GA CLAIMS ADJUSTER LICENSING
EXAM QUESTIONS AND ANSWERS 100%
PASS 2026 EDITION
What coverage does Community Eligibility apply to? - ANS Flood insurance through FEMA
What's the difference between Emergency Program and Regular Program in the National Flood
Insurance Program? - ANS Emergency applies to homes in communities that are a normally
not a flood hazard. Regular programs are awarded to an entire community that is eligible due to
flood hazard.
What is the flood coverage on a regular program in a 1-4 Family Dwelling? - ANS $250,000
On what policy can you add the Flood Program endorsement? - ANS None! It has its own
policy through the Federal Government.
Difference in Conditions (DIC) Insurance - ANS A separate insurance policy that provides
open-perils coverage to fill in the gaps left by flood coverage if a home is worth over $250K.
Coverage is produced through Excess/Surplus Lines.
What is the waiting period on NFIP coverage? - ANS 30 days after policy purchase
1
@2026 EDITION ALLRIGHTS RESERVED
,What is the coverage change waiting period for the NFIP? - ANS 5 days
Give examples of the flood peril - ANS - an overflow of inland or tidal waters
- unusual or rapid accumulation or runoff of surface waters
-Mudflow or Mudslide
- Collapse of land along the shore of a lake as a result of erosion
What kinds of things does flood insurance cover? - ANS Your house and your things (dwelling
and personal property). No indirect charges.
Dwelling coverage extension for flood insurance covers what? How much is it? -
ANS Structures not attached to dwelling (O.S. or Appurtenant structures). 10% of Dwelling
limit. ***It is an extension of coverage, NOT the $250K limit so any coverage needed here will
reduce the amount able to go to the dwelling.
Contents coverage of flood insurance is limited to what? - ANS Personal property damaged or
destroyed by the flood itself and belongs to insured and resident spouse/relatives. The insured
is liable for content of others.
What are the coverages of flood insurance? - ANS Dwelling, Contents, Debris Removal
How are damaged items valued in flood coverage? - ANS Dwelling - replacement cost
Contents - Actual Cash Value
What kind of property is not covered by flood insurance? - ANS Basements and underground
structure (ex. septic tanks), animals, money/accounts/bills, land, anything else covered by other
policies (motor vehicles, aircraft, watercraft)
2
@2026 EDITION ALLRIGHTS RESERVED
, Loss Valuation on flood insurance - ANS (amount of insurance purchased/80% Dwellings Total
replacement cost) x Loss Amount
Standard deductible on flood insurance - ANS $1K for Dwelling and $1K for Content
Personal Inland Marine Insurance - ANS Floaters or policies for world-wide coverage of
personal property on an open-peril basis.
Is flood excluded from Personal Inland Marine Insurance? - ANS NOPE. It's covered!
What are the floaters available on Personal Inland Marine Insurance? - ANS Personal Articles
Floaters, Personal Property Floaters, and Personal Effects Floaters
What perils are covered under Personal Inland Marine Insurance floaters? - ANS all; open-
peril
Which PIMI floater would be appropriate for a diamond ring? Why? - ANS Personal Articles
Floater - itemizes valuables such as jewelry and furs
What is a Personal Effects Floater good for? What deductible does it have? - ANS world-wide
open peril coverage of personal property for people who are traveling - luggage, sports
equipment, clothes, and camera. NO DEDUCTIBLE.
What is a Personal Property Floater good for? What kind of limit do they have? - ANS World-
wide open peril coverage of personal property - usually for special occasions like weddings or
exhibitions. There is a blanket limit!
Does personal inland marine insurance cover flood? - ANS Yes. Somehow.
3
@2026 EDITION ALLRIGHTS RESERVED
EXAM QUESTIONS AND ANSWERS 100%
PASS 2026 EDITION
What coverage does Community Eligibility apply to? - ANS Flood insurance through FEMA
What's the difference between Emergency Program and Regular Program in the National Flood
Insurance Program? - ANS Emergency applies to homes in communities that are a normally
not a flood hazard. Regular programs are awarded to an entire community that is eligible due to
flood hazard.
What is the flood coverage on a regular program in a 1-4 Family Dwelling? - ANS $250,000
On what policy can you add the Flood Program endorsement? - ANS None! It has its own
policy through the Federal Government.
Difference in Conditions (DIC) Insurance - ANS A separate insurance policy that provides
open-perils coverage to fill in the gaps left by flood coverage if a home is worth over $250K.
Coverage is produced through Excess/Surplus Lines.
What is the waiting period on NFIP coverage? - ANS 30 days after policy purchase
1
@2026 EDITION ALLRIGHTS RESERVED
,What is the coverage change waiting period for the NFIP? - ANS 5 days
Give examples of the flood peril - ANS - an overflow of inland or tidal waters
- unusual or rapid accumulation or runoff of surface waters
-Mudflow or Mudslide
- Collapse of land along the shore of a lake as a result of erosion
What kinds of things does flood insurance cover? - ANS Your house and your things (dwelling
and personal property). No indirect charges.
Dwelling coverage extension for flood insurance covers what? How much is it? -
ANS Structures not attached to dwelling (O.S. or Appurtenant structures). 10% of Dwelling
limit. ***It is an extension of coverage, NOT the $250K limit so any coverage needed here will
reduce the amount able to go to the dwelling.
Contents coverage of flood insurance is limited to what? - ANS Personal property damaged or
destroyed by the flood itself and belongs to insured and resident spouse/relatives. The insured
is liable for content of others.
What are the coverages of flood insurance? - ANS Dwelling, Contents, Debris Removal
How are damaged items valued in flood coverage? - ANS Dwelling - replacement cost
Contents - Actual Cash Value
What kind of property is not covered by flood insurance? - ANS Basements and underground
structure (ex. septic tanks), animals, money/accounts/bills, land, anything else covered by other
policies (motor vehicles, aircraft, watercraft)
2
@2026 EDITION ALLRIGHTS RESERVED
, Loss Valuation on flood insurance - ANS (amount of insurance purchased/80% Dwellings Total
replacement cost) x Loss Amount
Standard deductible on flood insurance - ANS $1K for Dwelling and $1K for Content
Personal Inland Marine Insurance - ANS Floaters or policies for world-wide coverage of
personal property on an open-peril basis.
Is flood excluded from Personal Inland Marine Insurance? - ANS NOPE. It's covered!
What are the floaters available on Personal Inland Marine Insurance? - ANS Personal Articles
Floaters, Personal Property Floaters, and Personal Effects Floaters
What perils are covered under Personal Inland Marine Insurance floaters? - ANS all; open-
peril
Which PIMI floater would be appropriate for a diamond ring? Why? - ANS Personal Articles
Floater - itemizes valuables such as jewelry and furs
What is a Personal Effects Floater good for? What deductible does it have? - ANS world-wide
open peril coverage of personal property for people who are traveling - luggage, sports
equipment, clothes, and camera. NO DEDUCTIBLE.
What is a Personal Property Floater good for? What kind of limit do they have? - ANS World-
wide open peril coverage of personal property - usually for special occasions like weddings or
exhibitions. There is a blanket limit!
Does personal inland marine insurance cover flood? - ANS Yes. Somehow.
3
@2026 EDITION ALLRIGHTS RESERVED
