NY INDEPENDENT GENERAL ADJUSTER EXAM
SERIES 17-70 2026 COMPREHENSIVE REVIEW
QUESTIONS AND ANSWERS
◉ A tenant leases space in a building. The tenant's space is damaged
by fire. When will the commercial Property Policy pay for the
damage? Answer: When the owner of the building submits proof of
loss for the damage.
◉ Dwelling forms provide what amount of coverage for grave
markers and mausoleums? Answer: Nothing. Homeowners form
provide a limit of $5,000.
◉ Does a flat deductible apply to basic scheduled dental plans?
Answer: No.
◉ With crop insurance policies, the coverage period is usually:
Answer: Limited to the growing period for the particular crop being
insured.
◉ What does an employer's non-ownership coverage under the BAP
cover? Answer: Covers the employer when the employee is using
their vehicle on company business.
,◉ To collect under uninsured motorist coverage in New York, the
insured must prove: Answer: There was a hit and run driver and
physical contact made.
◉ The health insurance provision that permits the insurer to pay
limited death benefits to a relative of the insured is known as:
Answer: Facility of Payment.
◉ What is Demurrage? Answer: Compensation for the delaying of a
vessel carrying freight.
◉ How would two insurance companies pay a claim under the
"Contribution by Equal Shares" clause? Answer: Each would pay the
same until its limits are exhausted.
◉ What does Coverage G under the Farm Forms cover? Answer:
Barns, Silos, and Fences.
◉ MIG welding on a rocker panel creates a heat- affected area. What
concerns should a technician be aware of when performing this
procedure? Answer: Destruction of the factory coating on the
interior of the panel.
◉ A licensee must report to the Superintendent of Insurance any
administrative action taken against the licensee in another
, jurisdiction or by another governmental agency in this state within
_____ of the final disposition of the matter. Answer: 30 Days.
◉ Is damage to a covered auto while being used as part of a car pool
covered under the PD coverage of a PAP? Answer: Yes.
◉ Does the National Flood Insurance Program provide coverage for
losses caused by water-main breakage? Answer: No.
◉ Which of the following is not required to obtain an adjuster
license in New York? A licensed NY attorney, adjuster of maritime
losses, or CEO? Answer: None.
◉ How many years must a business be operational in New York
before it can qualify as a self-insurer for workers compensation?
Answer: 3 Years.
◉ What coverage does the Difference in Conditions form provide?
Answer: Gaps left by other property insurance forms.
◉ What would most likely be the effect of an insured's breach of
warranty? Answer: The insurer might void the entire policy.
SERIES 17-70 2026 COMPREHENSIVE REVIEW
QUESTIONS AND ANSWERS
◉ A tenant leases space in a building. The tenant's space is damaged
by fire. When will the commercial Property Policy pay for the
damage? Answer: When the owner of the building submits proof of
loss for the damage.
◉ Dwelling forms provide what amount of coverage for grave
markers and mausoleums? Answer: Nothing. Homeowners form
provide a limit of $5,000.
◉ Does a flat deductible apply to basic scheduled dental plans?
Answer: No.
◉ With crop insurance policies, the coverage period is usually:
Answer: Limited to the growing period for the particular crop being
insured.
◉ What does an employer's non-ownership coverage under the BAP
cover? Answer: Covers the employer when the employee is using
their vehicle on company business.
,◉ To collect under uninsured motorist coverage in New York, the
insured must prove: Answer: There was a hit and run driver and
physical contact made.
◉ The health insurance provision that permits the insurer to pay
limited death benefits to a relative of the insured is known as:
Answer: Facility of Payment.
◉ What is Demurrage? Answer: Compensation for the delaying of a
vessel carrying freight.
◉ How would two insurance companies pay a claim under the
"Contribution by Equal Shares" clause? Answer: Each would pay the
same until its limits are exhausted.
◉ What does Coverage G under the Farm Forms cover? Answer:
Barns, Silos, and Fences.
◉ MIG welding on a rocker panel creates a heat- affected area. What
concerns should a technician be aware of when performing this
procedure? Answer: Destruction of the factory coating on the
interior of the panel.
◉ A licensee must report to the Superintendent of Insurance any
administrative action taken against the licensee in another
, jurisdiction or by another governmental agency in this state within
_____ of the final disposition of the matter. Answer: 30 Days.
◉ Is damage to a covered auto while being used as part of a car pool
covered under the PD coverage of a PAP? Answer: Yes.
◉ Does the National Flood Insurance Program provide coverage for
losses caused by water-main breakage? Answer: No.
◉ Which of the following is not required to obtain an adjuster
license in New York? A licensed NY attorney, adjuster of maritime
losses, or CEO? Answer: None.
◉ How many years must a business be operational in New York
before it can qualify as a self-insurer for workers compensation?
Answer: 3 Years.
◉ What coverage does the Difference in Conditions form provide?
Answer: Gaps left by other property insurance forms.
◉ What would most likely be the effect of an insured's breach of
warranty? Answer: The insurer might void the entire policy.
