NC ADJUSTER LICENSING EXAM QUESTIONS
AND CORRECT ANSWERS| ACCURATE REAL
EXAM WITH FREQUENTLY TESTED QUESTIONS
AND RATIONALE|ALREADY A
GRADED|GUARANTEED PASS| 2025-2026
UPDATE.
Collin suffered a work-related injury on the morning of February
5th and was off work completely until he returned to work on full
duty on February 19th. Collin had worked for his employer for four
years and was paid $42,125 per year. Collin's state sets the TTD
rate at 66 2/3rd percent of the average weekly wage. The state
sets the maximum compensation rate at $420 per week and the
waiting period at 3 days retroactive after 10 days. Collin was not
paid for working on February 5th, so how many days of TTD
compensation is Collin entitled to receive? Correct Answer 14
All of the following are examples of insurable interest in property,
EXCEPT: Correct Answer The interest an individual has in the
property her parents will someday leave to her.
George went out for target practice one day with his handgun. He
has practiced many times with the same target located in the
woods behind his house. Unbeknownst to George, a neighbor
was walking in the woods behind the target one day and was shot
,in the leg by George. Intentional acts are never covered by
insurance, however, the claim filed by the injured neighbor may
be covered under George's liability coverage. Which of the
following is the most likely reason why? Correct Answer Shooting
the gun was an intentional act committed by George, but the
consequences of act (his neighbor being shot) were not intended
The duties of the insured after a loss are included in insurance
policy language to: Correct Answer Assist in the adjuster's
investigation of the claim
The perils insured against by a Homeowners policy are contained
within the: Correct Answer Insuring Agreements
Under a standard HO-3, the limit for Coverage C -- Personal
Property for a one or two-family dwelling: Correct Answer Is set at
50% of Coverage A
Which of the following flood zones show a "flood depth" instead of
a "base flood elevation" on a FIRM? Correct Answer AO
North Carolina law stipulates that buildings located within the
state that are covered under a Fire policy and suffer a total loss,
the insurance company: Correct Answer Is not liable to pay
amounts beyond the actual cash value of the insured property at
the time of the loss or damage
,Which of the following is generally not considered to be a legal
defense against claims of negligence? Correct Answer The loss to
the plaintiff was caused intentionally by the defendant. .
All of the following are true regarding the "Write Your Own"
program of the NFIP, EXCEPT: Correct Answer Insurers are
required to participate in the program
How are death benefits calculated for an employee who has died
as a result of a work related incident? Correct Answer 66 2/3% of
the employee's average weekly wage for 500 weeks
Sharon's North Carolina home is covered under a Homeowner's
policy with a "Refrigerated Property Coverage" endorsement
attached. She stores large amounts of expensive meats in her
freezer at any given time. One morning, she doesn't hear the low
hum of her freezer motor. When she opens her freezer door, she
finds that the freezer is no longer cold and all of her meat has
spoiled. Sharon collects her receipts and finds that the price of the
spoiled meat totals $658 and she submits a claim for this loss.
How much will her insurer pay? Correct Answer $500
Which of the following terms does NOT apply to workers
compensation coverage in North Carolina? Correct Answer
Temporary sick leave with benefits
, Coverage D - Loss of Use on the Homeowners forms provides
coverage for "Civil Authority Prohibits Use" for: Correct Answer No
more than two weeks
All of the following statements are TRUE of the terms used in the
standard workers' compensation policy, EXCEPT: Correct Answer
"State" means any state of the United States, the District of
Columbia, and all territories and possessions.
Under the comprehensive coverage of a Business Auto policy,
which of the following would not be a covered loss? Correct
Answer After sliding on an icy pavement, a driver hits a guard rail.
The Insurance Information & Privacy Protection Act (IIPPA)
requires insurers to conform to all of the following standards,
EXCEPT: Correct Answer Give reasonable notice for policy
renewal and other policy changes..
The Section I Additional Coverage of the standard
Businessowners policy provides coverage for "Debris Removal".
