsurance
How mis man minjured memployee's mweekly mcompensation mrate mfor mTemporary mIncome
mBenefits m(TIBS) mcalculated munder mTexas mWork
Comp mlaws? m- m"ACCURATE mANSWER" m mThe mcomp mrate m= m(AWW m- mPost mInjury
mEarnings) m× m70%
In mworkers mcompensation, man m"injury mis mdefined mto mmean: m- m"ACCURATE mANSWER"
m mpersonal minjury mor mdeath mby m"accident", marising mout mof mwork mperformed min
mthe mcourse mof memployment.
Justin mis ma mProperty madjuster mfor mXYZ mInsurance mCompany. mHe mreceives ma mclaim
minvolving mthe mtheft mloss mof mvarious mtypes mof mproperty. mJustin's minitial
mresponsibility mupon minvestigating mthe mloss mis mto mfirst mdetermine: m- m"ACCURATE
mANSWER" m mIf mcoverage mexists
Jim mis ma mpublic madjuster. mHe mhas man marrangement mwith ma mwater mextraction
mcompany mwho mpays mhim ma mcommission mof m10% mfor mevery mreferral mthat mJim
msends mtheir mway. mWhich mof mthe mfollowing mstatements mis mcorrect? m- m"ACCURATE
mANSWER" m mThis marrangement mreflects ma mbreach mof methical mconduct mand ma
mviolation mthat mcould mjeopardize mJim's mlicensure.
Which mof mthe mfollowing mwould mNOT mbe mcovered munder mCoverage mC mPersonal
mProperty? m- m"ACCURATE mANSWER" m mYour m10-year mold mGerman mShepherd mchokes
mon ma mbone mand mpasses maway.
A mtornado mstrikes ma mduplex mthat mis minsured munder ma mDwelling m(DP-3) mpolicy.
mWhich mof mthe mfollowing mwould mNOT mbe mcovered mby mthe mDwelling mpolicy? m-
m"ACCURATE mANSWER" m mDamage mto manother mduplex mright mnext mdoor, malso mowned
mby mthe mlandlord.
Common mcarriers m(i.e. m18-wheelers, mtrains, mplanes, metc.) mare mresponsible mfor
mdamage mto mcustomer mgoods mthey mtransport mEXCEPT mfor mdamages mresulting mfrom:
m- m"ACCURATE mANSWER" m mActs mof mGod
,You mhave mjust mstarted myour mcareer mhandling mTexas mworkers' mcompensation mclaims.
mWhich mone mof mthe mfollowing mWOULD mBE mconsidered ma mviolation mof mthe mTexas
mUnfair mClaim mSettlement mPractices mAct? m- m"ACCURATE mANSWER" m mNot mresponding
mto man memployee's mcalls mbecause myou're moverworked mand mthe mclaim minvolves
mcomplex missues myou mjust mdon't mfeel mlike maddressing.
Which mtype mof mbond mwould mbe mused mto mcover mthe mexposure mto memployee
mtheft? m- m"ACCURATE mANSWER" m mFidelity mbond
Garrett mwants ma mTexas mAll mLines mAdjuster's mlicense. mWhich mof mthe mfollowing
mactions mwill mbe mnecessary mfor mGarrett mto msecure msuch ma mlicense? m- m"ACCURATE
mANSWER" m mPass ma mstate mqualifying mexam mor mpre-licensing mcourse mthat mis
mcertified mby mthe mTexas mDepartment mof mInsurance mthat mincludes man mapproved,
mcomprehensive mfinal mexamination mof m150 mquestions, mand mattach mthe mCertificate mof
mCompletion mto man mapplication mfor mlicensure.
