TEXAS ALL LINES
ADJUSTER EXAM BRAND
NEW!! 2025 (200+
QUESTIONS AND CORRECT
ANSWERS) VERIFIED
ANSWERS
1. All v of v the v following v are v criteria v for v an v accident v to v have v occurred v "in v the v course
vof" vthe vemployment vunder va vworkers' vcompensation vpolicy, Vexcept
…ANS… vWhile vper- vforming va vtask vthat va vfellow vworker vrequested, vthat vwas vunusual vto vthe vemployee's vjob vdescription, vbut
voccurred von vthe vemployer's vpremises vduring vworking vhours.
2. Which v of v the v following v statements v is v NOT v TRUE v regarding v the v implied v war- vranties
vof van vOcean vMarine vpolicy?
…ANS… vThe vimplied vwarranties vare vattached vto vthe vpolicy vas van vendorse- vment..
3. Parmelia vis vcovered vunder vtwo vseparate vstandardized vPersonal vAutomobile vpolicies, vwith
vPart vC vlimits vunder vboth vpolicies vset vat v$200,000. vParmelia vis vin- vvolved vin van
vaccident vwith van vuninsured vmotorist vand vshe vsustains vbodily vinjury vdamages vfor
v$262,320. vHow vmuch vwill vParmelia vreceive vwhen vshe vsubmits va vclaim vfor vthese vdamages.
…ANS… v$200,000
4. Which v of v the v following v endorsements v must v be v attached v to v a v standard v Busi-
v nessowners v policy v for v coverage v to v apply v to v a v businesses v freezer v that v was vdamaged
vby vthe vinterruption vof va vpower vsource: v Utility vServices v- vDirect vDamage vendorsement.
v v
,5. After v completing v an v inspection v of v an v insured's v pressure v equipment v and v fire
v suppression v systems, v the v inspector v determines v that v the v pressure v equipment vneeds
v to v be v repaired v and v the v suppression v systems v have v not v been v cleaned v and vinspected
v in v the v time v frame v required v by v the v policy. v The v insurer v will.
…ANS… v Suspend vcoverage vimmediately vby vred vtagging vthe vitems vuntil vthey vare vrepaired, vcleaned vand vpass vreinspection
6. To vbe veligible vfor vcoverage vunder va vstandardized vDwelling vpolicy, vthe vinsured vmust
vnot vallow vmore vthan v boarders vto vlive von vthe vpremises.
…ANS… v5
7. All v of v the v following v are v "Perils v of v the v Sea" v under v an v Ocean v Marine v policy,
Vexcept.
…ANS… vPirates
8. The vamount vof vinsurance vcountersigned, vissued, vor vsold vby van vagent vor vproducer vto
vcover vimmediate vfamily vmembers, van vemployer, vor vemployees vis vknown vas.
…ANS… vControlled vbusiness
9. Which v of v the v following v standardized v Dwelling v insurance v forms v provides v cov- v erage
vfor vloss vof vrental vincome
…ANS… vThe vDP-1, vDP-2, vand vDP-3 vforms
10. The v "Part v B v - v Medical v Payments" v coverage v of v a v personal v automobile v policy vcovers
vinjuries vfor vall vof vthe vfollowing, Vexcept.
…ANS… vA vpassenger vwho vis vinjured vin vanother vvehicle vthat vis vstruck vby vthe vinsured's vvehicle vin van vaccident
v v
,11. Which v of v the v following v are v the v Texas v Workers' v Compensation v benefits v that vare
vincreased vby va vcost-of-living vadjustment v(COLAs):
…ANS… vLifetime vIncome vBenefits v(LIBs) vonly
12. Hannah vmust vtake vtime vaway vfrom vwork vto vhelp vassist vin vthe vinvestigation vof va
vclaim vthat vwas vmade vagainst vher vBOP vpolicy.
…ANS… vThe vpolicy vwill vpay vfor vHannah's vactual vloss vof vearnings vup vto:: v$250 vper vday.
13. Surplus vLines vcompanies vin vTexas vhave v v v v to vacknowledge vthe vreceipt vof va
…ANS… vclaim.v30 vdays.
14. All vof vthe vfollowing vare vcharacteristics vof va vprincipal vthat va vsurety vwill vscruti- vnize
vduring vthe vunderwriting vprocess, Vexcept.
…ANS… vConsideration.
