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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+|
An insured who suffers a total loss of the dwelling is required by
new building codes to install a sprinkler system when the house is
rebuilt under what coverage with all a part of the calls be insured?
- ANSWER-Audience or law coverage
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
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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
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
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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
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
ILLINOIS PUBLIC ADJUSTER EXAM VERSION 2 NEWEST
2025/2026 NEWEST ACTUAL EXAM WITH COMPLETE
QUESTIONS AND VERIFIED ANSWERS |ALREADY GRADED
A+|
An insured who suffers a total loss of the dwelling is required by
new building codes to install a sprinkler system when the house is
rebuilt under what coverage with all a part of the calls be insured?
- ANSWER-Audience or law coverage
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
, Page |2
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
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
, Page |3
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
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
