1 – H GRADE A Q&A
Proximate cause - (correct answer)When there is an unbroken chain of events between
an occurrence and a loss, then that occurrence is the ____ of the loss.
Occurrence - (correct answer)What is an event, incident, or condition that causes
damage?
Direct loss - (correct answer)Physical harm to tangible property
Indirect loss - (correct answer)An economic loss that results from a direct loss
D - (correct answer)Driving home after a 14-hour shift, Sam falls asleep at the wheel
and plows into Sandra's home, causing extensive damage to the East wall and roof.
During repairs, it is discovered that the wooden foundation for the porch on the West
side of Sandra's home is completely rotted and must be replaced. The adjuster
determines that repairs to the porch will not be covered by the claim: This is because:
A) Sam's auto policy was strictly liability coverage.
B) The porch is not considered part of the structure
C) Sam's auto policy did not contain a porch endorsement
D) The proximate cause, Sam's car crashing into the house, was not responsible for the
foundation's rot
A) Wind - (correct answer)Jane's shed burns into the ground during a tornado, when the
high winds cave in a wall of the shed, knocking over a lantern inside. What is the
proximate cause of the loss?
A) Wind
B) Fire
C)Lantern
D) Collapse of the wall
Proximate cause - (correct answer)When there is an unbroken chain of events between
an occurrence and a loss, then that occurrence is the ____ of the loss.
Occurrence - (correct answer)What is an event, incident, or condition that causes
damage?
Direct loss - (correct answer)Physical harm to tangible property
Indirect loss - (correct answer)An economic loss that results from a direct loss
D - (correct answer)Driving home after a 14-hour shift, Sam falls asleep at the wheel
and plows into Sandra's home, causing extensive damage to the East wall and roof.
During repairs, it is discovered that the wooden foundation for the porch on the West
side of Sandra's home is completely rotted and must be replaced. The adjuster
determines that repairs to the porch will not be covered by the claim: This is because:
A) Sam's auto policy was strictly liability coverage.
B) The porch is not considered part of the structure
C) Sam's auto policy did not contain a porch endorsement
D) The proximate cause, Sam's car crashing into the house, was not responsible for the
foundation's rot
A) Wind - (correct answer)Jane's shed burns into the ground during a tornado, when the
high winds cave in a wall of the shed, knocking over a lantern inside. What is the
proximate cause of the loss?
A) Wind
B) Fire
C)Lantern
D) Collapse of the wall