TEXAS ALL LINES
ADJUSTER EXAM
BRAND NEW!! 2025 (200+
QUESTIONS AND
CORRECT ANSWERS)
VERIFIED ANSWERS
1. A v severe v thunderstorm v damaged v a v policyholder's v residence. v He v called v and vasked v how
v long v it v would v be v before v he v receives v payment v for v his v claim. v Which v of vthe vfollowing
vwould vNOT vbe van vappropriate vresponse?
...ANS… vWe vhave v6 vmonths vto vreach va vfinal vsettlement vwith vyou.
2. Janelle vhas vjust vgraduated vcollege vand vis vinterested vin vbecoming van vadjuster. vshe
vwould vlike vto vbe vable vto vhandle vany vtype vof vclaim. vThe vmost vcomprehensive vtype vof
vlicense vwould vbe.
...ANS… vAll-Lines
3. Jack vand vRebecca vown va vvacation vhome von vGalveston vIsland vwhich vthey vhave vinsured
vunder van vHO-3 vpolicy. vAfter va vweek vlong vwinter vski vtrip vto vAspen,
they v return v home v to v find v their v house v burglarized v and v their v 50" v TV, v computer
v equipment, v jewelry, v a v valuable v gun v collection v and v some v fishing v equipment v stolen.
vHow vwould vtheir vHO-3 vpolicy vrespond vto vthis vloss?
...ANS… vThe ventire vtheft vloss vwould vbe vcovered vunder vCoverage vC. vsubject vthe vpolicy vlimits vand vto vcertain vlimitations.
v v
, 4. The voldest vform vof vinsurance vknown vto vexist vis.
...ANS… vOcean vMarine vInsurance
5. How vis van vinjured vemployee's vweekly vcompensation vrate vfor vTemporary vIn- vcome
vBenefits v(TIBS) vcalculated vunder vTexas vWork
Comp vlaws?
...ANS… vThe vcomp vrate v= v(AWW v- vPost vInjury vEarnings) v× v70%
6. In vworkers vcompensation, van v"injury vis vdefined vto vmean.
...ANS… vpersonal vinjury vor vdeath vby v"accident", varising vout vof vwork vperformed vin vthe vcourse vof vemployment.
7. Justin vis va vProperty vadjuster vfor vXYZ vInsurance vCompany. vHe vreceives va vclaim vinvolving
vthe vtheft vloss vof vvarious vtypes vof vproperty. vJustin's vinitial vresponsibility vupon vinvestigating
vthe vloss vis vto vfirst vdetermine.
...ANS… vIf vcoverage vexists
8. Jim v is v a v public v adjuster. v He v has v an v arrangement v with v a v water v extraction vcompany
v who v pays v him v a v commission v of v 10% v for v every v referral v that v Jim v sends vtheir vway.
vWhich vof vthe vfollowing vstatements vis vcorrect?
. ...ANS… vThis varrangement vreflects va vbreach vof vethical vconduct vand va vviolation vthat vcould vjeopardize vJim's vlicensure.
9. Which v of v the v following v would v NOT v be v covered v under v Coverage v C v Personal
vProperty?
...ANS… vYour v10-year vold vGerman vShepherd vchokes von va vbone vand vpasses vaway.
10. A v tornado v strikes v a v duplex v that v is v insured v under v a v Dwelling v (DP-3) v policy.
vWhich vof vthe vfollowing vwould vNOT vbe vcovered vby vthe vDwelling vpolicy?
...ANS… vDamage vto vanother vduplex vright vnext vdoor, valso vowned vby vthe vlandlord.
v v
,11. Common v carriers v (i.e. v 18-wheelers, v trains, v planes, v etc.) v are v responsible v for vdamage
v to v customer v goods v they v transport v EXCEPT v for v damages v resulting vfrom.
...ANS… vActs vof vGod
12. You v have v just v started v your v career v handling v Texas v workers' v compensation vclaims.
v Which v one v of v the v following v WOULD v BE v considered v a v violation v of v the vTexas vUnfair
vClaim vSettlement vPractices vAct?
...ANS… vNot vresponding vto van vemployee's vcalls vbecause vyou're voverworked vand vthe vclaim vinvolves vcomplex vissues vyou
vjust vdon't vfeel vlike vaddressing.
13. Which v type v of v bond v would v be v used v to v cover v the v exposure v to v employee
vtheft?
...ANS… vFidelity vbond
14. Garrett v wants v a v Texas v All v Lines v Adjuster's v license. v Which v of v the v following vactions
vwill vbe vnecessary vfor vGarrett vto vsecure vsuch va vlicense?
