Hawaii Adjusters Practice Test questions and
answers 2025\2026 A+ Grade
Under the Standard Fire policy, how many days of coverage is provided by the policy to cover property
moved to another location when the property is endangered by the perils insured against under the
policy?
- correct answer 5 days
When the Hawaii Department is investigating possible insurance law violations, the Commissioner will
pay all of the following, EXCEPT:
Answer Choices:
Cost to search for items designated by the subpoena.
Mileage for witnesses to attend the hearing.
Costs to reproduce records relating to the case.
Costs to transport the books, papers, documents or records relating to the case.
- correct answer Mileage for witnesses to attend the hearing
What is the bond limit that is required for a public adjuster's license?
- correct answer $10,000
What section of an insurance contract contains the terms used throughout the policy?
- correct answer Definitions
Under the National Flood Insurance Program, replacement cost coverage is available for:
- correct answer Single family dwellings only.
In order to receive full replacement cost recovery on a covered loss under a BOP, the named insured
must maintain insurance limits equal to at least what percentage of the covered property's full
replacement value?
- correct answer 80% of the property value
, The inland marine coverage form that covers clothing, cameras and other portable property worn or
carried by tourists and travelers is a
- correct answer Personal effects floater
A Commercial General Liability form provides automatic coverage for newly acquired organizations for
up to
- correct answer 90 Days
Under the Additional Coverages of the Businessowners Property forms, property removed to protect it
from loss will be covered at another location for up to
- correct answer 30 Days
Garagekeepers specified causes of loss coverage would apply to each of the following, EXCEPT:
Fire, Windstorm, Falling Objects, or Lightening
- correct answer Windstorm
If there were other existing insurance, coverage under crime insurance would be
- correct answer Pro Rated
How long must a foreign or alien insurer have transacted business elsewhere in order to transact
business in Hawaii?
- correct answer 5 Years
Under the Commercial Property Liberalization Clause, if the insurer makes any coverage revision which
broadens the coverage without an additional premium charge, it will automatically apply to existing
policies if the revision is adopted during the policy term or within:
- correct answer 45 days prior to the effective date
What is the binding authority of a Surplus Lines Broker?
- correct answer A surplus broker does not have the authority to bind risks
Under the discovery clause in the loss sustained policy, which of the following is covered?
- correct answer A loss discovered up to one year after the policy expired but that occurred during the
policy period
answers 2025\2026 A+ Grade
Under the Standard Fire policy, how many days of coverage is provided by the policy to cover property
moved to another location when the property is endangered by the perils insured against under the
policy?
- correct answer 5 days
When the Hawaii Department is investigating possible insurance law violations, the Commissioner will
pay all of the following, EXCEPT:
Answer Choices:
Cost to search for items designated by the subpoena.
Mileage for witnesses to attend the hearing.
Costs to reproduce records relating to the case.
Costs to transport the books, papers, documents or records relating to the case.
- correct answer Mileage for witnesses to attend the hearing
What is the bond limit that is required for a public adjuster's license?
- correct answer $10,000
What section of an insurance contract contains the terms used throughout the policy?
- correct answer Definitions
Under the National Flood Insurance Program, replacement cost coverage is available for:
- correct answer Single family dwellings only.
In order to receive full replacement cost recovery on a covered loss under a BOP, the named insured
must maintain insurance limits equal to at least what percentage of the covered property's full
replacement value?
- correct answer 80% of the property value
, The inland marine coverage form that covers clothing, cameras and other portable property worn or
carried by tourists and travelers is a
- correct answer Personal effects floater
A Commercial General Liability form provides automatic coverage for newly acquired organizations for
up to
- correct answer 90 Days
Under the Additional Coverages of the Businessowners Property forms, property removed to protect it
from loss will be covered at another location for up to
- correct answer 30 Days
Garagekeepers specified causes of loss coverage would apply to each of the following, EXCEPT:
Fire, Windstorm, Falling Objects, or Lightening
- correct answer Windstorm
If there were other existing insurance, coverage under crime insurance would be
- correct answer Pro Rated
How long must a foreign or alien insurer have transacted business elsewhere in order to transact
business in Hawaii?
- correct answer 5 Years
Under the Commercial Property Liberalization Clause, if the insurer makes any coverage revision which
broadens the coverage without an additional premium charge, it will automatically apply to existing
policies if the revision is adopted during the policy term or within:
- correct answer 45 days prior to the effective date
What is the binding authority of a Surplus Lines Broker?
- correct answer A surplus broker does not have the authority to bind risks
Under the discovery clause in the loss sustained policy, which of the following is covered?
- correct answer A loss discovered up to one year after the policy expired but that occurred during the
policy period
