FreeExam

Public Insurance Adjuster Examination

Representing the insured on a first-party property claim.

Insurance exams are administered by state insurance departments, designation sponsors, and actuarial societies. FreeExam is not affiliated with those organizations, and these questions are original practice, not an official test.

  1. 1.Nora hires a licensed public adjuster after a kitchen fire in her house on Maple Lane. Whom does that public adjuster represent?

  2. 2.A company adjuster is assigned to Eli's hail claim on his detached garage. Who hired that company adjuster?

  3. 3.An independent adjuster is sent to measure water damage at Lila's bookstore. Whom does that independent adjuster represent?

  4. 4.On Samir's first-party property claim, what duty does the public adjuster owe?

  5. 5.Three adjusters are involved in a fire at the Brooks house. Which statement of their roles is correct?

  6. 6.Before work begins on a wind claim, a public adjuster and the Dane family sign a written engagement. What should that writing state?

  7. 7.The Chen family's contract sets the public adjuster's fee at 10 percent of the roof payment. The insurer pays $40,000. What is the contract fee?

  8. 8.Hearth Bakery's contract charges 8 percent of the settlement on a smoke claim. The insurer pays the bakery $25,000. What is the contract fee?

  9. 9.Who prepares the insured's repair scope, documents the damage, and negotiates the amount with the company adjuster?

  10. 10.A public adjuster and the company agree on a covered kitchen loss at the Okonkwo house. Who issues the payment to the homeowner?

  11. 11.A sofa in the Ibarra living room has a replacement cost of $2,000 and depreciation of $500. What is its actual cash value?

  12. 12.A covered building loss at the Patel house measures $18,000, and the policy deductible is $1,000. How is the deductible applied?

  13. 13.A standard homeowners policy covers the Ng dwelling. Which loss is excluded by the usual flood exclusion?

  14. 14.A pipe inside Owen's wall splits overnight and water ruins the hallway floor. How should this water be classed against a river-flood exclusion?

  15. 15.After a garage fire, the insurer asks the homeowner for a sworn proof of loss. What is that document?

  16. 16.The insured and the insurer agree a roof is covered but disagree on the repair cost. What does an appraisal clause decide?

  17. 17.A public adjuster tells the company that a foundation crack came from a covered vehicle impact. The crack is old settlement. What is that statement?

  18. 18.While representing a warehouse owner, a public adjuster agrees to advise the insurer on how to reduce that same claim. What problem does that create?

  19. 19.Which task belongs to the public adjuster during the inspection of a fire-damaged diner?

  20. 20.A staff adjuster employed by the insurer inspects a damaged storefront. What is that person's role?

  21. 21.Rita's contract says the fee is 15 percent of the insurer's property payment on her apartment building. The insurer pays $60,000. What is the fee?

  22. 22.A commercial oven has a replacement cost of $12,000 and depreciation of $3,000. What is the actual cash value?

  23. 23.A covered contents loss at a gift shop is $9,500, and the deductible is $500. What remains after the deductible is subtracted?

  24. 24.Who is paid by the insurer to handle one cabin-fire claim and still represents the insurer?

  25. 25.River water damaged a house. The policy excludes flood, but the public adjuster tells the company the policy covers flood. What is that statement?

  26. 26.The parties dispute whether earthquake damage is covered. They agree on the repair price. Appraisal is the wrong tool because appraisal decides what?

  27. 27.A sworn proof of loss is prepared for a house fire. Who is responsible for the truth of that statement?

  28. 28.A dining table's replacement cost is $4,000. It has a 10-year life and is 4 years old. Straight-line depreciation is age divided by life. What is the actual cash value?

  29. 29.A public adjuster measures a rectangular roof that is 40 feet by 25 feet. How many roofing squares is that if one square is 100 square feet?

  30. 30.During negotiation of Helen's covered wind claim, the homeowner is the client. What does the public adjuster seek?

  31. 31.Which loss is the earthquake exclusion on a standard homeowners policy, rather than a burst pipe or a windstorm?

  32. 32.The insurer offers $22,000 on a covered fire loss at a print shop. The contract fee is 10 percent of the amount paid. If that offer is accepted, what is the fee?

  33. 33.A warehouse loss is covered for $45,000, and the deductible is $2,500. What is the insurer's payment after the deductible?

