Claims Adjuster Test Cheat Sheet 2026

The 30 highest-yield Claims Adjuster Test facts, distilled from real exam questions. Print it, save it as a PDF, or study it here — free, no sign-up.

1. Which personal insurance policy provides coverage for both personal liability and personal property without an endorsement? → Homeowner policy
2. In terms of crime insurance, what do we define someone who makes a blank deposit at a bank? → Messenger
3. What situations would an inboard motor boat owned by the insured be covered by the liability part of the homeowner policy? → When stored on the insured's premises in a garage
4. Which of the following is NOT a primary duty of the claims adjuster during the investigation phase? → Advancing a portion of the settlement before completing the investigation.
5. The failure to respond to correspondence about claims resulting from the insurer's policies within a reasonable amount of time. → Unfair claim settlement act
6. An adjuster can bind the insurer since they are fiduciary agents. Which of the following claims about this power is false? → Only an adjuster's written statements can legally bind an insurer
7. What is the primary purpose of workers' compensation insurance? → To provide income and medical benefits to employees injured on the job regardless of fault
8. How long is the deadline for filing a claim for medical payments under the homeowner's medical payments coverage? → 1 year
9. Which of the following is not a covered auto? → Pickup truck used in any business.
10. It is the scheduled fee that must be paid for an insurance policy. → Premium
11. What is the primary reason for an adjuster using a Reservation of Rights letter rather than a Non-waiver Agreement? → The insured isn't required to sign it
12. Who is in charge of making sure a ship is seaworthy? → The ship-owner
13. How long does the BOP allow the insurer to ask for the insured's books and records? → 3 yrs
14. Jessica unexpectedly suffered a loss to her house. After the defeat, Jessica has the following obligations, EXCEPT: → Be unbothered and make them pay for it
15. Recently, Princess misplaced one of her 1-carat emerald earrings. How would her insurance provider possibly make a settlement offer? → Pay a portion of the total value
16. If the appraisers are unable to agree on an umpire, who will decide under the appraisal clause? → Court
17. Which of the following Homeowners policy forms provides open peril coverage for both the dwelling and the policyholder's personal property? → HO-5 (Comprehensive Form)
18. Who provides a declaratory decision about the validity of a claim? → The court
19. An insurance policy is considered an aleatory contract because: → The exchange of value is unequal and depends on a future, uncertain event.
20. What period of time following the bond's expiration are losses covered under the discovery condition loss sustained form? → One year
21. The majority of insurance contracts' maximum responsibility for a specific loss is the _______. → Policy limits
22. Last night's hailstorm caused damage to Kate's home. What should she accomplish first this morning? → Contact her insurance company
23. The following are the four parts of a legal contract, except: → Endorsement
24. Which of the following losses to a covered auto would be paid under a Personal Auto Policy's Part D - Other Than Collision (Comprehensive) coverage? → The vehicle is damaged by hail during a severe thunderstorm.
25. Which of the following is not protected by a BOP? → Credit Union
26. Which of the following DOES NOT typically appear as a policy endorsement? → Flood
27. Which statements are false if an item has a stated, agreed-upon value? → The agreed value is able to fluctuate with current market value
28. Which of the following would fall under the liability policy of HO? → A golf cart used to play golf off insured's premises
29. In an insurance policy, which of the following is NOT a section? → Closing Statement
30. Upon receiving a new claim notification, which of the following is one of the adjuster's most immediate responsibilities according to most state regulations? → To make contact with the insured or claimant within a specified, prompt timeframe.