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Illinios Public Adjuster Exam (Actual Exam 2025) |
All Questions and Correct Answers | Graded A+ |
Verified Answers | Just Released
A commercial building insured added replacement cost, is
destroyed doing the rebuilding. It is discovered that a sprinkler
system would need to be installed due to a change in building
codes. Which is correct - . . ANSWER ✓✓ The sprinkler system
will be covered up to $10,000 or 5% of the building limit, which
ever is less
A commercial tenant signed a 10 year lease, and immediately
added $70,000 worth of improvements and betterment. The
tenant purchased commercial property insurance with a limit of
$500,000 with a deductible of $1000. How much will the tenant
INSURER pay for the loss? - . . ANSWER ✓✓ Nothing
A gable roof 32 feet long is to have rafters installed 16 inches on
center. How many Rafters are needed - . . ANSWER ✓✓ 24
A gable roof 32' long is to have rafters installed 16 inches on
center. How many rafters or needed? - . . ANSWER ✓✓ 24
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A gable roof is 32 feet long is to have rafters installed 16 inches
on center. How many Raptors are needed? - . . ANSWER ✓✓ 50
A hip roof is 42 feet long and 24 feet wide. How long is the ridge?
- . . ANSWER ✓✓ 18'
A hip roof is 42' long and 24'cfeet wide. How long is the Ridge? - .
. ANSWER ✓✓ 42'
A homeowner must replace or repair property in order to receive
replacement cost settlement. However, the Insurer will pay
replacement cost in a covered loss to buildings or other
structures prior to repair or replacement if the loss is less than
$2500 and.. - . . ANSWER ✓✓ The loss is also less than 5% of the
limit on the building
A three year old commercial building insured on in all risk form
suffers a roof, to Cave in. It is determined that the roof trusses
had a latent defect. How is the insured covered? - . . ANSWER
✓✓ There is coverage up to $10,000
A two year old commercial building Insured on an all Risk form,
suffers a roof caved in. It is determined that the roof trusses had
a (latent) defect. How is the insured covered? - . . ANSWER ✓✓
There is no coverage
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A windstorm that leads to interior damage of a home would only
be covered if... - . . ANSWER ✓✓ The wind storm first causing
opening in the walls or the roof
An HO-3 Policy, named peril protection for which of the
following? - . . ANSWER ✓✓ Contents only
An Insured commercial building Insured for $500,000 sustains
$100,000 in fire damage. Which of the following would NOT also
be automatically covered? - . . ANSWER ✓✓ Pollution cleanup at
a neighboring premises.
An insured commercial building is vandalized, which of the
following damage would be covered? - . . ANSWER ✓✓ An
antenna on top of the building
An insured has a standard farm policy with the EC endorsements
attached. Which of the following claims would NOT be covered - .
. ANSWER ✓✓ Collapse of the roof from the weight of snow and
ice
An insured may not - . . ANSWER ✓✓ Abandon property to the
insurance company
An insured who suffers a total loss of the dwelling is required by
new building codes to install a sprinkler system when the house
Illinios Public Adjuster Exam (Actual Exam 2025) |
All Questions and Correct Answers | Graded A+ |
Verified Answers | Just Released
A commercial building insured added replacement cost, is
destroyed doing the rebuilding. It is discovered that a sprinkler
system would need to be installed due to a change in building
codes. Which is correct - . . ANSWER ✓✓ The sprinkler system
will be covered up to $10,000 or 5% of the building limit, which
ever is less
A commercial tenant signed a 10 year lease, and immediately
added $70,000 worth of improvements and betterment. The
tenant purchased commercial property insurance with a limit of
$500,000 with a deductible of $1000. How much will the tenant
INSURER pay for the loss? - . . ANSWER ✓✓ Nothing
A gable roof 32 feet long is to have rafters installed 16 inches on
center. How many Rafters are needed - . . ANSWER ✓✓ 24
A gable roof 32' long is to have rafters installed 16 inches on
center. How many rafters or needed? - . . ANSWER ✓✓ 24
,2|Page
A gable roof is 32 feet long is to have rafters installed 16 inches
on center. How many Raptors are needed? - . . ANSWER ✓✓ 50
A hip roof is 42 feet long and 24 feet wide. How long is the ridge?
- . . ANSWER ✓✓ 18'
A hip roof is 42' long and 24'cfeet wide. How long is the Ridge? - .
. ANSWER ✓✓ 42'
A homeowner must replace or repair property in order to receive
replacement cost settlement. However, the Insurer will pay
replacement cost in a covered loss to buildings or other
structures prior to repair or replacement if the loss is less than
$2500 and.. - . . ANSWER ✓✓ The loss is also less than 5% of the
limit on the building
A three year old commercial building insured on in all risk form
suffers a roof, to Cave in. It is determined that the roof trusses
had a latent defect. How is the insured covered? - . . ANSWER
✓✓ There is coverage up to $10,000
A two year old commercial building Insured on an all Risk form,
suffers a roof caved in. It is determined that the roof trusses had
a (latent) defect. How is the insured covered? - . . ANSWER ✓✓
There is no coverage
, 3|Page
A windstorm that leads to interior damage of a home would only
be covered if... - . . ANSWER ✓✓ The wind storm first causing
opening in the walls or the roof
An HO-3 Policy, named peril protection for which of the
following? - . . ANSWER ✓✓ Contents only
An Insured commercial building Insured for $500,000 sustains
$100,000 in fire damage. Which of the following would NOT also
be automatically covered? - . . ANSWER ✓✓ Pollution cleanup at
a neighboring premises.
An insured commercial building is vandalized, which of the
following damage would be covered? - . . ANSWER ✓✓ An
antenna on top of the building
An insured has a standard farm policy with the EC endorsements
attached. Which of the following claims would NOT be covered - .
. ANSWER ✓✓ Collapse of the roof from the weight of snow and
ice
An insured may not - . . ANSWER ✓✓ Abandon property to the
insurance company
An insured who suffers a total loss of the dwelling is required by
new building codes to install a sprinkler system when the house
