11/25/25, 8:24 AM Insurance Adjuster EXAM (updated 2025) Questions & Answers | Latest Already Graded A+ UPDATE 2025|2026 Flashcards | Qui…
Insurance Adjuster EXAM (updated 2025)
Questions & Answers | Latest Already Graded A+
UPDATE 2025|2026
Save
Terms in this set (203)
Which kind of losses are Direct
covered under a standard
fire policy?
All fires are not covered are hostile and have a flame or glow
by the Standard Fire
policies, only those that:
At what time does a fire 12:01am standard time at the location of the insured's
policy go into affect? property
A property is insured $5,000
under two Standard Fire
policies for $25,000 each.
A fire causes $10,000
worth of damage. What is
the maximum amount the
insured may collect under
each policy?
A fire burning in the a hostile fire
middle of the living room
would be considered:
https://quizlet.com/1113056273/insurance-adjuster-exam-updated-2025-questions-answers-latest-already-graded-a-update-20252026-flash-cards/?new 1/19
,11/25/25, 8:24 AM Insurance Adjuster EXAM (updated 2025) Questions & Answers | Latest Already Graded A+ UPDATE 2025|2026 Flashcards | Qui…
An insured's house is subrogation
damaged by fire caused
by a neighbor's
negligence. The insurance
company will attempt to
recover damage from the
neighbor. This is called:
Which of the following The insured must separate damaged from undamaged
statements are true property in the event there is a loss AND If a loss
concerning requirements occurs, the insured normally has 60 days to file a
of the standard fire proof of loss with the insurer
policy?
Which types of property accounts, currency, deeds, and securities
are excluded from
coverage under the basic
fire policy?
Who is insured under the the named insured and his legal representatives
Standard Fire policy?
An agreement which a binder
affords temporary
insurance protection until
the policy is issued is
called:
as a general rule, a the Standard Fire policy with one or more forms
complete fire insurance attached
policy would be made up
of:
The one condition listed over-insurance
below which will not void
a fire policy:
a) false swearing
b) misrepresentation
c) over-insurance
d) concealment
https://quizlet.com/1113056273/insurance-adjuster-exam-updated-2025-questions-answers-latest-already-graded-a-update-20252026-flash-cards/?new 2/19
, 11/25/25, 8:24 AM Insurance Adjuster EXAM (updated 2025) Questions & Answers | Latest Already Graded A+ UPDATE 2025|2026 Flashcards | Qui…
replacement cost minus Actual Cash Value (ACV)
depreciation:
The Standard Fire policy riot
with an extended
coverage endorsement
attached covers which of
the following:
is excluded unless the loss occurs because of an
A loss due to order of Civil
order by Civil Authorities for the purpose of
Authority:
controlling a fire
The term "unoccupancy" persons from a building
refers to the absence of :
Suppose a fire occurs on 60 days after April 30th
February 26th. On April
30th, the insurance
company notifies the
mortgagee the insured
has not filed a proof of
loss. To protect their
interest, the mortgagee
must file a proof of loss
within _________ days after
what date?
For recovery under the be named in the policy and show an insurable interest
Standard Fire policy, a in the property at the time the loss occurs
party must:
What is the requirement None
on how much experience
one must have to be
elected the insurance
commissioner in Georgia?
Once elected, how long is 4 years
the insurance
commissioner's term?
https://quizlet.com/1113056273/insurance-adjuster-exam-updated-2025-questions-answers-latest-already-graded-a-update-20252026-flash-cards/?new 3/19
Insurance Adjuster EXAM (updated 2025)
Questions & Answers | Latest Already Graded A+
UPDATE 2025|2026
Save
Terms in this set (203)
Which kind of losses are Direct
covered under a standard
fire policy?
All fires are not covered are hostile and have a flame or glow
by the Standard Fire
policies, only those that:
At what time does a fire 12:01am standard time at the location of the insured's
policy go into affect? property
A property is insured $5,000
under two Standard Fire
policies for $25,000 each.
A fire causes $10,000
worth of damage. What is
the maximum amount the
insured may collect under
each policy?
A fire burning in the a hostile fire
middle of the living room
would be considered:
https://quizlet.com/1113056273/insurance-adjuster-exam-updated-2025-questions-answers-latest-already-graded-a-update-20252026-flash-cards/?new 1/19
,11/25/25, 8:24 AM Insurance Adjuster EXAM (updated 2025) Questions & Answers | Latest Already Graded A+ UPDATE 2025|2026 Flashcards | Qui…
An insured's house is subrogation
damaged by fire caused
by a neighbor's
negligence. The insurance
company will attempt to
recover damage from the
neighbor. This is called:
Which of the following The insured must separate damaged from undamaged
statements are true property in the event there is a loss AND If a loss
concerning requirements occurs, the insured normally has 60 days to file a
of the standard fire proof of loss with the insurer
policy?
Which types of property accounts, currency, deeds, and securities
are excluded from
coverage under the basic
fire policy?
Who is insured under the the named insured and his legal representatives
Standard Fire policy?
An agreement which a binder
affords temporary
insurance protection until
the policy is issued is
called:
as a general rule, a the Standard Fire policy with one or more forms
complete fire insurance attached
policy would be made up
of:
The one condition listed over-insurance
below which will not void
a fire policy:
a) false swearing
b) misrepresentation
c) over-insurance
d) concealment
https://quizlet.com/1113056273/insurance-adjuster-exam-updated-2025-questions-answers-latest-already-graded-a-update-20252026-flash-cards/?new 2/19
, 11/25/25, 8:24 AM Insurance Adjuster EXAM (updated 2025) Questions & Answers | Latest Already Graded A+ UPDATE 2025|2026 Flashcards | Qui…
replacement cost minus Actual Cash Value (ACV)
depreciation:
The Standard Fire policy riot
with an extended
coverage endorsement
attached covers which of
the following:
is excluded unless the loss occurs because of an
A loss due to order of Civil
order by Civil Authorities for the purpose of
Authority:
controlling a fire
The term "unoccupancy" persons from a building
refers to the absence of :
Suppose a fire occurs on 60 days after April 30th
February 26th. On April
30th, the insurance
company notifies the
mortgagee the insured
has not filed a proof of
loss. To protect their
interest, the mortgagee
must file a proof of loss
within _________ days after
what date?
For recovery under the be named in the policy and show an insurable interest
Standard Fire policy, a in the property at the time the loss occurs
party must:
What is the requirement None
on how much experience
one must have to be
elected the insurance
commissioner in Georgia?
Once elected, how long is 4 years
the insurance
commissioner's term?
https://quizlet.com/1113056273/insurance-adjuster-exam-updated-2025-questions-answers-latest-already-graded-a-update-20252026-flash-cards/?new 3/19
