TEXAS ALL LINES
ADJUSTER EXAM
BRAND NEW!! 2025 (200+
QUESTIONS AND
CORRECT ANSWERS)
VERIFIED ANSWERS
1. All v of v the v following v are v criteria v for v an v accident v to v have v occurred v "in v the v course vof" vthe
vemployment vunder va vworkers' vcompensation vpolicy, vEXCEPT:
…ANS… vWhile vper- vforming va vtask vthat va vfellow vworker vrequested, vthat vwas vunusual vto vthe vemployee's vjob vdescription, vbut voccurred
von vthe vemployer's vpremises vduring vworking vhours.
2. Which v of v the v following v statements v is v NOT v TRUE v regarding v the v implied v war- vranties vof van
vOcean vMarine vpolicy?
…ANS… vThe vimplied vwarranties vare vattached vto vthe vpolicy vas van vendorse- vment..
3. Parmelia vis vcovered vunder vtwo vseparate vstandardized vPersonal vAutomobile vpolicies, vwith vPart vC
vlimits vunder vboth vpolicies vset vat v$200,000. vParmelia vis vin- vvolved vin van vaccident vwith van
vuninsured vmotorist vand vshe vsustains vbodily vinjury vdamages vfor v$262,320. vHow vmuch vwill
vParmelia vreceive vwhen vshe vsubmits va vclaim vfor vthese vdamages
…ANS… v$200,000
4. Which v of v the v following v endorsements v must v be v attached v to v a v standard v Busi- v nessowners
v policy v for v coverage v to v apply v to v a v businesses v freezer v that v was vdamaged vby vthe vinterruption vof
va vpower vsource
…ANS… v Utility vServices v- vDirect vDamage vendorsement.
v v
,5. After v completing v an v inspection v of v an v insured's v pressure v equipment v and v fire v suppression
v systems, v the v inspector v determines v that v the v pressure v equipment vneeds v to v be v repaired v and
v the v suppression v systems v have v not v been v cleaned v and vinspected v in v the v time v frame v required
v by v the v policy. v The v insurer v will:
…ANS… v Suspend vcoverage vimmediately vby vred vtagging vthe vitems vuntil vthey vare vrepaired, vcleaned vand vpass vreinspection
6. To vbe veligible vfor vcoverage vunder va vstandardized vDwelling vpolicy, vthe vinsured vmust vnot vallow
vmore vthan v boarders vto vlive von vthe vpremises.
…ANS… v5
7. All v of v the v following v are v "Perils v of v the v Sea" v under v an v Ocean v Marine v policy, vEXCEPT:
…ANS… vPirates
8. The vamount vof vinsurance vcountersigned, vissued, vor vsold vby van vagent vor vproducer vto vcover
vimmediate vfamily vmembers, van vemployer, vor vemployees vis vknown vas:
…ANS… vControlled vbusiness
9. Which v of v the v following v standardized v Dwelling v insurance v forms v provides v cov- v erage vfor vloss
vof vrental vincome
…ANS… vThe vDP-1, vDP-2, vand vDP-3 vforms
v v
,10. The v "Part v B v - v Medical v Payments" v coverage v of v a v personal v automobile v policy vcovers vinjuries
vfor vall vof vthe vfollowing, vEXCEPT:
…ANS… vA vpassenger vwho vis vinjured vin vanother vvehicle vthat vis vstruck vby vthe vinsured's vvehicle vin van vaccident
11. Which v of v the v following v are v the v Texas v Workers' v Compensation v benefits v that vare vincreased vby
va vcost-of-living vadjustment v(COLAs)
…ANS… vLifetime vIncome vBenefits v(LIBs) vonly
12. Hannah vmust vtake vtime vaway vfrom vwork vto vhelp vassist vin vthe vinvestigation vof va vclaim vthat
vwas vmade vagainst vher vBOP vpolicy. vThe vpolicy vwill vpay vfor vHannah's vactual vloss vof vearnings vup vto.
…ANS… v$250 vper vday.
13. Surplus vLines vcompanies vin vTexas vhave v v v v to vacknowledge vthe vreceipt vof va vclaim.
…ANS… v30 vdays.
