P age | 1
| | | | |
ILLINOIS PUBLIC ADJUSTER EXAM STUDY
GUIDE REVIEW 2025-2026 BRAND NEW
ACTUAL EXAM WITH 100% VERIFIED
QUESTIONS AND CORRECT SOLUTIONS
1. A hip roof is 42' long and 24'cfeet wide. How long is the Ridge?
| | | | | | | | | | | | |
- correct answer - 42' | | |
2. When may a truss be notch or grooved - correct answer - Only
| | | | | | | | | | | |
|when preapproved in writing by a certified engineer
| | | | | | |
3. What is the maximum rise of stairs - correct answer - 7-8"
| | | | | | | | | | |
4. What is a mullion - correct answer - A vertical member between
| | | | | | | | | | |
|the panels of a window, door or other opening
| | | | | | | |
, P age | 2
| | | | |
5. Which of the following is not a reason, for the Director to revoke or
| | | | | | | | | | | | |
|refuse to renew a public adjusters license? - correct answer -
| | | | | | | | | |
|Having is business owner's insurance policy canceled
| | | | | |
6. A contract to construct a commercial building at a new location
| | | | | | | | | |
|has just been agreed to, for an estimated completed value of
| | | | | | | | | |
$1 million. To avoid a coinsurance penalty, what limit of builders
| | | | | | | | | |
|risk coverage should be purchased? - correct answer -
| | | | | | | |
$1 million policy
| |
7. An insured has $150,000 in total home owners coverage on a
| | | | | | | | | |
|dwelling with to insurers, AS and ZZ. Both policies contain pro -
| | | | | | | | | | |
|Rata other insurance clauses. A $60,000 loss occurs.
| | | | | | |
|Disregarding deductibles, how much would each insurer pay? - | | | | | | | |
|correct answer - AAA will pay $40,000 and ZZ will pay $20,000
| | | | | | | | | | |
8. How many days does a home owners insured how to complete a
| | | | | | | | | | |
|proof of insurance - correct answer - 60 days after the insurer
| | | | | | | | | | |
|request it |
9. When would a commercial property insured request the value
| | | | | | | |
|reporting endorsement? - correct answer - For changing or a| | | | | | | | |
|flesh reading levels of personal property
| | | | |
, P age | 3
| | | | |
10. Business income coverage pays for which of the following? -
| | | | | | | | |
correct answer - Gross revenue minus continuing expenses
| | | | | | | |
11. Commercial property insurance would exclude which of the | | | | | | |
following acts of vandalism? - correct answer - Damage to an
| | | | | | | | | | |
advertising sign on the sidewalk
| | | | |
12. A manufacturer with a policy limit of $100,000 in a deductible of
| | | | | | | | | | |
$1000 had a fire loss that damaged a lot of inventory. The amount
| | | | | | | | | | | | |
of damage is estimated to be $50,000. The insured, with the
| | | | | | | | | | |
permission of the Insurer , was able to sell some of the service for
| | | | | | | | | | | | | |
$9000 how much will the insurer pay for the cost? - correct
| | | | | | | | | | | |
answer - $40,000
| | |
13. An insurer has taking Sevich after paying $55,000 in a
| | | | | | | | |
covered fire loss. How will the insurance claim appear on the
| | | | | | | | | | |
insured loss history? - correct answer - A net claim of $45,000
| | | | | | | | | | | |
because they sold $10,000 in goods
| | | | | |
| | | | |
ILLINOIS PUBLIC ADJUSTER EXAM STUDY
GUIDE REVIEW 2025-2026 BRAND NEW
ACTUAL EXAM WITH 100% VERIFIED
QUESTIONS AND CORRECT SOLUTIONS
1. A hip roof is 42' long and 24'cfeet wide. How long is the Ridge?
| | | | | | | | | | | | |
- correct answer - 42' | | |
2. When may a truss be notch or grooved - correct answer - Only
| | | | | | | | | | | |
|when preapproved in writing by a certified engineer
| | | | | | |
3. What is the maximum rise of stairs - correct answer - 7-8"
| | | | | | | | | | |
4. What is a mullion - correct answer - A vertical member between
| | | | | | | | | | |
|the panels of a window, door or other opening
| | | | | | | |
, P age | 2
| | | | |
5. Which of the following is not a reason, for the Director to revoke or
| | | | | | | | | | | | |
|refuse to renew a public adjusters license? - correct answer -
| | | | | | | | | |
|Having is business owner's insurance policy canceled
| | | | | |
6. A contract to construct a commercial building at a new location
| | | | | | | | | |
|has just been agreed to, for an estimated completed value of
| | | | | | | | | |
$1 million. To avoid a coinsurance penalty, what limit of builders
| | | | | | | | | |
|risk coverage should be purchased? - correct answer -
| | | | | | | |
$1 million policy
| |
7. An insured has $150,000 in total home owners coverage on a
| | | | | | | | | |
|dwelling with to insurers, AS and ZZ. Both policies contain pro -
| | | | | | | | | | |
|Rata other insurance clauses. A $60,000 loss occurs.
| | | | | | |
|Disregarding deductibles, how much would each insurer pay? - | | | | | | | |
|correct answer - AAA will pay $40,000 and ZZ will pay $20,000
| | | | | | | | | | |
8. How many days does a home owners insured how to complete a
| | | | | | | | | | |
|proof of insurance - correct answer - 60 days after the insurer
| | | | | | | | | | |
|request it |
9. When would a commercial property insured request the value
| | | | | | | |
|reporting endorsement? - correct answer - For changing or a| | | | | | | | |
|flesh reading levels of personal property
| | | | |
, P age | 3
| | | | |
10. Business income coverage pays for which of the following? -
| | | | | | | | |
correct answer - Gross revenue minus continuing expenses
| | | | | | | |
11. Commercial property insurance would exclude which of the | | | | | | |
following acts of vandalism? - correct answer - Damage to an
| | | | | | | | | | |
advertising sign on the sidewalk
| | | | |
12. A manufacturer with a policy limit of $100,000 in a deductible of
| | | | | | | | | | |
$1000 had a fire loss that damaged a lot of inventory. The amount
| | | | | | | | | | | | |
of damage is estimated to be $50,000. The insured, with the
| | | | | | | | | | |
permission of the Insurer , was able to sell some of the service for
| | | | | | | | | | | | | |
$9000 how much will the insurer pay for the cost? - correct
| | | | | | | | | | | |
answer - $40,000
| | |
13. An insurer has taking Sevich after paying $55,000 in a
| | | | | | | | |
covered fire loss. How will the insurance claim appear on the
| | | | | | | | | | |
insured loss history? - correct answer - A net claim of $45,000
| | | | | | | | | | | |
because they sold $10,000 in goods
| | | | | |