The mDP.3 mDwelling mform mis man m"Open mRisk" mpolicy. mThis mmeans mthat: m-
m"ACCURATE mANSWER" m mAll mrisks mof mdirect mphysical mloss mare mcovered munless
mthey mare mexcluded
Assume myour mhome mcaught mfire mdue mto ma mfaulty melectrical mdevice. mand mone
mmonth mafter mthe mfire myou mreceive ma mbill mfrom mthe mfire mdepartment mfor
m$450.00 mfor mresponding mto mthe mfire. mWould mthis mbe mpaid munder myour
mhomeowner's mpolicy? m- m"ACCURATE mANSWER" m mYes. mIt mis mcalled mFire mDepartment
mService mCharge mand mis man mAdditional mCoverage mprovided munder mthe mpolicy,
mlimited mto m$500.
Generally, mif man memployee msuffers man moccupational minjury mand maccepts mworkers'
mcompensation mbenefits, mhe mor mshe: m- m"ACCURATE mANSWER" m mGives mup mthe
mright mto msue mthe memployer mfor mpersonal minjury mand mpain mand msuffering. mThe
memployee mcan monly mmake mclaim mfor mworkers' mcompensation mbenefits.
Janelle mhas ma mTexas mPersonal mAuto mPolicy mwith m30/60/25 mpolicy mlimits. mShe mhits
ma mcar mwith m4 moccupants, mall mof mwhom mare mhurt.
They mall msue. mEach mof mthe minjured mparties mreceives midentical mverdicts mof m$40,000.
mUnder mJanelle's mbodily minjury mliability mcoverage, mwhat mis mthe mtotal mamount mthat
mthe mcompany mwould mpay mfor mthe minjuries mto mthese mplaintiffs? m- m"ACCURATE
mANSWER" m m$60,000
A mperson mor mentity mwho mguarantees mthe mperformance mor mpayment mof mone mparty
mwho mis mobligated mby mcontract mto manother mis mcalled ma: m- m"ACCURATE mANSWER"
m mSurety
If myour minsured mwere mto mask myou mif ma mDwelling mpolicy mwould mpay mfor mhis mloss
mof mrental mincome mafter ma mfire mloss mwhile mthe mproperty mis mbeing mrepaired. mwhat
mwould myou mtell mhim? m- m"ACCURATE mANSWER" m mYes, mand mit's mcalled mFair mRental
mValue mcoverage mand mis mavailable munder mCoverage mD.
Fred mruns ma mconvenience mstore mthat msells mgasoline. mOne mday ma mcustomer mpulls
maway mfrom mthe mpump mwhile mthe mgas mis mstill mpumping, mbreaks mthe mpump mline
mand mcauses mgasoline mto mescape mall mover mthe mparking mlot mand minto mthe mstorm
mdrain. mFred mfiles ma mclaim munder mhis mcommercial mproperty mpolicy. mDamage mto
mrepair mthe mpump mtotals m$545.00 mand m$257.00 mworth mof mgasoline mwas mpumped
mout mbefore manyone mnoticed mand mstopped mthe mpump. mThe mlocal mHazMat mteam
mwas mcalled mout mby mthe mauthorities mto mclean mup mthe mparking mlot mand mthe
mstorm mdrain. mFred mreceived ma mbill mfrom mthe mCounty mfor m$12.850.00 mfor mthe
, mclean mup. mHe msends mthe mbill mto myou mto mpay. mWhat mkind mof mcoverage mis
mavailable mto mFred mas ma mcommercial mproperty mextension mof mcoverage mneeded mto
mpay mthis mloss? m- m"ACCURATE mANSWER" m mPollution mClean mUp mand mRemoval
A mcargo mship mloaded mwith mlumber mand msailing mfrom mSeattle, mWashington mto
mTokyo, mJapan, mencountered m"the mperfect mstorm" mduring mits mtrip macross mthe
mPacific mOcean. mSome mof mthe mlumber mwas mthrown moverboard mto msave mthe mship.