14. All vof vthe vfollowing vare vcharacteristics vof va vprincipal vthat va vsurety vwill vscruti- vnize vduring
vthe vunderwriting vprocess, vEXCEPT.
…ANS… vConsideration.
15. Under v Section v II v of v a v Homeowners v policy, v a v cemetery v plot v owned v by v the vinsured vis
vconsidered vto vbe.
…ANS… vAn vinsuredvlocation.
16. Which vof vthe vfollowing vis vNOT vone vof vthe vfour vmajor vcoverages vof van vOcean vMarine vpolicy?
…ANS… vSeaworthiness.
17. A vship vhas vsuffered vdamage vand vsunk. vWhich vof vthe vfollowing vwould vrespond vto vcover vthe vloss
vof vthe vship?
…ANS… vHull vInsurance.
18. As v a v fiduciary v agent, v an v adjuster v has v the v power v to v bind v the v insurer. v Which vof vthe
vfollowing vstatements vis vFALSE vregarding vthis vpower?
…ANS… vOnly van vadjuster's vwritten vstatements vcan vlegally vbind van vinsurer.
19. The v standardized v Dwelling v forms v consider v all v eruptions v of v a v volcano v within v a v
period vto vbe va vsingle v"occurrence".
…ANS… v72-hour
20. Whose vresponsibility vis vit v to vcomplete va v"proof vof vloss"?
v v
, …ANS… v The vclaimant.
21. Which vof vthe vfollowing vwould vNOT vbe vdetermined vby va vcourt vwhen van vinsurer v has vfiled va
vdeclaratory vjudgment vaction?
…ANS… vThe vtype vand vamount vof vdamages vthat vwill vbe vpaid vto va vplaintitt vfor vthe vclaim vthat vis vbeing vdisputed.
22. Which vof vthe vfollowing vstatements vis vTRUE vregarding vthe vHomeowners v"addi- vtional vcoverage" vknown
vas vLandlord's vFurnishings?
…ANS… v The vcoverage vis vnot vadditional vinsurance vand vdoes vnot vincrease vthe vlimits vof vthe vpolicy.
v v
ADJUSTER EXAM
BRAND NEW!! 2025 (200+
QUESTIONS AND
CORRECT ANSWERS)
VERIFIED ANSWERS
1. All v of v the v following v are v criteria v for v an v accident v to v have v occurred v "in v the v course vof" vthe
vemployment vunder va vworkers' vcompensation vpolicy, vEXCEPT:
…ANS… vWhile vper- vforming va vtask vthat va vfellow vworker vrequested, vthat vwas vunusual vto vthe vemployee's vjob vdescription, vbut voccurred
von vthe vemployer's vpremises vduring vworking vhours.
2. Which v of v the v following v statements v is v NOT v TRUE v regarding v the v implied v war- vranties vof van
vOcean vMarine vpolicy?
…ANS… vThe vimplied vwarranties vare vattached vto vthe vpolicy vas van vendorse- vment..
3. Parmelia vis vcovered vunder vtwo vseparate vstandardized vPersonal vAutomobile vpolicies, vwith vPart vC
vlimits vunder vboth vpolicies vset vat v$200,000. vParmelia vis vin- vvolved vin van vaccident vwith van
vuninsured vmotorist vand vshe vsustains vbodily vinjury vdamages vfor v$262,320. vHow vmuch vwill
vParmelia vreceive vwhen vshe vsubmits va vclaim vfor vthese vdamages
…ANS… v$200,000
4. Which v of v the v following v endorsements v must v be v attached v to v a v standard v Busi- v nessowners
v policy v for v coverage v to v apply v to v a v businesses v freezer v that v was vdamaged vby vthe vinterruption vof
va vpower vsource
…ANS… v Utility vServices v- vDirect vDamage vendorsement.
v v
,5. After v completing v an v inspection v of v an v insured's v pressure v equipment v and v fire v suppression
v systems, v the v inspector v determines v that v the v pressure v equipment vneeds v to v be v repaired v and
v the v suppression v systems v have v not v been v cleaned v and vinspected v in v the v time v frame v required
v by v the v policy. v The v insurer v will:
…ANS… v Suspend vcoverage vimmediately vby vred vtagging vthe vitems vuntil vthey vare vrepaired, vcleaned vand vpass vreinspection
6. To vbe veligible vfor vcoverage vunder va vstandardized vDwelling vpolicy, vthe vinsured vmust vnot vallow
vmore vthan v boarders vto vlive von vthe vpremises.
