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FLORIDA CERTIFIED CLAIMS ADJUSTER
EXAM NEWEST 2025 ACTUAL EXAM
COMPLETE 500 QUESTIONS AND CORRECT
DETAILED ANSWERS (VERIFIED ANSWERS)
|ALREADY GRADED A+
What does Coverage A cover? - ANSWER-Dwelling building and any attached structures, and construction material or supplies on or adjacent to the premises for use in alteration or repair of dwelling.
Does Coverage A appear in the HO-4 (renters) policy? - ANSWER-No.
What does Coverage B cover? - ANSWER->"detached private structures" >any structure or building separated from the dwelling by a clear space.
Does coverage B appear the HO-4 (renters) policy? - ANSWER- No. 1 / 4
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What does coverage C cover? - ANSWER-Personal property, regardless of location.
What are the coverage C limits on Money, precious metals, stored cards and smart cards? - ANSWER-$200.00
What are the coverage C limits on Securities or other similar property? - ANSWER-$1,500.00
What are the coverage C limits on Watercraft including, trailers, accessories, and equipment? - ANSWER-$1,500.00
What are the coverage C limits on Trailers not used with watercraft? - ANSWER-$1,500.00
What are the coverage C limits on Jewelry, watches, furs, precious and semi-precious stones caused by theft? - ANSWER-
$1,500.00
What are the coverage C limits on Silverware, goldware or pewterware caused by theft? - ANSWER-$2,500.00 2 / 4
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What does Coverage D cover? (Housing) - ANSWER-payment for the increase in living expenses when the residence is uninhabitable due to a covered loss
True or false Debris removal is included in the limit liability that applies to the property (A,B, or C) - ANSWER-True.
In regards to debris removal an additional 5% of the applicable limit is available when? - ANSWER-When the cost of the actual damage to the property plus the debris removal exceeds the limit of liability for the damaged property.
Debris removal coverage only applies to what? - ANSWER- debris of the covered property External debris if it causes damage to covered property.
What is the maximum limit for debris removal, and what is the maximum limit per tree removal? - ANSWER-1,000 per occurrence, $500 per tree.
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How much will the policy pay for trees, shrubs and plants?(Homeowners) - ANSWER-up to 5% of the dwelling limit for all trees, shrubs, plant or lawns. (Only perils normally covered by HO-3)
What is the limit per tree shrub or plant? - ANSWER-$500
Under the reasonable repairs the policy holder must do what? - ANSWER-Take appropriate action to protect their property from further damage.
When acting on Preservation of Property, how long are the moved personal property covered? (Homeowners) - ANSWER- 30 days.
Under the Fire department service Charge (homeowners) how much will the policy pay? - ANSWER-$500.00
What does the dwelling property exist for? - ANSWER-Low Valued properties Rental properties Company held residences used by its employees.
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