HAWAII ADJUSTER EXAMINATION TEST 2026
QUESTIONS WITH ANSWERS GRADED A+
◉ When the Hawaii Department is investigating possible insurance law
violations, the Commissioner will pay all of the following, EXCEPT:
Answer Choices:
Cost to search for items designated by the subpoena.
Mileage for witnesses to attend the hearing.
Costs to reproduce records relating to the case.
Costs to transport the books, papers, documents or records relating to the
case. Answer: Mileage for witnesses to attend the hearing
◉ What is the bond limit that is required for a public adjuster's license?
Answer: $10,000
◉ What section of an insurance contract contains the terms used
throughout the policy? Answer: Definitions
◉ Under the National Flood Insurance Program, replacement cost
coverage is available for: Answer: Single family dwellings only.
◉ In order to receive full replacement cost recovery on a covered loss
under a BOP, the named insured must maintain insurance limits equal to
, at least what percentage of the covered property's full replacement
value? Answer: 80% of the property value
◉ The inland marine coverage form that covers clothing, cameras and
other portable property worn or carried by tourists and travelers is a
Answer: Personal effects floater
◉ A Commercial General Liability form provides automatic coverage
for newly acquired organizations for up to Answer: 90 Days
◉ Under the Additional Coverages of the Businessowners Property
forms, property removed to protect it from loss will be covered at
another location for up to Answer: 30 Days
◉ Garagekeepers specified causes of loss coverage would apply to each
of the following, EXCEPT:
Fire, Windstorm, Falling Objects, or Lightening Answer: Windstorm
◉ If there were other existing insurance, coverage under crime insurance
would be Answer: Pro Rated
◉ How long must a foreign or alien insurer have transacted business
elsewhere in order to transact business in Hawaii? Answer: 5 Years
QUESTIONS WITH ANSWERS GRADED A+
◉ When the Hawaii Department is investigating possible insurance law
violations, the Commissioner will pay all of the following, EXCEPT:
Answer Choices:
Cost to search for items designated by the subpoena.
Mileage for witnesses to attend the hearing.
Costs to reproduce records relating to the case.
Costs to transport the books, papers, documents or records relating to the
case. Answer: Mileage for witnesses to attend the hearing
◉ What is the bond limit that is required for a public adjuster's license?
Answer: $10,000
◉ What section of an insurance contract contains the terms used
throughout the policy? Answer: Definitions
◉ Under the National Flood Insurance Program, replacement cost
coverage is available for: Answer: Single family dwellings only.
◉ In order to receive full replacement cost recovery on a covered loss
under a BOP, the named insured must maintain insurance limits equal to
, at least what percentage of the covered property's full replacement
value? Answer: 80% of the property value
◉ The inland marine coverage form that covers clothing, cameras and
other portable property worn or carried by tourists and travelers is a
Answer: Personal effects floater
◉ A Commercial General Liability form provides automatic coverage
for newly acquired organizations for up to Answer: 90 Days
◉ Under the Additional Coverages of the Businessowners Property
forms, property removed to protect it from loss will be covered at
another location for up to Answer: 30 Days
◉ Garagekeepers specified causes of loss coverage would apply to each
of the following, EXCEPT:
Fire, Windstorm, Falling Objects, or Lightening Answer: Windstorm
◉ If there were other existing insurance, coverage under crime insurance
would be Answer: Pro Rated
◉ How long must a foreign or alien insurer have transacted business
elsewhere in order to transact business in Hawaii? Answer: 5 Years
