West Virginia Adjuster Laws & Regulations
UPDATED ACTUAL Exam Questions and
CORRECT Answers
In case of suspected arson, an adjuster must:
A. Notify the insured.
B. Notify the insured and the insurer.
C. Make proper documentation in a written report.
D. Notify the Fire Marshall. - CORRECT ANSWER - D. Notify the Fire Marshall.
Farmer Brown returned from the fields to find his barn engulfed in flames. His son described
how a tornado had blown down one wall of the barn, overturning a lamp. Debris was strewn over
a widespread section of the farm. The proximate cause of the total loss to the barn was:
A. the fire.
B. the tornado.
C. faulty wiring.
D. the lack of a fire hydrant on the farm. - CORRECT ANSWER - B. the tornado.
The qualifications for licensing of adjusters in West Virginia include all of the following, except:
A. The applicant must be at least 21 years of age.
B. The applicant is a resident of West Virginia.
C. The applicant must satisfy the Commissioner that he or she is trustworthy.
D. the applicant must satisfy the Commissioner that he or she is competent. - CORRECT
ANSWER - A. The applicant must be at least 21 years of age.
A binder may not cover a period in excess of:
A. 90 days.
B. 60 days.
C. 30 days.
, D. 15 days. - CORRECT ANSWER - A. 90 days.
The West Virginia Property and Casualty Insurance Guaranty Association will not pay a covered
claim in excess of:
A. $500,000.
B. $200,000.
C. $100,000.
D. $300,000. - CORRECT ANSWER - D. $300,000.
Mine subsidence insurance:
A. may be waived by an insured.
B. will only be provided if requested by the insured in certain counties.
C. covers loss due to earthquakes and landslides.
D. both A and B. - CORRECT ANSWER - D. both A and B.
On an automobile policy application, an applicant states that she has had no accidents in the past
three years. This statement is known as which of the following, if any?
A. A representation
B. A warranty
C. A concealment
D. None of the above - CORRECT ANSWER - A. A representation
Statements made by the insured stating that a property is in good condition is an example of:
A. Warranty
B. Declaration
C. Representation
D. Condition - CORRECT ANSWER - C. Representation
UPDATED ACTUAL Exam Questions and
CORRECT Answers
In case of suspected arson, an adjuster must:
A. Notify the insured.
B. Notify the insured and the insurer.
C. Make proper documentation in a written report.
D. Notify the Fire Marshall. - CORRECT ANSWER - D. Notify the Fire Marshall.
Farmer Brown returned from the fields to find his barn engulfed in flames. His son described
how a tornado had blown down one wall of the barn, overturning a lamp. Debris was strewn over
a widespread section of the farm. The proximate cause of the total loss to the barn was:
A. the fire.
B. the tornado.
C. faulty wiring.
D. the lack of a fire hydrant on the farm. - CORRECT ANSWER - B. the tornado.
The qualifications for licensing of adjusters in West Virginia include all of the following, except:
A. The applicant must be at least 21 years of age.
B. The applicant is a resident of West Virginia.
C. The applicant must satisfy the Commissioner that he or she is trustworthy.
D. the applicant must satisfy the Commissioner that he or she is competent. - CORRECT
ANSWER - A. The applicant must be at least 21 years of age.
A binder may not cover a period in excess of:
A. 90 days.
B. 60 days.
C. 30 days.
, D. 15 days. - CORRECT ANSWER - A. 90 days.
The West Virginia Property and Casualty Insurance Guaranty Association will not pay a covered
claim in excess of:
A. $500,000.
B. $200,000.
C. $100,000.
D. $300,000. - CORRECT ANSWER - D. $300,000.
Mine subsidence insurance:
A. may be waived by an insured.
B. will only be provided if requested by the insured in certain counties.
C. covers loss due to earthquakes and landslides.
D. both A and B. - CORRECT ANSWER - D. both A and B.
On an automobile policy application, an applicant states that she has had no accidents in the past
three years. This statement is known as which of the following, if any?
A. A representation
B. A warranty
C. A concealment
D. None of the above - CORRECT ANSWER - A. A representation
Statements made by the insured stating that a property is in good condition is an example of:
A. Warranty
B. Declaration
C. Representation
D. Condition - CORRECT ANSWER - C. Representation
