1
ADJUSTERPRO PRACTICE EXAM ACTUAL
2025/2026 QUESTIONS AND 100%
CORRECT ANSWERS
Which of the following is NOT true of Personal Injury Protection?
A. PIP is usually secondary coverage.
B. PIP restricts the policyholder's right to recover losses in civil court.
C. PIP is primary coverage.
D. PIP provides no-fault protection. - (ANSWER)A. PIP is usually secondary
coverage.
During a strong storm, Missy's grain drill was mangled by a tornado, which
rendered it useless. Before the damage, the grain drill was worth $25,000, but it
would cost $45,000 to buy a new one today. Missy's farm policy has a
replacement cost endorsement, and the grain drill is scheduled on a Mobile
Agricultural Machinery and Equipment form with a $36,000 limit. Missy replaces
her grain drill with one she found on sale for $40,000. How much total
indemnification will she receive?
A. $36,000
B. $25,000
C. $45,000
D. $40,000 - (ANSWER)$36,000
Farmer Scott owns a farm and raises goats, producing a lot of manure.
Occasionally, after a strong rain, some of the waste washes into a nearby river.
, 2
Which insurance coverage can protect Scott from any liability caused by the goat
waste runoff?
A. Farm Product Liability
B. Custom Farming Liability
C. Farm Livestock-Waste Liability
D. Farm Pollution Liability - (ANSWER)D. Farm Pollution Liability
Christine's spinach field was partially destroyed by fire that resulted from a
lightning strike during a recent storm. She lost 23 of her 150 acres. The adjuster
writes her a check for the value of the damaged 23 acres, even though the yield
from the rest of the field is doing exceptionally well and may make up for the
damaged portion. What type of insurance policy does Christine have?
A. Revenue Protection
B. Multi-Peril Crop Insurance
C. Crop-Hail
D. Yield Guarantee - (ANSWER)christine has CROP-HAIL POLICY for her spinach
field of 150 acres
Veronica owns a pottery business and is insured under a commercial property
policy. She was in the process of building an extra structure for the sole purpose
of kiln firing her pottery when a massive storm came through and blew down all
the scaffolding, which added additional cost to the construction project. Which
coverage extension of the Builder's Risk Coverage Form would cover the
scaffolding?
A. Scaffolding, Construction Forms, and Temporary Structures
ADJUSTERPRO PRACTICE EXAM ACTUAL
2025/2026 QUESTIONS AND 100%
CORRECT ANSWERS
Which of the following is NOT true of Personal Injury Protection?
A. PIP is usually secondary coverage.
B. PIP restricts the policyholder's right to recover losses in civil court.
C. PIP is primary coverage.
D. PIP provides no-fault protection. - (ANSWER)A. PIP is usually secondary
coverage.
During a strong storm, Missy's grain drill was mangled by a tornado, which
rendered it useless. Before the damage, the grain drill was worth $25,000, but it
would cost $45,000 to buy a new one today. Missy's farm policy has a
replacement cost endorsement, and the grain drill is scheduled on a Mobile
Agricultural Machinery and Equipment form with a $36,000 limit. Missy replaces
her grain drill with one she found on sale for $40,000. How much total
indemnification will she receive?
A. $36,000
B. $25,000
C. $45,000
D. $40,000 - (ANSWER)$36,000
Farmer Scott owns a farm and raises goats, producing a lot of manure.
Occasionally, after a strong rain, some of the waste washes into a nearby river.
, 2
Which insurance coverage can protect Scott from any liability caused by the goat
waste runoff?
A. Farm Product Liability
B. Custom Farming Liability
C. Farm Livestock-Waste Liability
D. Farm Pollution Liability - (ANSWER)D. Farm Pollution Liability
Christine's spinach field was partially destroyed by fire that resulted from a
lightning strike during a recent storm. She lost 23 of her 150 acres. The adjuster
writes her a check for the value of the damaged 23 acres, even though the yield
from the rest of the field is doing exceptionally well and may make up for the
damaged portion. What type of insurance policy does Christine have?
A. Revenue Protection
B. Multi-Peril Crop Insurance
C. Crop-Hail
D. Yield Guarantee - (ANSWER)christine has CROP-HAIL POLICY for her spinach
field of 150 acres
Veronica owns a pottery business and is insured under a commercial property
policy. She was in the process of building an extra structure for the sole purpose
of kiln firing her pottery when a massive storm came through and blew down all
the scaffolding, which added additional cost to the construction project. Which
coverage extension of the Builder's Risk Coverage Form would cover the
scaffolding?
A. Scaffolding, Construction Forms, and Temporary Structures
