Illinios Public Adjuster Exam Bank Illinios Public Adjuster Practice Exam 2025 Actual Exam Questions And Correct Detailed Answers (Verified Answers) All Answered -116 Q &A-

1 || |P |a |g
|e




ILLINIOS PUBLIC ADJUSTER EXAM BANK ILLINIOS PUBLIC
ADJUSTER PRACTICE EXAM 2025 ACTUAL EXAM QUESTIONS
AND CORRECT DETAILED ANSWERS (VERIFIED ANSWERS) ALL
ANSWERED {116 Q &A}



HO-3 policy provides replacement cost protection for which
| | | | | | |



property below?
| |




A. Personal property |




B. Animals and birds | |




C. Dwellings and other structures | | |




D. All of Above - ✔✔✔ Correct Answer > All of the above
| | | | | | | | | | |




How many days does an insured have to complete a signed,
| | | | | | | | | |



sworn proof of loss? - ✔✔✔ Correct Answer > 60 days after the Insurer
| | | | | | | | | | | | | |



request it
| |




Which of the following is not a prohibited action of a public
| | | | | | | | | | |



adjuster - ✔✔✔ Correct Answer > Commencing repairs pending
| | | | | | | | |



adjustment of a claim
| | | |

,2 || |P |a |g
|e




A windstorm that leads to interior damage of a home would
| | | | | | | | | |



only be covered if... - ✔✔✔ Correct Answer > The wind storm first
| | | | | | | | | | | | |



causing opening in the walls or the roof
| | | | | | | |




Which of the following would be covered on a home owners
| | | | | | | | | |



policy? - ✔✔✔ Correct Answer > Damage to floors caused by
| | | | | | | | | | |




Busting pipes inside the house | | | |




Which of the following is covered under a homeowners policy -
| | | | | | | | | |



✔✔✔ Correct Answer > Hostile fire
| | | | |




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.. - ✔✔✔ Correct Answer > The loss is also less than 5% of
| | | | | | | | | | | | | |



the limit on the building
| | | | |




Which of the following home owners forms does not cover
| | | | | | | | |



buildings - ✔✔✔ Correct Answer > HO-4 ex. Covers pets
| | | | | | | | | |




Under a farm owners policy, which would be the most
| | | | | | | | |



appropriate coverage for a farm tractor? - ✔✔✔ Correct Answer >
| | | | | | | | | | |



Coverage E
| |

, 3 || |P |a |g
|e




What kind of losses can a commercial property insurance cover?
| | | | | | | | |



- ✔✔✔ Correct Answer > Direct and indirect losses
| | | | | | | |




Commercial property policy with basic causes of laws which | | | | | | | |



exclude which of the following acts of vandalism?
| | | | | | | |




A. An antenna on top of the building
| | | | | | |




B. chemicals through onto a buildings roof
| | | | | |




C. Spray painting on a building walls
| | | | | |




D. All of Above - ✔✔✔ Correct Answer > D. All of above
| | | | | | | | | | | |




An insured commercial building is vandalized, which of the
| | | | | | | |



following damage would be covered? - ✔✔✔ Correct Answer > An
| | | | | | | | | | |



antenna on top of the building
| | | | | |




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 - ✔✔✔ Correct Answer > The
| | | | | | | | | | | |



sprinkler system will be covered up to $10,000 or 5% of the
| | | | | | | | | | | |



building limit, which ever is less
| | | | | |




If an insured commercial building insured for $500,000 sustains a
| | | | | | | | |



$100,000 in fire damage. Which of the following could not also be
| | | | | | | | | | |