GEORGIA CLAIMS ADJUSTER LICENSING EXAM LATEST ACTUAL QUESTIONS AND CORRECT ANSWERS

GEORGIA CLAIMS ADJUSTER LICENSING
EXAM LATEST 2025-2026 ACTUAL
QUESTIONS AND CORRECT ANSWERS



Difference in Conditions (DIC) Insurance || || || ||




A separate insurance policy that provides open-perils coverage to fill
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in the gaps left by flood coverage if a home is worth over $250K.
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Coverage is produced through Excess/Surplus Lines.
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What is the waiting period on NFIP coverage?
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|| 30 days after policy purchase
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What is the coverage change waiting period for the
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NFIP? 5 days
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,Give examples of the flood peril
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- an overflow of inland or tidal waters
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- unusual or rapid accumulation or runoff of surface waters
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-Mudflow or Mudslide || ||




- Collapse of land along the shore of a lake as a result of erosion
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What kinds of things does flood insurance cover?
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Your house and your things (dwelling and personal property). No
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indirect charges.
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Dwelling coverage extension for flood insurance covers what? How
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much is it?
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Structures not attached to dwelling (O.S. or Appurtenant
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structures). 10% of Dwelling limit. ***It is an extension of
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coverage, NOT the
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$250K limit so any coverage needed here will reduce the amount
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able to go to the dwelling.
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What coverage does Community Eligibility apply to?
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|| Flood insurance through FEMA
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,What's the difference between Emergency Program and Regular
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Program in the National Flood Insurance Program?
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Emergency applies to homes in communities that are a normally
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not a flood hazard. Regular programs are awarded to an entire
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community that is eligible due to flood hazard. || || || || || || ||




What is the flood coverage on a regular program in a 1-4 Family
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Dwelling?
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$250,000




On what policy can you add the Flood Program endorsement?
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|| None! It has its own policy through the Federal Government.
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Contents coverage of flood insurance is limited to what?
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Personal property damaged or destroyed by the flood itself
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and belongs to insured and resident spouse/relatives. The
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insured is liable for content of others.
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, What are the coverages of flood insurance?
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Dwelling, Contents, Debris Removal
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How are damaged items valued in flood coverage?
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Dwelling - replacement cost
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Contents - Actual Cash Value
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What kind of property is not covered by flood insurance?
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Basements and underground structure (ex. septic tanks), animals,
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money/accounts/bills, land, anything else covered by other policies
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(motor vehicles, aircraft, watercraft)
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Loss Valuation on flood insurance
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(amount of insurance purchased/80% Dwellings Total replacement
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cost) x Loss Amount
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Standard deductible on flood insurance
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