...ANS… vPass va vstate vqualifying vexam vor vpre-licensing vcourse vthat vis vcertified vby vthe vTexas vDepartment vof vInsurance vthat
vincludes van vapproved, vcomprehensive vfinal vexamination vof v150 vquestions, vand vattach vthe vCertificate vof vCompletion vto van vapplication
vfor vlicensure.
15. The vDP.3 vDwelling vform vis van v"Open vRisk" vpolicy. vThis vmeans vthat
...ANS… vAllvrisksvofvdirect vphysical vloss vare vcovered vunless vthey vare vexcluded
16. Assume v your v home v caught v fire v due v to v a v faulty v electrical v device. v and v one vmonth
v after v the v fire v you v receive v a v bill v from v the v fire v department v for v $450.00 v for
v responding v to v the v fire. v Would v this v be v paid v under v your v homeowner's v policy?
...ANS… v Yes. vIt vis vcalled vFire vDepartment vService vCharge vand vis van vAdditional vCoverage vprovided vunder vthe vpolicy, vlimited vto
v$500.
17. Generally, vif van vemployee vsuffers van voccupational vinjury vand vaccepts vworkers' v compensation
vbenefits, vhe vor vshe.
...ANS… Gives vup vthe vright vto vsue vthe vemployer vfor vpersonal vinjury vand vpain vand vsuttering. vThe vemployee vcan vonly
vmake vclaim vfor vworkers' vcompensation vbenefits.
18. Janelle vhas va vTexas vPersonal vAuto vPolicy vwith v30/60/25 vpolicy vlimits. vShe vhits va vcar
v v
, vwith v4 voccupants, vall vof vwhom vare vhurt.
They vall vsue. vEach vof vthe vinjured vparties vreceives videntical vverdicts vof v$40,000. vUnder
vJanelle's vbodily vinjury vliability vcoverage, vwhat vis vthe vtotal vamount vthat vthe vcompany vwou
vpay vfor vthe vinjuries vto vthese vplaintiffs?
...ANS… $60,000
19. A vperson vor ventity vwho vguarantees vthe vperformance vor vpayment vof vone vparty vwho vis
vobligated vby vcontract vto vanother vis vcalled va.
...ANS… Surety
v v
ADJUSTER EXAM
BRAND NEW!! 2025 (200+
QUESTIONS AND
CORRECT ANSWERS)
VERIFIED ANSWERS
1. A v severe v thunderstorm v damaged v a v policyholder's v residence. v He v called v and vasked v how
v long v it v would v be v before v he v receives v payment v for v his v claim. v Which v of vthe vfollowing
vwould vNOT vbe van vappropriate vresponse?
...ANS… vWe vhave v6 vmonths vto vreach va vfinal vsettlement vwith vyou.
2. Janelle vhas vjust vgraduated vcollege vand vis vinterested vin vbecoming van vadjuster. vshe
vwould vlike vto vbe vable vto vhandle vany vtype vof vclaim. vThe vmost vcomprehensive vtype vof
vlicense vwould vbe.
...ANS… vAll-Lines
3. Jack vand vRebecca vown va vvacation vhome von vGalveston vIsland vwhich vthey vhave vinsured
vunder van vHO-3 vpolicy. vAfter va vweek vlong vwinter vski vtrip vto vAspen,
they v return v home v to v find v their v house v burglarized v and v their v 50" v TV, v computer
v equipment, v jewelry, v a v valuable v gun v collection v and v some v fishing v equipment v stolen.
vHow vwould vtheir vHO-3 vpolicy vrespond vto vthis vloss?
...ANS… vThe ventire vtheft vloss vwould vbe vcovered vunder vCoverage vC. vsubject vthe vpolicy vlimits vand vto vcertain vlimitations.
v v
, 4. The voldest vform vof vinsurance vknown vto vexist vis.
...ANS… vOcean vMarine vInsurance
5. How vis van vinjured vemployee's vweekly vcompensation vrate vfor vTemporary vIn- vcome
vBenefits v(TIBS) vcalculated vunder vTexas vWork
Comp vlaws?
...ANS… vThe vcomp vrate v= v(AWW v- vPost vInjury vEarnings) v× v70%
6. In vworkers vcompensation, van v"injury vis vdefined vto vmean.
...ANS… vpersonal vinjury vor vdeath vby v"accident", varising vout vof vwork vperformed vin vthe vcourse vof vemployment.
