Texas All Lines Adjuster Exam

TEXAS ALL LINES ADJUSTER EXAM PTACTICE
QUESTIONS WITH ACTUAL ANSWERS GRADED
A+(COMPLETE SOLUTIONS).



DP - valuation - CORRECT ANSWERS-DP-1 - ACV building & contents
DP-2/3 - RCV building & ACV contents

DP - limit for fair rental value - CORRECT ANSWERS-20% of A

DP - coverages (A-E) - CORRECT ANSWERS-A - dwelling
B - other structures
C - personal property
D - fair rental value
E - additional living expense

DP - limit for additional living expenses - CORRECT ANSWERS-DP-1 -
NONE
DP-2/3 - 20% of A

DP - Property removed is covered for ___ days. - CORRECT
ANSWERS-DP-1 - 5 days
DP-2 - 30 days

DP - limit for trees/plants/shrubs - CORRECT ANSWERS-5% of A
$500 per tree/shrub/plant

DP - fire department service charge - CORRECT ANSWERS-$500

DP - extended coverages - CORRECT ANSWERS-windstorm, civil
commotion, hail, aircraft, vehicles, volcanic eruption, explosion, riot

,DP - broad perils - CORRECT ANSWERS-burglary damage, ice/snow
weight, glass, accidental discharge of water/steam, falling objects, freezing,
electrical, collapse, tearing apart/bulging/cracking

DP-3 perils covered (dwelling & contents) - CORRECT ANSWERS-
dwelling - open
contents - broad (DP-2 perils)

Explain the difference between DP & HO policies. - CORRECT
ANSWERS-DP does not automatically cover theft or include liability
coverage.

DP - Explain the difference between limited/broad theft endorsement. -
CORRECT ANSWERS-limited - on premises only
broad - on & off premises

HO-2 perils (dwelling & contents) - CORRECT ANSWERS-dwelling -
named/broad
contents - named/broad

HO-3 perils (dwelling & contents) - CORRECT ANSWERS-dwelling -
open
contents - named/broad

HO-4 perils (dwelling & contents) - CORRECT ANSWERS-dwelling - NO
COVERAGE
contents - named/broad

HO-5 perils (dwelling & contents) - CORRECT ANSWERS-dwelling -
open
contents - open

HO-6 perils (dwelling & contents) - CORRECT ANSWERS-dwelling -
LIMITED named/broad
contents - named/broad

,HO-8 perils (dwelling & contents) - CORRECT ANSWERS-dwelling -
named/basic & extended
contents - named/basic & extended

HO - valuation - CORRECT ANSWERS-RCV dwelling
ACV content (unless endorsed)
EXCEPT HO-8 - ACV dwelling & contents

HO - coverages (A-F) - CORRECT ANSWERS-A - dwelling
B - other structures - 10% of A
C - personal property - 50% of A
D - loss of use - 30% of A
E - medical payments
F - liability

HO - limit for personal property in self-storage - CORRECT ANSWERS-
10% of C

HO - money limit - CORRECT ANSWERS-$200

HO - securities limit - CORRECT ANSWERS-$1,500

HO - watercraft limit (including trailers) - CORRECT ANSWERS-$1,500

HO - trailers limit (except watercraft trailers) - CORRECT ANSWERS-
$1,500 - ON PREMISES ONLY

HO - THEFT of firearms limit - CORRECT ANSWERS-$2,500

HO - THEFT of silverware limit - CORRECT ANSWERS-$2,500

HO - business personal property on premises limit - CORRECT
ANSWERS-$2,500

HO - business personal property off premises limit - CORRECT
ANSWERS-$1,500

, HO - electronic vehicle equipment limit - CORRECT ANSWERS-$1,500

HO - THEFT of jewelry/furs limit - CORRECT ANSWERS-$1,500

HO - tapes/discs in vehicle limit - CORRECT ANSWERS-$250

HO - standard deductible - CORRECT ANSWERS-$500

HO - trees/shrubs/plants limit - CORRECT ANSWERS-5% of A
$500 per tree/shrub/plant

HO - Property removed is covered for ___ days. - CORRECT
ANSWERS-30

HO – grave markers limit - CORRECT ANSWERS-$5,000

HO - landlord's furnishings limit - CORRECT ANSWERS-$2,500
(EXCLUDES THEFT)

HO - liability minimum limit - CORRECT ANSWERS-$100,000

HO - credit card forgery limit - CORRECT ANSWERS-$500

HO - minimum medical payments limit - CORRECT ANSWERS-$1,000

HO - Medical payments claim must be filed within ___. - CORRECT
ANSWERS-3 years

HO - lost wages supplemental payment - CORRECT ANSWERS-
$250/day

HO - limit for damage to property of others - CORRECT ANSWERS-
$1,000

HO - All tremors within ___ are one earthquake. - CORRECT
ANSWERS-72 hours