  34. 34.A public adjuster walks a loss with the company adjuster at a flooded-by-pipe cottage. Which description of their roles is accurate?

  35. 35.Which document does the insured submit to state the cause, the damaged property, and the amount claimed?

  36. 36.An independent adjuster and a public adjuster both attend a condo water loss. Which loyalty statement is correct?

  37. 37.A greenhouse hail contract sets the fee at 12 percent of a $50,000 settlement. What is the fee?

  38. 38.Damaged kitchen cabinets have a replacement cost of $8,000 and depreciation of $2,000. What is the actual cash value?

  39. 39.Why should the public adjuster measure and photograph a burned bedroom before repairs hide the damage?

  40. 40.A homeowner asks the public adjuster to add two undamaged bedrooms to a fire claim. What should the public adjuster refuse?

  41. 41.A retail shop has building damage and ruined stock after a fire. How should the public adjuster measure the claim?

  42. 42.A contract says the fee is 5 percent of the amount recovered. The insurer pays $80,000 on a covered warehouse roof. What is the fee?

  43. 43.A covered loss is measured at $30,000 actual cash value, and the deductible is $1,000. What does the insurer pay on that covered loss?

  44. 44.Two estimates disagree on the price to repair the same covered water damage. Coverage is not in dispute. Which clause is aimed at that amount dispute?

  45. 45.After a public adjuster and the company agree on the scope of a covered porch loss, which statement about payment is correct?

  46. 46.A guest cottage has a replacement cost of $50,000 and depreciation of $15,000. What is the actual cash value?

  47. 47.Many states limit a public adjuster's fee and require a cancellation period. Which statement is accurate?

  48. 48.A public adjuster is hired by a landlord after a fire in a rented studio. The landlord's insurer sends its own employee. Who is the public adjuster's client?

  49. 49.Which action is negotiation of a first-party property claim rather than issuance of payment?

  50. 50.A damaged floor measures 18 feet by 12 feet. How many square feet of flooring are damaged?

  51. 51.Which duty is rejected by the public adjuster's role on the insured's property claim?

  52. 52.A fence is 80 feet long. Replacement cost is $40 per linear foot, and depreciation is $8 per linear foot. What is the actual cash value of the whole fence?

  53. 53.Who may recommend a figure to the insurer without becoming the insured's representative?

  54. 54.A burst hose ruins carpet in a hallway. The public adjuster calls it sudden plumbing discharge. The company calls it a river flood. Which label fits a standard homeowners policy?

  55. 55.A cottage wind claim is paid at $10,000. The written fee is 20 percent of the recovery. What is the contract fee?

  56. 56.What should the insured's proof of loss contain on a first-party property claim?

  57. 57.Coverage is denied because the cause is excluded earthquake, and the repair cost is already agreed. Why will appraisal not reverse that denial?

  58. 58.A public adjuster lists a piano on a fire inventory even though the household never owned a piano. What is that act?

  59. 59.Drywall replacement cost is $6,000 and depreciation is $1,500. What is the actual cash value?

  60. 60.A covered loss of $16,400 has a $400 deductible. What remains after the deductible is subtracted?

  61. 61.An insurer hires an outside adjuster only for a grocery-store fire and pays that adjuster. Whom does the outside adjuster represent?

  62. 62.A hotel laundry has 12 dryers, and 5 of them are heat-damaged. How should the public adjuster count them?

  63. 63.A sign's replacement cost is $9,000. It is 6 years old with a 15-year life, and straight-line depreciation is 6/15 of replacement cost. What is the actual cash value?

  64. 64.A clinic's contract fee is 10 percent, and the insurer pays $75,000 on the covered roof. What is the fee, and who pays the settlement?

  65. 65.The adjusters agree a collapsed deck would cost $14,000 to rebuild. They disagree on whether the cause is covered collapse or excluded earth movement. What remains unresolved?

  66. 66.Which writing should exist before a public adjuster charges a fee for a storefront claim?

  67. 67.A room is 20 feet by 15 feet, and the ceiling is 8 feet high. How many square feet of floor were soaked?

  68. 68.After a chimney fire, the public adjuster prepares the insured's estimate and meets the company adjuster. What is that meeting?

  69. 69.The estimate for storm-damaged siding at the Pell house uses actual cash value. Actual cash value is which calculation?

  70. 70.A covered shed loss is $7,800, and the deductible is $250. What does the insurer owe after the deductible?