15. Under v Section v II v of v a v Homeowners v policy, v a v cemetery v plot v owned v by v the
vinsured vis vconsidered vto vbe
…ANS… vAn vinsured vlocation.
16. Which vof vthe vfollowing vis vNOT vone vof vthe vfour vmajor vcoverages vof van vOcean
vMarine vpolicy?
…ANS… vSeaworthiness.
17. A vship vhas vsuffered vdamage vand vsunk. vWhich vof vthe vfollowing vwould vrespond vto vcover
vthe vloss vof vthe vship?
…ANS… vHull vInsurance.
18. As v a v fiduciary v agent, v an v adjuster v has v the v power v to v bind v the v insurer. v Which vof
vthe vfollowing vstatements vis vFALSE vregarding vthis vpower?
…ANS… vOnly van vadjuster's vwritten vstatements vcan vlegally vbind van vinsurer.
19. The v standardized v Dwelling v forms v consider v all v eruptions v of v a v volcano v within v a v
period vto vbe va vsingle v"occurrence".
…ANS… v72-hour
20. Whose vresponsibility vis vit vto vcomplete va v"proof vof vloss"?
…ANS… vThe vclaimant.
v v
, 21. Which vof vthe vfollowing vwould vNOT vbe vdetermined vby va vcourt vwhen van vinsurer v has vfiled
va vdeclaratory vjudgment vaction?
…ANS… vThe vtype vand vamount vof vdamages vthat vwill vbe vpaid vto va vplaintitt vfor vthe vclaim vthat vis vbeing vdisputed.
22. Which vof vthe vfollowing vstatements vis vTRUE vregarding vthe vHomeowners v"addi- vtiona
vcoverage" vknown vas vLandlord's vFurnishings?
…ANS… v The vcoverage vis vnot vadditional vinsurance vand vdoes vnot vincrease vthe vlimits vof vthe vpolicy.
23. Which vof vthe vfollowing vwould vbe vcovered vunder vthe vJones vAct?
…ANS… vCrew vmembers vof va vship.
24. All vof vthe vfollowing vstatements vare vtrue vregarding va vPersonal vLiability vSup- vplement,
Vexcept.
…ANS… vThe vpolicy vwill vcover vwatercraft vliability.
v v
ADJUSTER EXAM BRAND
NEW!! 2025 (200+
QUESTIONS AND CORRECT
ANSWERS) VERIFIED
ANSWERS
1. All v of v the v following v are v criteria v for v an v accident v to v have v occurred v "in v the v course
vof" vthe vemployment vunder va vworkers' vcompensation vpolicy, Vexcept
…ANS… vWhile vper- vforming va vtask vthat va vfellow vworker vrequested, vthat vwas vunusual vto vthe vemployee's vjob vdescription, vbut
voccurred von vthe vemployer's vpremises vduring vworking vhours.
2. Which v of v the v following v statements v is v NOT v TRUE v regarding v the v implied v war- vranties
vof van vOcean vMarine vpolicy?
…ANS… vThe vimplied vwarranties vare vattached vto vthe vpolicy vas van vendorse- vment..
3. Parmelia vis vcovered vunder vtwo vseparate vstandardized vPersonal vAutomobile vpolicies, vwith
vPart vC vlimits vunder vboth vpolicies vset vat v$200,000. vParmelia vis vin- vvolved vin van
vaccident vwith van vuninsured vmotorist vand vshe vsustains vbodily vinjury vdamages vfor
v$262,320. vHow vmuch vwill vParmelia vreceive vwhen vshe vsubmits va vclaim vfor vthese vdamages.
…ANS… v$200,000
4. Which v of v the v following v endorsements v must v be v attached v to v a v standard v Busi-
v nessowners v policy v for v coverage v to v apply v to v a v businesses v freezer v that v was vdamaged
vby vthe vinterruption vof va vpower vsource: v Utility vServices v- vDirect vDamage vendorsement.
v v
,5. After v completing v an v inspection v of v an v insured's v pressure v equipment v and v fire
v suppression v systems, v the v inspector v determines v that v the v pressure v equipment vneeds
v to v be v repaired v and v the v suppression v systems v have v not v been v cleaned v and vinspected
v in v the v time v frame v required v by v the v policy. v The v insurer v will.
