Catastrophe Adjusting & Disaster Response Flashcards
7 cards from real CALA practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.
Read the first 7 Catastrophe Adjusting & Disaster Response flashcards as text
When a CAT adjuster is deployed to a hurricane-affected area, what is the FIRST priority upon arrival?
Answer: Establish a base of operations and check in with the CAT team supervisor
Upon CAT deployment, adjusters must first report to their supervisor and establish logistics before beginning field inspections.
A 'storm surge' loss differs from a standard flood loss primarily because:
Answer: Storm surge is caused by ocean water pushed inland by hurricane winds, not rainfall
Storm surge is ocean water driven inland by hurricane-force winds and is a distinct peril from rain-caused flooding.
Under the NFIP, which of the following is typically NOT covered by a Standard Flood Insurance Policy?
Answer: Currency, precious metals, and valuable papers
The NFIP SFIP excludes currency, precious metals, and valuable papers from coverage.
A 'blue tarp' program following a major hurricane refers to:
Answer: A federal emergency temporary roof protection initiative
Operation Blue Roof is a USACE/FEMA program that installs temporary plastic sheeting on damaged roofs to prevent further interior damage.
When adjusting wildfire losses, the adjuster should document 'ash and char lines' because:
Answer: They help establish the extent and direction of fire spread for coverage determination
Ash and char lines provide physical evidence of how far the fire extended and help establish covered versus non-covered damage boundaries.
In a CAT deployment, 'desk adjusting' refers to:
Answer: Adjusting claims from a remote office using photos and documentation without a field inspection
Desk adjusting involves handling claims remotely using submitted photos, contractor estimates, and documentation rather than in-person inspection.
Which document is MOST important for a CAT adjuster to review before entering a post-earthquake structure?
Answer: Building department inspection tags or placards indicating structural safety status
Post-earthquake placards (green/yellow/red tags) indicate whether a structure is safe to enter, posing safety risks if ignored.