Louisiana Claims Adjuster
Elaborate Study Questions with
Detailed Answers
1. Which of the following is NOT covered by liability coverage under a
Homeowner policy?
a) A snowmobile in a park.
b) A golf cart on a golf course.
c) A runaway lawnmower.
d) Motorized wheelchair. - ANSWER A snowmobile in a park.
2. The only owned recreational vehicle that is covered while off the insured's
covered location, is a golf cart while playing golf. Vehicles pertaining to the
service of the premises, or for use by the handicapped (such as a wheelchair)
are covered.
If the Value Reporting Form Endorsement is attached to a Commercial Property
policy, business personal property is covered at all of the following locations,
EXCEPT:
a) Reported locations.
, b) Exhibition locations.
c) Acquired locations.
d) Incidental locations. - ANSWER Exhibition locations.
3. Sudden and Accidental Tearing Apart - ANSWER may cover damages
caused by rupture, cracking, burning, or bulging of a steam or hot water
heating system
4. Scheduled payment release - ANSWER also referred to as " opened-ended"
or "rehabilitation settlement.
5. SFP does not cover - ANSWER accounts, bills, currency, deeds, evidences
of debt, and money
6. SFP does cover loss by fire caused directly by rebellion - ANSWER false,
standard fire policy is sometimes called a 165-line policy due to the standard
form is use in most states.
7. When a specific event occurs - ANSWER the claim amount may be fixed or
as part of the actual loss occurred
8. Professional insurance policies - ANSWER most insurance policies are
standard forms- they tend to use boilerplate languages that are similar across
different type of policies
9. For vandalism and malicious mischief insurance coverage to take effect the
structure must be regularly occupied. - ANSWER false, vandalism and
, malicious mischief insurance coverage is usually written as an endorsement
to property policies to cover against loss by intentional acts of vandals
10.HO Forms 3 has - ANSWER all-peril coverage for structures and named-
peril coverage for contents
11.HO Forms 5 has - ANSWER all-peril coverage for structures and contents
12.You will recommend HO Form 8 to those who own a building - ANSWER
with lower value
13.A hostile fire is one that is - ANSWER not contained within its intended
boundaries
14.Susan the wife was cooking and accidently spilled on the kitchen floor. Don
the husband didn't see it and slipped, fell and had to be rushed to the
hospital. The ER and ambulance cost may be paid for via - ANSWER
medical expanse claim
15.Hero the sweet dog bit the hand of the post office guy right next to Mike's
door for no reason. Hero never bit anyone before. Mike the dog owner wants
the post office guy to drop the lawsuit. He agrees to pay for all damages.
What claim should he file? - ANSWER bodily injury claim
16.Pete was grilling and somehow a fire started which was just enough to burn
the communal shed of his property and has nothing else. He wants to fix the
shed. What claim can he make? - ANSWER property damage claim
17.Jim broke into Mark's house and spray painted the walls. Mark's wife Kelly
ran after Jim. When Jim escaped he stepped on Mark's Nintendo and broke
, it. When he pushed open the door to escape the door hit Mark's Xbox and
broke it as well. What claim can Mark file? - ANSWER vandalism claim on
both
18.Pat was grilling and somehow a fire started which was enough to burn a hole
on the roof. Heavy rainfall is expected to come in 48 hours so she made
some temporary fixes to prevent water leakage from the roof. - ANSWER
she should inform the adjuster about the temporary fixes
19.Pat was grilling and somehow a fire started which was enough to burn half
the kitchen. She wanted to repair ASAP. She called in a contractor and a
quote was obtained - ANSWER she should try to reach an agreement with
the adjuster on the scope of work
20.Jane the food court cleaner is complaining against John's Cafe, saying she
slipped on a patch of floor its customers had spilled. But John's Cafe hit
back, saying it was her job to clean the spill. Jane wants to settle the matter
without going through the court - ANSWER Jane can receive compensation
through the Food Court's worker compensation benefits
21.On the evening of 12 October 2020, Mary fell in a small darkened car
parking space in downtown after dinner at a hotel across the road. She was
not affected by alcohol. This small car parking space was owned by Kim and
is part of his residential property. This is not commercial and Mary had
obtained permission from Kim to park her car over there temporarily for
free. At the time of injury which was approximately 9:00 pm the car park
was in total darkness. FOR KIM TO SETTLE THE MATTER WITH
MARY OUT OF THE COURT, WHAT CLAIM SHOULD BE FILED? -
ANSWER bodily injury claim
22.Tim the architect arrives at a new construction site, takes four steps into the
work area, and is struck by debris from something collapsing on top of his
Elaborate Study Questions with
Detailed Answers
1. Which of the following is NOT covered by liability coverage under a
Homeowner policy?
a) A snowmobile in a park.
b) A golf cart on a golf course.
c) A runaway lawnmower.
d) Motorized wheelchair. - ANSWER A snowmobile in a park.