mThis maction mis mcalled: m- m"ACCURATE mANSWER" m mJettison
Roberto mowns ma mhouse mon mLake mConroe. mThe mhouse mis minsured mwith man mHO-3
mpolicy. mDuring ma mstorm, ma mtornado mtouches mdown mand mseverely mdamages mthe
mhouse. mBecause mthe mhouse mis muntenable mand mit mwill mtake m2 mmonths mto
mcomplete mrepairs, mRoberto mmoves mInto ma mlocal mMarriott mResidence mInn. mUnder
mwhich mof mthe mfollowing mcoverages mwould mRoberto mbe mable mto mrecover mthe
madditional mexpense mof mthe mMarriott mand mother mcosts? m- m"ACCURATE mANSWER" m
mCoverage mD: mLoss mof mUse
Dwelling mpolicies: m- m"ACCURATE mANSWER" m mprovide mbasic mproperty mprotection mfor
mindividuals mwho mwant mto mprotect mtheir mfinancial minterest min ma mproperty
Which mof mthe mfollowing mperils mor mexposure mare mFidelity mbonds mgenerally mused mto
minsure magainst? m- m"ACCURATE mANSWER" m mEmbezzlement
To mbe mcompensable munder mworkers' mcompensation mlaws, mmost mjurisdictions mrequire
mthat man minjury: m- m"ACCURATE mANSWER" m marise mout mof mand min mthe mcourse mof
memployment.
A mcustomer mof mthe mSunshine mGrocery mStore mhit mher mleg mon ma mlow mshelf min
mthe misle mof mthe mstore. mThe mclaim mwas massigned mto myou mfor mhandling. mAfter
mcontacting mthe mclaimant mand mtaking ma mstatement, myou mlearn mthat mthe minjury
mwas mminor mand, mat mmost, man minconvenience. mMedical mexpenses mwere monly
m$525.00 mand mthere mwere mno mcomplications. mYou mthink mthe mbest mway mto mhandle
mthe mcase mIs mto moffer mto mpay mher mmedical mbills mwithout madmitting mliability mand
mtry mbacking maway mwithout mcommitting mto many mkind mof msettlement. mHow mwould
myou mdo mit? m- m"ACCURATE mANSWER" m mTell mher myou'll mpay mher mbills mand mask
mher mto mcall myou mif mshe mhas many mquestions. mYou mwould mthen mwish mher mwell
mand, mwhen mthe mbills marrive, mpay mthem munder mthe mbusiness's mMedical mPayments
mcoverage.
You mjust mstarted mworking mas man madjuster mwith mhandling mTexas m1st mand m3rd
mparty mproperty mdamage mclaims. mWhich mone mof mthe mfollowing mwould mNOT mbe man
mexample mof man munfair mclaim msettlement mpractice? m- m"ACCURATE mANSWER" m
mDeciding mnot mto mtake ma mstatement mfrom man minsured munder moath min mthe
minvestigation mof ma m1st mparty mproperty mclaim.
Joe mis ma mproperty madjuster memployed mby mState mFarm. mHe mreceives ma mloss
massignment mto mhandle ma mgrease mfire mclaim mfor man minsured. mUpon mcontacting mthe
minsured, mshe madvises mthat mshe mhas mhired mher mown madjuster m(Pete) mto mrepresent
mher min mthis mmatter.
Pete mwill mbe mproviding mJoe mwith mthe mestimates mof mrepair mand mhas mthe minsured's
mauthority mto mnegotiate mthe mfinal msettlement mof mthe mloss. mPete's mfee mwill mbe
mpaid mout mof mthe mfinal msettlement mamount. mBased mupon mthis minformation, mjoe
mand mPete mare mwhich mof mthe mfollowing mtypes mof madjusters? m- m"ACCURATE
mANSWER" m mJoe mis ma mCompany mAdjuster mand mPete mis ma mPublic mAdjuster
You mhave, mjust mreceived ma mnew mproperty mclaim mfrom man minsured mhomeowner
mwho msuffered mdamage mfrom ma mfire mthat mburned mdown m30% mof mthe mproperty.
