CALA Catastrophe Adjusting & Disaster Response 2

Question 1

When a CAT adjuster is deployed to a hurricane-affected area, what is the FIRST priority upon arrival?

Accepted Answer

Establish a base of operations and check in with the CAT team supervisor

Answer

Upon CAT deployment, adjusters must first report to their supervisor and establish logistics before beginning field inspections.

Question 2

A 'storm surge' loss differs from a standard flood loss primarily because:

Accepted Answer

Storm surge is caused by ocean water pushed inland by hurricane winds, not rainfall

Answer

Storm surge is ocean water driven inland by hurricane-force winds and is a distinct peril from rain-caused flooding.

Question 3

Under the NFIP, which of the following is typically NOT covered by a Standard Flood Insurance Policy?

Accepted Answer

Currency, precious metals, and valuable papers

Answer

The NFIP SFIP excludes currency, precious metals, and valuable papers from coverage.

Question 4

A 'blue tarp' program following a major hurricane refers to:

Accepted Answer

A federal emergency temporary roof protection initiative

Answer

Operation Blue Roof is a USACE/FEMA program that installs temporary plastic sheeting on damaged roofs to prevent further interior damage.

Question 5

When adjusting wildfire losses, the adjuster should document 'ash and char lines' because:

Accepted Answer

They help establish the extent and direction of fire spread for coverage determination

Answer

Ash and char lines provide physical evidence of how far the fire extended and help establish covered versus non-covered damage boundaries.

(CALA) Certified All-Lines Adjuster Practice Test