ILLINOIS PUBLIC ADJUSTER UPDATED PRACTICE TEST
QUESTIONS AND ANSWERS MARKED A+
✔✔Green board - ✔✔Type of sheet rock that has a greater resistance to moisture than
regular white sheet rock and is used in bathrooms and other wet areas
✔✔Measuring sheetrock ( Drywall ) - ✔✔Steps:
1) calculate sq footage of room ( length x width )
2) multiply the sq footage by 4 (there are 4 walls)
3) multiply the length of room to get the ceiling sq feet then add it to the sq footage
amount.
4) if the problem says they purchase 4 x 8 sheets, divide the square footage by 32.
If the problem says they purchase 4 x 12 sheets, divide the sq footage by 48.
4) Round to the next whole number.
Ex: 10 x 10 room with 8 ft high ceilings, how much sheet rock is needed for this room?
1) 10 x 8 = 80 sq ft
2) 80 x 4 = 320 sq ft
3) 10 x 10 = ceiling of 100 sq feet. 100 + 320 = 420 sq feet.
4) since we are purchasing 4 x 8 (32 sq ft) of drywall, 420 divided by 32 sq ft = 13.125,
which means we need to purchase 14 sheets of drywall. 😊
✔✔Concrete - ✔✔Fire resistive material
✔✔Spalling - ✔✔When heat chases concrete to lose it's moisture, the surface flakes off
in thin pieces
✔✔ACV / Appraisal amount - ✔✔Generally under SFP, loss is settled on a _____ up to
the policy amount or _______
✔✔Appraisal clause - ✔✔involves 3 people, only the difference is submitted to the
umpire and that appraisal amount will be used as policy limit
✔✔SFP ~ 30 days - ✔✔When deciding on taking possession, repairing or replacing -
insurers must notify insured's on decision within ___ days after receiving proof of loss
✔✔Lines 90-122 - ✔✔Where can you find the "duties of the insured" in the conditions
section of SFP?
✔✔$1,000 deductible - ✔✔NFIP'a deductible for contents only coverage:
- deductibles apply separately to the building and contents
✔✔Administrator - ✔✔appointed by court to settle estate of person that doesn't leave a
will
, ✔✔Executor - ✔✔Execute the provisions of a will
✔✔Insurance premium - ✔✔Covers potential losses and indemnify's them if loss occurs
✔✔5 days - ✔✔Removal is covered ____ days for all risk coverage under SFP.
✔✔Insuring agreements - ✔✔under SFP, Assignment clause is located in the _____
section
✔✔SFP property covered: - ✔✔- building contents & personal Property
- direct loss
- bullions & manuscripts if named
✔✔Prorata liability clause - ✔✔Clause under SFP that limits liability of the insurer to a
PORTION of the loss
✔✔Mortgagees - ✔✔________ interests are protected FIRST limiting the insurance limit
to the actual equity interest at the time of loss.
✔✔Friendly fire - ✔✔Fire that is started with INTENT
✔✔Hostile fire - ✔✔Fire that wasn't started intentionally and escapes it's limitations
✔✔Exclusions under SFP - ✔✔- Neglect of insured
- Theft (except under removal coverage)
- Explosion
- Riot, unless by fire
✔✔1. Insolvent admitted insurers 2. workers comp policies 3. Surplus lines - ✔✔State
Guaranty Association covers claims of _____
& pays total amount of claims under ______ ______ _____
& does NOT asses ______ companies.
✔✔Suspends the SFP. - ✔✔1) when the hazard increases
2) vacant and unoccupied for more than 60 days
✔✔Endorsed and Attached - ✔✔Indirect losses are only covered if ______ & ____ to
SFP.
✔✔NFIP Deductibles - ✔✔Emergency program = $1500 deductible for coverages of
100K or less & $2000 deductible for over 100K.
Regular program = $1500 for Pre FIRM zones for 100K/less & $2000 for over 100K
$1000 for full risk zones for 100k/less or $1250 for full risk zones of over 100K.