  71. 71.A public adjuster who already represents a plant owner offers to help the insurer dispute that owner's inventory. Why is the offer improper?

  72. 72.Hail hits a metal roof that is 30 feet by 50 feet. How many roofing squares is the roof if one square is 100 square feet?

  73. 73.A shop is worth $200,000. Its policy shows 80 percent coinsurance, so required insurance is $160,000. The shop carries $120,000. A covered loss is $40,000 before the deductible. What is the coinsurance result before the deductible?

  74. 74.A standard homeowners policy has no extra earth-movement coverage. Which cause is excluded?

  75. 75.A theater's contract fee is 7 percent of the amount the insurer pays. The insurer pays $100,000. What is the fee?

  76. 76.Which item belongs in the insured's proof of loss for a boutique fire?

  77. 77.A refrigerator has a replacement cost of $1,800 and depreciation of $400. What is the actual cash value?

  78. 78.The public adjuster explains that the deductible comes off the covered loss. A $11,000 covered loss has a $1,000 deductible. What remains?

  79. 79.Which pair is correct on a first-party claim for a damaged house?

  80. 80.Hail bruised only the north slope of a roof. The south slope is intact. What should the public adjuster's estimate include?

  81. 81.An independent adjuster is paid by the insurer for one school-roof claim. A public adjuster is paid under a contract with the school. Who represents the school?

  82. 82.When it is safe, why may the insured and the public adjuster inspect before debris is hauled away?

  83. 83.Commercial carpet is 40 feet by 25 feet. Replacement cost in this estimate is $2 per square foot, with no depreciation taken. What is the replacement cost?

  84. 84.The parties agree a fire is covered and disagree only on the contents total. Which path matches an appraisal clause?

  85. 85.The policy limit is $100,000. A public adjuster tells the company the limit is $200,000. What is that description?

  86. 86.Building replacement cost is $20,000 and depreciation is $4,000. The deductible is $1,000. What is the actual cash value before the deductible?

  87. 87.A duplex contract sets the fee at 10 percent of an $18,000 settlement. Which calculation follows that contract?

  88. 88.Which statement about a company adjuster on a house claim is accurate?

  89. 89.A warehouse contents claim lists 200 identical chairs. Forty are smoke-stained, and 160 were stored in a clean room. How many chairs belong on the damaged count?

  90. 90.The amount of a covered loss is agreed. The insured asks who sends the claim payment. What is the correct answer?

  91. 91.A stream leaves its banks and enters a finished basement. The homeowners policy has no flood coverage. How is that water treated?

  92. 92.A copier costs $3,000 to replace, has a 10-year life, and is 2 years old. Straight-line depreciation is age divided by life. What is the actual cash value?

  93. 93.Covered building damage is $28,000, and the deductible is $1,500. What is left after subtracting the deductible?

  94. 94.What is the public adjuster's role toward the proof of loss?

  95. 95.One contract sets the fee at 15 percent. The insurer settles a covered porch loss for $20,000. What is the fee under that contract?

  96. 96.A public adjuster and an independent adjuster both measure a damaged barn. Which loyalty is correct?

  97. 97.Which conduct is a proper way to present a broken-glass claim?

  98. 98.Siding replacement cost is $14,000 and depreciation is $3,500. What is the actual cash value?

  99. 99.On the Ortega house fire, the policy deductible is subtracted from which figure?

  100. 100.The company says river water is excluded. The public adjuster agrees the water came from the river and that the policy excludes flood. What is the honest conclusion?

  101. 101.A room is 16 feet by 12 feet. Baseboard runs the full perimeter, and no opening is deducted. How many linear feet of baseboard are there?

  102. 102.Who hires the public adjuster on a first-party commercial property claim?

  103. 103.A flower shop's contract fee is 8 percent of the payment. The insurer pays $15,000 for covered sprinkler leakage. What is the fee?

  104. 104.A boiler's replacement cost is $24,000 and depreciation is $6,000. What is the actual cash value?

  105. 105.After a grease fire, coverage for the fire is accepted. The only dispute is the cost to clean the ductwork. What can appraisal decide?

  106. 106.Which comparison of adjusters on one property claim is correct?

  107. 107.Which step is outside a public adjuster's role on a settled first-party claim?

  108. 108.A covered loss is $13,250, and the deductible is $250. What is the payment after the deductible is subtracted?