Which of the following statements best describes the limit for this
coverage? Correct Answer The total limit may be up to 25% of the
policy limit for the loss payable with the deductible included, plus
up to an additional $25,000 if the policy limits are exhausted
AND CORRECT ANSWERS| ACCURATE REAL
EXAM WITH FREQUENTLY TESTED QUESTIONS
AND RATIONALE|ALREADY A
GRADED|GUARANTEED PASS| 2025-2026
UPDATE.
Collin suffered a work-related injury on the morning of February
5th and was off work completely until he returned to work on full
duty on February 19th. Collin had worked for his employer for four
years and was paid $42,125 per year. Collin's state sets the TTD
rate at 66 2/3rd percent of the average weekly wage. The state
sets the maximum compensation rate at $420 per week and the
waiting period at 3 days retroactive after 10 days. Collin was not
paid for working on February 5th, so how many days of TTD
compensation is Collin entitled to receive? Correct Answer 14
All of the following are examples of insurable interest in property,
EXCEPT: Correct Answer The interest an individual has in the
property her parents will someday leave to her.
George went out for target practice one day with his handgun. He
has practiced many times with the same target located in the
woods behind his house. Unbeknownst to George, a neighbor
was walking in the woods behind the target one day and was shot
,in the leg by George. Intentional acts are never covered by
insurance, however, the claim filed by the injured neighbor may
be covered under George's liability coverage. Which of the
following is the most likely reason why? Correct Answer Shooting
the gun was an intentional act committed by George, but the
consequences of act (his neighbor being shot) were not intended
The duties of the insured after a loss are included in insurance
policy language to: Correct Answer Assist in the adjuster's
investigation of the claim
The perils insured against by a Homeowners policy are contained
within the: Correct Answer Insuring Agreements
Under a standard HO-3, the limit for Coverage C -- Personal
Property for a one or two-family dwelling: Correct Answer Is set at
50% of Coverage A
Which of the following flood zones show a "flood depth" instead of
a "base flood elevation" on a FIRM? Correct Answer AO
North Carolina law stipulates that buildings located within the
state that are covered under a Fire policy and suffer a total loss,
the insurance company: Correct Answer Is not liable to pay
amounts beyond the actual cash value of the insured property at
the time of the loss or damage
,Which of the following is generally not considered to be a legal
defense against claims of negligence? Correct Answer The loss to
the plaintiff was caused intentionally by the defendant. .
All of the following are true regarding the "Write Your Own"
program of the NFIP, EXCEPT: Correct Answer Insurers are
required to participate in the program
How are death benefits calculated for an employee who has died
as a result of a work related incident? Correct Answer 66 2/3% of
the employee's average weekly wage for 500 weeks
Sharon's North Carolina home is covered under a Homeowner's
policy with a "Refrigerated Property Coverage" endorsement
attached. She stores large amounts of expensive meats in her
freezer at any given time. One morning, she doesn't hear the low
hum of her freezer motor. When she opens her freezer door, she
finds that the freezer is no longer cold and all of her meat has
spoiled. Sharon collects her receipts and finds that the price of the
spoiled meat totals $658 and she submits a claim for this loss.
How much will her insurer pay? Correct Answer $500
Which of the following terms does NOT apply to workers
compensation coverage in North Carolina? Correct Answer
Temporary sick leave with benefits
, Coverage D - Loss of Use on the Homeowners forms provides
coverage for "Civil Authority Prohibits Use" for: Correct Answer No
more than two weeks
All of the following statements are TRUE of the terms used in the
standard workers' compensation policy, EXCEPT: Correct Answer
"State" means any state of the United States, the District of
Columbia, and all territories and possessions.
Under the comprehensive coverage of a Business Auto policy,
which of the following would not be a covered loss? Correct
Answer After sliding on an icy pavement, a driver hits a guard rail.
The Insurance Information & Privacy Protection Act (IIPPA)
requires insurers to conform to all of the following standards,
EXCEPT: Correct Answer Give reasonable notice for policy
renewal and other policy changes..
The Section I Additional Coverage of the standard
Businessowners policy provides coverage for "Debris Removal".
Which of the following statements best describes the limit for this
coverage? Correct Answer The total limit may be up to 25% of the
policy limit for the loss payable with the deductible included, plus
up to an additional $25,000 if the policy limits are exhausted