QUESTIONS AND ANSWERS MARKED A+
✔✔Green board - ✔✔Type of sheet rock that has a greater resistance to moisture than
regular white sheet rock and is used in bathrooms and other wet areas
✔✔Measuring sheetrock ( Drywall ) - ✔✔Steps:
1) calculate sq footage of room ( length x width )
2) multiply the sq footage by 4 (there are 4 walls)
3) multiply the length of room to get the ceiling sq feet then add it to the sq footage
amount.
4) if the problem says they purchase 4 x 8 sheets, divide the square footage by 32.
If the problem says they purchase 4 x 12 sheets, divide the sq footage by 48.
4) Round to the next whole number.
Ex: 10 x 10 room with 8 ft high ceilings, how much sheet rock is needed for this room?
1) 10 x 8 = 80 sq ft
2) 80 x 4 = 320 sq ft
3) 10 x 10 = ceiling of 100 sq feet. 100 + 320 = 420 sq feet.
4) since we are purchasing 4 x 8 (32 sq ft) of drywall, 420 divided by 32 sq ft = 13.125,
which means we need to purchase 14 sheets of drywall. 😊
✔✔Concrete - ✔✔Fire resistive material
✔✔Spalling - ✔✔When heat chases concrete to lose it's moisture, the surface flakes off
in thin pieces
✔✔ACV / Appraisal amount - ✔✔Generally under SFP, loss is settled on a _____ up to
the policy amount or _______
✔✔Appraisal clause - ✔✔involves 3 people, only the difference is submitted to the
umpire and that appraisal amount will be used as policy limit
✔✔SFP ~ 30 days - ✔✔When deciding on taking possession, repairing or replacing -
insurers must notify insured's on decision within ___ days after receiving proof of loss
✔✔Lines 90-122 - ✔✔Where can you find the "duties of the insured" in the conditions
section of SFP?
✔✔$1,000 deductible - ✔✔NFIP'a deductible for contents only coverage:
- deductibles apply separately to the building and contents
✔✔Administrator - ✔✔appointed by court to settle estate of person that doesn't leave a
will
, ✔✔Executor - ✔✔Execute the provisions of a will
✔✔Insurance premium - ✔✔Covers potential losses and indemnify's them if loss occurs
✔✔5 days - ✔✔Removal is covered ____ days for all risk coverage under SFP.
✔✔Insuring agreements - ✔✔under SFP, Assignment clause is located in the _____
section
✔✔SFP property covered: - ✔✔- building contents & personal Property
- direct loss
- bullions & manuscripts if named
✔✔Prorata liability clause - ✔✔Clause under SFP that limits liability of the insurer to a
PORTION of the loss
✔✔Mortgagees - ✔✔________ interests are protected FIRST limiting the insurance limit
to the actual equity interest at the time of loss.
✔✔Friendly fire - ✔✔Fire that is started with INTENT
✔✔Hostile fire - ✔✔Fire that wasn't started intentionally and escapes it's limitations
✔✔Exclusions under SFP - ✔✔- Neglect of insured
- Theft (except under removal coverage)
- Explosion
- Riot, unless by fire
✔✔1. Insolvent admitted insurers 2. workers comp policies 3. Surplus lines - ✔✔State
Guaranty Association covers claims of _____
& pays total amount of claims under ______ ______ _____
& does NOT asses ______ companies.
✔✔Suspends the SFP. - ✔✔1) when the hazard increases
2) vacant and unoccupied for more than 60 days
✔✔Endorsed and Attached - ✔✔Indirect losses are only covered if ______ & ____ to
SFP.
✔✔NFIP Deductibles - ✔✔Emergency program = $1500 deductible for coverages of
100K or less & $2000 deductible for over 100K.
Regular program = $1500 for Pre FIRM zones for 100K/less & $2000 for over 100K
$1000 for full risk zones for 100k/less or $1250 for full risk zones of over 100K.