…ANS… v Suspend vcoverage vimmediately vby vred vtagging vthe vitems vuntil vthey vare vrepaired, vcleaned vand vpass vreinspection
6. To vbe veligible vfor vcoverage vunder va vstandardized vDwelling vpolicy, vthe vinsured vmust
vnot vallow vmore vthan v boarders vto vlive von vthe vpremises.
…ANS… v5
7. All v of v the v following v are v "Perils v of v the v Sea" v under v an v Ocean v Marine v policy,
Vexcept.
…ANS… vPirates
8. The vamount vof vinsurance vcountersigned, vissued, vor vsold vby van vagent vor vproducer vto
vcover vimmediate vfamily vmembers, van vemployer, vor vemployees vis vknown vas.
…ANS… vControlled vbusiness
9. Which v of v the v following v standardized v Dwelling v insurance v forms v provides v cov- v erage
vfor vloss vof vrental vincome
…ANS… vThe vDP-1, vDP-2, vand vDP-3 vforms
10. The v "Part v B v - v Medical v Payments" v coverage v of v a v personal v automobile v policy vcovers
vinjuries vfor vall vof vthe vfollowing, Vexcept.
…ANS… vA vpassenger vwho vis vinjured vin vanother vvehicle vthat vis vstruck vby vthe vinsured's vvehicle vin van vaccident
v v
,11. Which v of v the v following v are v the v Texas v Workers' v Compensation v benefits v that vare
vincreased vby va vcost-of-living vadjustment v(COLAs):
…ANS… vLifetime vIncome vBenefits v(LIBs) vonly
12. Hannah vmust vtake vtime vaway vfrom vwork vto vhelp vassist vin vthe vinvestigation vof va
vclaim vthat vwas vmade vagainst vher vBOP vpolicy.
…ANS… vThe vpolicy vwill vpay vfor vHannah's vactual vloss vof vearnings vup vto:: v$250 vper vday.
13. Surplus vLines vcompanies vin vTexas vhave v v v v to vacknowledge vthe vreceipt vof va
…ANS… vclaim.v30 vdays.
14. All vof vthe vfollowing vare vcharacteristics vof va vprincipal vthat va vsurety vwill vscruti- vnize
vduring vthe vunderwriting vprocess, Vexcept.
…ANS… vConsideration.
15. Under v Section v II v of v a v Homeowners v policy, v a v cemetery v plot v owned v by v the
vinsured vis vconsidered vto vbe
…ANS… vAn vinsured vlocation.
16. Which vof vthe vfollowing vis vNOT vone vof vthe vfour vmajor vcoverages vof van vOcean
vMarine vpolicy?
…ANS… vSeaworthiness.
17. A vship vhas vsuffered vdamage vand vsunk. vWhich vof vthe vfollowing vwould vrespond vto vcover
vthe vloss vof vthe vship?
…ANS… vHull vInsurance.
18. As v a v fiduciary v agent, v an v adjuster v has v the v power v to v bind v the v insurer. v Which vof
vthe vfollowing vstatements vis vFALSE vregarding vthis vpower?
…ANS… vOnly van vadjuster's vwritten vstatements vcan vlegally vbind van vinsurer.
19. The v standardized v Dwelling v forms v consider v all v eruptions v of v a v volcano v within v a v
period vto vbe va vsingle v"occurrence".
…ANS… v72-hour
20. Whose vresponsibility vis vit vto vcomplete va v"proof vof vloss"?
…ANS… vThe vclaimant.
v v
, 21. Which vof vthe vfollowing vwould vNOT vbe vdetermined vby va vcourt vwhen van vinsurer v has vfiled
va vdeclaratory vjudgment vaction?
…ANS… vThe vtype vand vamount vof vdamages vthat vwill vbe vpaid vto va vplaintitt vfor vthe vclaim vthat vis vbeing vdisputed.
22. Which vof vthe vfollowing vstatements vis vTRUE vregarding vthe vHomeowners v"addi- vtiona
vcoverage" vknown vas vLandlord's vFurnishings?
…ANS… v The vcoverage vis vnot vadditional vinsurance vand vdoes vnot vincrease vthe vlimits vof vthe vpolicy.
23. Which vof vthe vfollowing vwould vbe vcovered vunder vthe vJones vAct?
…ANS… vCrew vmembers vof va vship.
24. All vof vthe vfollowing vstatements vare vtrue vregarding va vPersonal vLiability vSup- vplement,
Vexcept.
…ANS… vThe vpolicy vwill vcover vwatercraft vliability.
v v
