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TEXAS ALL LINES ADJUSTER EXAM LATEST
UPDATE 2025 ACTUAL EXAM| COMPLETE 400+
QUESTIONS AND CORRECT VERIFIED
ANSWERS/ GRADED A+ (BRAND NEW!!)
An agent, insured or claimant has intentionally deceived an
insurer for financial gain. Such an act is known as: - ANSWER -
Fraud
Which of the following losses would be covered under a Commercial Property policy with the special cause of loss form attached? - ANSWER - A fire that breaks out in an office building and causes damage to two of the offices.
If the Navigational Limits or Lay-Up period shown on the Declarations page of a standardized Yacht policy is breached
because of something out of the control of the insured: -
ANSWER - The insurer must be notified within 10 days after the breach and any additional premium that is due must be paid.
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pg. 2 An insurance company is given a C++ rating by A.M. Best. This
means: - ANSWER - The financial health of the insurance
company is good.
Which of the following is one of the duties of the insured as specified in a Commercial Inland Marine policy? - ANSWER - Submit to an examination under oath if the insurer requests it.
If the insured purchases a new aircraft to replace a scheduled aircraft, there is automatic coverage provided the insurance company is notified within ______ days of the purchase and premium payment is made. - ANSWER - 30
The giving up of a known right is called: - ANSWER - waiver
Which of the following is the best definition of "fire"? - ANSWER - Combustion, accompanied by visible light.
Which of the following is not an "additional coverage" under Homeowners Liability -- Section II coverage? - ANSWER - Damage to "property owned by the insured". 2 / 4
pg. 3 Which coverage of a Homeowners policy would pay for damage to a neighbor's window caused by the insured? - ANSWER - Coverage E
What type of insurance is usually provided or subsidized by the state or federal government because it is not ordinarily available from private insurers? - ANSWER - Residual market insurance.
The optional coverage for "Employee Dishonesty" under a standard Businessowners policy provides a "discovery period" for the insured to discover the dishonest act and have coverage still apply. Which of the following statements best describes the "discovery period" for this optional coverage? - ANSWER - The "discovery period" is one year from the end of the policy period.
Which of the following would be considered an Unfair Claim Settlement Practice? - ANSWER - Failing to deny coverage of a claim within a reasonable amount of time after concluding the investigation
The Commercial Building and Personal Property coverage form provides five extensions of coverage, but only if: - ANSWER - 3 / 4
pg. 4 An 80% or higher coinsurance percentage is shown on the Declarations page, and the property amount of coverage, based on that percentage, is purchased.
The crew of a ship is guilty of fraud with the intention of reaping gains at the expense of the owner. In ocean marine coverage, what is this called? - ANSWER - Barratry.
Symbol 23 is designated on the insured's Garage Coverage form.
This indicates that: - ANSWER - That owned private passenger
autos only are covered..
An applicant fails to disclose known facts when completing an
application for insurance. This act is known as: - ANSWER –
Concealment
An adjuster has uncovered some discrepancies in matters pertaining to a claim, and is unable to contact the insured to discuss these matters. What should the adjuster do in this situation? - ANSWER - Send a reservation of rights letter to the insured's last known address.
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