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ILLINOIS PUBLIC ADJUSTER EXAM VERSION 2 NEWEST
2025/2026 NEWEST ACTUAL EXAM WITH COMPLETE
QUESTIONS AND VERIFIED ANSWERS |ALREADY GRADED
A+|
Which of the following would be covered on a home owners
policy? - ANSWER-Damage to floors caused by
Busting pipes inside the house
Which of the following is covered under a homeowners policy -
ANSWER-Hostile fire
A homeowner must replace or repair property in order to receive
replacement cost settlement. However, the Insurer will pay
replacement cost in a covered loss to buildings or other structures
prior to repair or replacement if the loss is less than $2500 and.. -
ANSWER-The loss is also less than 5% of the limit on the building
How many days does an insured have to complete a signed,
sworn proof of loss? - ANSWER-60 days after the Insurer request
it
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Which of the following home owners forms does not cover
buildings - ANSWER-HO-4 ex. Covers pets
HO-3 policy provides replacement cost protection for which
property below?
A. Personal property
B. Animals and birds
C. Dwellings and other structures
D. All of Above - ANSWER-All of the above
Under a farm owners policy, which would be the most appropriate
coverage for a farm tractor? - ANSWER-Coverage E
What kind of losses can a commercial property insurance cover? -
ANSWER-Direct and indirect losses
Commercial property policy with basic causes of laws which
exclude which of the following acts of vandalism?
A. An antenna on top of the building
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B. chemicals through onto a buildings roof
C. Spray painting on a building walls
D. All of Above - ANSWER-D. All of above
An insured commercial building is vandalized, which of the
following damage would be covered? - ANSWER-An antenna on
top of the building
A commercial building insured added replacement cost, is
destroyed doing the rebuilding. It is discovered that a sprinkler
system would need to be installed due to a change in building
codes. Which is correct - ANSWER-The sprinkler system will be
covered up to $10,000 or 5% of the building limit, which ever is
less
If an insured commercial building insured for $500,000 sustains a
$100,000 in fire damage. Which of the following could not also be
automatically covered - ANSWER-$850 fire department charge for
water in for overtime pay to firefighters
ILLINOIS PUBLIC ADJUSTER EXAM VERSION 2 NEWEST
2025/2026 NEWEST ACTUAL EXAM WITH COMPLETE
QUESTIONS AND VERIFIED ANSWERS |ALREADY GRADED
A+|
Which of the following would be covered on a home owners
policy? - ANSWER-Damage to floors caused by
Busting pipes inside the house
Which of the following is covered under a homeowners policy -
ANSWER-Hostile fire
A homeowner must replace or repair property in order to receive
replacement cost settlement. However, the Insurer will pay
replacement cost in a covered loss to buildings or other structures
prior to repair or replacement if the loss is less than $2500 and.. -
ANSWER-The loss is also less than 5% of the limit on the building
How many days does an insured have to complete a signed,
sworn proof of loss? - ANSWER-60 days after the Insurer request
it
, Page |2
Which of the following home owners forms does not cover
buildings - ANSWER-HO-4 ex. Covers pets
HO-3 policy provides replacement cost protection for which
property below?
A. Personal property
B. Animals and birds
C. Dwellings and other structures
D. All of Above - ANSWER-All of the above
Under a farm owners policy, which would be the most appropriate
coverage for a farm tractor? - ANSWER-Coverage E
What kind of losses can a commercial property insurance cover? -
ANSWER-Direct and indirect losses
Commercial property policy with basic causes of laws which
exclude which of the following acts of vandalism?
A. An antenna on top of the building
, Page |3
B. chemicals through onto a buildings roof
C. Spray painting on a building walls
D. All of Above - ANSWER-D. All of above
An insured commercial building is vandalized, which of the
following damage would be covered? - ANSWER-An antenna on
top of the building
A commercial building insured added replacement cost, is
destroyed doing the rebuilding. It is discovered that a sprinkler
system would need to be installed due to a change in building
codes. Which is correct - ANSWER-The sprinkler system will be
covered up to $10,000 or 5% of the building limit, which ever is
less
If an insured commercial building insured for $500,000 sustains a
$100,000 in fire damage. Which of the following could not also be
automatically covered - ANSWER-$850 fire department charge for
water in for overtime pay to firefighters