2. The only owned recreational vehicle that is covered while off the insured's
covered location, is a golf cart while playing golf. Vehicles pertaining to the
service of the premises, or for use by the handicapped (such as a wheelchair)
are covered.
If the Value Reporting Form Endorsement is attached to a Commercial Property
policy, business personal property is covered at all of the following locations,
EXCEPT:
a) Reported locations.
, b) Exhibition locations.
c) Acquired locations.
d) Incidental locations. - ANSWER Exhibition locations.
3. Sudden and Accidental Tearing Apart - ANSWER may cover damages
caused by rupture, cracking, burning, or bulging of a steam or hot water
heating system
4. Scheduled payment release - ANSWER also referred to as " opened-ended"
or "rehabilitation settlement.
5. SFP does not cover - ANSWER accounts, bills, currency, deeds, evidences
of debt, and money
6. SFP does cover loss by fire caused directly by rebellion - ANSWER false,
standard fire policy is sometimes called a 165-line policy due to the standard
form is use in most states.
7. When a specific event occurs - ANSWER the claim amount may be fixed or
as part of the actual loss occurred
8. Professional insurance policies - ANSWER most insurance policies are
standard forms- they tend to use boilerplate languages that are similar across
different type of policies
9. For vandalism and malicious mischief insurance coverage to take effect the
structure must be regularly occupied. - ANSWER false, vandalism and
, malicious mischief insurance coverage is usually written as an endorsement
to property policies to cover against loss by intentional acts of vandals
10.HO Forms 3 has - ANSWER all-peril coverage for structures and named-
peril coverage for contents
11.HO Forms 5 has - ANSWER all-peril coverage for structures and contents
12.You will recommend HO Form 8 to those who own a building - ANSWER
with lower value
13.A hostile fire is one that is - ANSWER not contained within its intended
boundaries
14.Susan the wife was cooking and accidently spilled on the kitchen floor. Don
the husband didn't see it and slipped, fell and had to be rushed to the
hospital. The ER and ambulance cost may be paid for via - ANSWER
medical expanse claim
15.Hero the sweet dog bit the hand of the post office guy right next to Mike's
door for no reason. Hero never bit anyone before. Mike the dog owner wants
the post office guy to drop the lawsuit. He agrees to pay for all damages.
What claim should he file? - ANSWER bodily injury claim
16.Pete was grilling and somehow a fire started which was just enough to burn
the communal shed of his property and has nothing else. He wants to fix the
shed. What claim can he make? - ANSWER property damage claim
17.Jim broke into Mark's house and spray painted the walls. Mark's wife Kelly
ran after Jim. When Jim escaped he stepped on Mark's Nintendo and broke
, it. When he pushed open the door to escape the door hit Mark's Xbox and
broke it as well. What claim can Mark file? - ANSWER vandalism claim on
both
18.Pat was grilling and somehow a fire started which was enough to burn a hole
on the roof. Heavy rainfall is expected to come in 48 hours so she made
some temporary fixes to prevent water leakage from the roof. - ANSWER
she should inform the adjuster about the temporary fixes
19.Pat was grilling and somehow a fire started which was enough to burn half
the kitchen. She wanted to repair ASAP. She called in a contractor and a
quote was obtained - ANSWER she should try to reach an agreement with
the adjuster on the scope of work
20.Jane the food court cleaner is complaining against John's Cafe, saying she
slipped on a patch of floor its customers had spilled. But John's Cafe hit
back, saying it was her job to clean the spill. Jane wants to settle the matter
without going through the court - ANSWER Jane can receive compensation
through the Food Court's worker compensation benefits
21.On the evening of 12 October 2020, Mary fell in a small darkened car
parking space in downtown after dinner at a hotel across the road. She was
not affected by alcohol. This small car parking space was owned by Kim and
is part of his residential property. This is not commercial and Mary had
obtained permission from Kim to park her car over there temporarily for
free. At the time of injury which was approximately 9:00 pm the car park
was in total darkness. FOR KIM TO SETTLE THE MATTER WITH
MARY OUT OF THE COURT, WHAT CLAIM SHOULD BE FILED? -
ANSWER bodily injury claim
22.Tim the architect arrives at a new construction site, takes four steps into the
work area, and is struck by debris from something collapsing on top of his
