Texas All Lines Adjuster Exam SCRIPT 2026/2027 WITH EXPERT-VERIFIED ANSWERS RATED A+

Texas All Lines Adjuster Exam SCRIPT 2026/2027
WITH EXPERT-VERIFIED ANSWERS RATED A+
• DP - valuation -✓✓ DP-1 - ACV building & contents
DP-2/3 - RCV building & ACV contents

• DP - limit for fair rental value -✓✓ 20% of A

• DP - coverages (A-E) -✓✓ A - dwelling
B - other structures
C - personal property
D - fair rental value
E - additional living expense

• DP - limit for additional living expenses -✓✓ DP-1 - NONE
DP-2/3 - 20% of A

• DP - Property removed is covered for ___ days. -✓✓ DP-1 - 5 days
DP-2 - 30 days

• DP - limit for trees/plants/shrubs -✓✓ 5% of A
$500 per tree/shrub/plant

• DP - fire department service charge -✓✓ $500

• DP - extended coverages -✓✓ windstorm, civil commotion, hail, aircraft, vehicles,
volcanic eruption, explosion, riot

• DP - broad perils -✓✓ burglary damage, ice/snow weight, glass, accidental discharge
of water/steam, falling objects, freezing, electrical, collapse, tearing
apart/bulging/cracking

• DP-3 perils covered (dwelling & contents) -✓✓ dwelling - open
contents - broad (DP-2 perils)

• Explain the difference between DP & HO policies. -✓✓ DP does not automatically
cover theft or include liability coverage.

• DP - Explain the difference between limited/broad theft endorsement. -✓✓ limited - on
premises only
broad - on & off premises

• HO-2 perils (dwelling & contents) -✓✓ dwelling - named/broad

,contents - named/broad

• HO-3 perils (dwelling & contents) -✓✓ dwelling - open
contents - named/broad

• HO-4 perils (dwelling & contents) -✓✓ dwelling - NO COVERAGE
contents - named/broad

• HO-5 perils (dwelling & contents) -✓✓ dwelling - open
contents - open

• HO-6 perils (dwelling & contents) -✓✓ dwelling - LIMITED named/broad
contents - named/broad

• HO-8 perils (dwelling & contents) -✓✓ dwelling - named/basic & extended
contents - named/basic & extended

• HO - valuation -✓✓ RCV dwelling
ACV content (unless endorsed)
EXCEPT HO-8 - ACV dwelling & contents

• HO - coverages (A-F) -✓✓ A - dwelling
B - other structures - 10% of A
C - personal property - 50% of A
D - loss of use - 30% of A
E - medical payments
F - liability

• HO - limit for personal property in self-storage -✓✓ 10% of C

• HO - money limit -✓✓ $200

• HO - securities limit -✓✓ $1,500

• HO - watercraft limit (including trailers) -✓✓ $1,500

• HO - trailers limit (except watercraft trailers) -✓✓ $1,500 - ON PREMISES ONLY

• HO - THEFT of jewelry/furs limit -✓✓ $1,500

• HO - THEFT of firearms limit -✓✓ $2,500

• HO - THEFT of silverware limit -✓✓ $2,500

, • HO - business personal property on premises limit -✓✓ $2,500

• HO - business personal property off premises limit -✓✓ $1,500

• HO - electronic vehicle equipment limit -✓✓ $1,500

• HO - tapes/discs in vehicle limit -✓✓ $250

• HO - standard deductible -✓✓ $500

• HO - trees/shrubs/plants limit -✓✓ 5% of A
$500 per tree/shrub/plant

• HO - Property removed is covered for ___ days. -✓✓ 30

• HO - credit card forgery limit -✓✓ $500

• HO - gravemarkers limit -✓✓ $5,000

• HO - landlord's furnishings limit -✓✓ $2,500 (EXCLUDES THEFT)

• HO - liability minimum limit -✓✓ $100,000

• HO - minimum medical payments limit -✓✓ $1,000

• HO - Medical payments claim must be filed within ___. -✓✓ 3 years

• HO - lost wages supplemental payment -✓✓ $250/day

• HO - limit for damage to property of others -✓✓ $1,000

• HO - All tremors within ___ are one earthquake. -✓✓ 72 hours

• HO - sewer backup limit -✓✓ $5,000 (with special $250 deductible)

• Texas HO - coverages (A-D) -✓✓ A - dwelling/other structures
B - personal property
C - personal liability
D - medical payments

• Farm - coverages (A-J) -✓✓ A - private dwellings
B - private other structures
C - household personal property