7. Justin vis va vProperty vadjuster vfor vXYZ vInsurance vCompany. vHe vreceives va vclaim vinvolving
vthe vtheft vloss vof vvarious vtypes vof vproperty. vJustin's vinitial vresponsibility vupon vinvestigating
vthe vloss vis vto vfirst vdetermine.
...ANS… vIf vcoverage vexists
8. Jim v is v a v public v adjuster. v He v has v an v arrangement v with v a v water v extraction vcompany
v who v pays v him v a v commission v of v 10% v for v every v referral v that v Jim v sends vtheir vway.
vWhich vof vthe vfollowing vstatements vis vcorrect?
. ...ANS… vThis varrangement vreflects va vbreach vof vethical vconduct vand va vviolation vthat vcould vjeopardize vJim's vlicensure.
9. Which v of v the v following v would v NOT v be v covered v under v Coverage v C v Personal
vProperty?
...ANS… vYour v10-year vold vGerman vShepherd vchokes von va vbone vand vpasses vaway.
10. A v tornado v strikes v a v duplex v that v is v insured v under v a v Dwelling v (DP-3) v policy.
vWhich vof vthe vfollowing vwould vNOT vbe vcovered vby vthe vDwelling vpolicy?
...ANS… vDamage vto vanother vduplex vright vnext vdoor, valso vowned vby vthe vlandlord.
v v
,11. Common v carriers v (i.e. v 18-wheelers, v trains, v planes, v etc.) v are v responsible v for vdamage
v to v customer v goods v they v transport v EXCEPT v for v damages v resulting vfrom.
...ANS… vActs vof vGod
12. You v have v just v started v your v career v handling v Texas v workers' v compensation vclaims.
v Which v one v of v the v following v WOULD v BE v considered v a v violation v of v the vTexas vUnfair
vClaim vSettlement vPractices vAct?
...ANS… vNot vresponding vto van vemployee's vcalls vbecause vyou're voverworked vand vthe vclaim vinvolves vcomplex vissues vyou
vjust vdon't vfeel vlike vaddressing.
13. Which v type v of v bond v would v be v used v to v cover v the v exposure v to v employee
vtheft?
...ANS… vFidelity vbond
14. Garrett v wants v a v Texas v All v Lines v Adjuster's v license. v Which v of v the v following vactions
vwill vbe vnecessary vfor vGarrett vto vsecure vsuch va vlicense?
...ANS… vPass va vstate vqualifying vexam vor vpre-licensing vcourse vthat vis vcertified vby vthe vTexas vDepartment vof vInsurance vthat
vincludes van vapproved, vcomprehensive vfinal vexamination vof v150 vquestions, vand vattach vthe vCertificate vof vCompletion vto van vapplication
vfor vlicensure.
15. The vDP.3 vDwelling vform vis van v"Open vRisk" vpolicy. vThis vmeans vthat
...ANS… vAllvrisksvofvdirect vphysical vloss vare vcovered vunless vthey vare vexcluded
16. Assume v your v home v caught v fire v due v to v a v faulty v electrical v device. v and v one vmonth
v after v the v fire v you v receive v a v bill v from v the v fire v department v for v $450.00 v for
v responding v to v the v fire. v Would v this v be v paid v under v your v homeowner's v policy?
...ANS… v Yes. vIt vis vcalled vFire vDepartment vService vCharge vand vis van vAdditional vCoverage vprovided vunder vthe vpolicy, vlimited vto
v$500.
17. Generally, vif van vemployee vsuffers van voccupational vinjury vand vaccepts vworkers' v compensation
vbenefits, vhe vor vshe.
...ANS… Gives vup vthe vright vto vsue vthe vemployer vfor vpersonal vinjury vand vpain vand vsuttering. vThe vemployee vcan vonly
vmake vclaim vfor vworkers' vcompensation vbenefits.
18. Janelle vhas va vTexas vPersonal vAuto vPolicy vwith v30/60/25 vpolicy vlimits. vShe vhits va vcar
v v
, vwith v4 voccupants, vall vof vwhom vare vhurt.
They vall vsue. vEach vof vthe vinjured vparties vreceives videntical vverdicts vof v$40,000. vUnder
vJanelle's vbodily vinjury vliability vcoverage, vwhat vis vthe vtotal vamount vthat vthe vcompany vwou
vpay vfor vthe vinjuries vto vthese vplaintiffs?
...ANS… $60,000
19. A vperson vor ventity vwho vguarantees vthe vperformance vor vpayment vof vone vparty vwho vis
vobligated vby vcontract vto vanother vis vcalled va.
...ANS… Surety
v v