…ANS… v5
7. All v of v the v following v are v "Perils v of v the v Sea" v under v an v Ocean v Marine v policy, vEXCEPT:
…ANS… vPirates
8. The vamount vof vinsurance vcountersigned, vissued, vor vsold vby van vagent vor vproducer vto vcover
vimmediate vfamily vmembers, van vemployer, vor vemployees vis vknown vas:
…ANS… vControlled vbusiness
9. Which v of v the v following v standardized v Dwelling v insurance v forms v provides v cov- v erage vfor vloss
vof vrental vincome
…ANS… vThe vDP-1, vDP-2, vand vDP-3 vforms
v v
,10. The v "Part v B v - v Medical v Payments" v coverage v of v a v personal v automobile v policy vcovers vinjuries
vfor vall vof vthe vfollowing, vEXCEPT:
…ANS… vA vpassenger vwho vis vinjured vin vanother vvehicle vthat vis vstruck vby vthe vinsured's vvehicle vin van vaccident
11. Which v of v the v following v are v the v Texas v Workers' v Compensation v benefits v that vare vincreased vby
va vcost-of-living vadjustment v(COLAs)
…ANS… vLifetime vIncome vBenefits v(LIBs) vonly
12. Hannah vmust vtake vtime vaway vfrom vwork vto vhelp vassist vin vthe vinvestigation vof va vclaim vthat
vwas vmade vagainst vher vBOP vpolicy. vThe vpolicy vwill vpay vfor vHannah's vactual vloss vof vearnings vup vto.
…ANS… v$250 vper vday.
13. Surplus vLines vcompanies vin vTexas vhave v v v v to vacknowledge vthe vreceipt vof va vclaim.
…ANS… v30 vdays.
14. All vof vthe vfollowing vare vcharacteristics vof va vprincipal vthat va vsurety vwill vscruti- vnize vduring
vthe vunderwriting vprocess, vEXCEPT.
…ANS… vConsideration.
15. Under v Section v II v of v a v Homeowners v policy, v a v cemetery v plot v owned v by v the vinsured vis
vconsidered vto vbe.
…ANS… vAn vinsuredvlocation.
16. Which vof vthe vfollowing vis vNOT vone vof vthe vfour vmajor vcoverages vof van vOcean vMarine vpolicy?
…ANS… vSeaworthiness.
17. A vship vhas vsuffered vdamage vand vsunk. vWhich vof vthe vfollowing vwould vrespond vto vcover vthe vloss
vof vthe vship?
…ANS… vHull vInsurance.
18. As v a v fiduciary v agent, v an v adjuster v has v the v power v to v bind v the v insurer. v Which vof vthe
vfollowing vstatements vis vFALSE vregarding vthis vpower?
…ANS… vOnly van vadjuster's vwritten vstatements vcan vlegally vbind van vinsurer.
19. The v standardized v Dwelling v forms v consider v all v eruptions v of v a v volcano v within v a v
period vto vbe va vsingle v"occurrence".
…ANS… v72-hour
20. Whose vresponsibility vis vit v to vcomplete va v"proof vof vloss"?
v v
, …ANS… v The vclaimant.
21. Which vof vthe vfollowing vwould vNOT vbe vdetermined vby va vcourt vwhen van vinsurer v has vfiled va
vdeclaratory vjudgment vaction?
…ANS… vThe vtype vand vamount vof vdamages vthat vwill vbe vpaid vto va vplaintitt vfor vthe vclaim vthat vis vbeing vdisputed.
22. Which vof vthe vfollowing vstatements vis vTRUE vregarding vthe vHomeowners v"addi- vtional vcoverage" vknown
vas vLandlord's vFurnishings?
…ANS… v The vcoverage vis vnot vadditional vinsurance vand vdoes vnot vincrease vthe vlimits vof vthe vpolicy.
v v
