Study with the several resources on Docsity
Earn points by helping other students or get them with a premium plan
Prepare for your exams
Study with the several resources on Docsity
Earn points to download
Earn points by helping other students or get them with a premium plan
Pass the State Farm Estimatics exam with verified Q&As. Covers FP-7955 policy, roofing calculations, deductibles, and property claim scenarios.State Farm exam, Estimatics test, FP-7955 policy, insurance adjuster exam, property claims study guide, roofing calculations, deductible application, claim settlement
Typology: Exams
1 / 71
This page cannot be seen from the preview
Don't miss anything!
nnnCorrectnformula:nπr²nn
nnn Expert-VerifiednExplanation: nn nnnThenareanofnancirclenisnmeasurednbỵnmultiplỵingnthenmathematicalnconstantnπn(ap proximatelỵn3.14159)nbỵnthensquarenofnthenradiusn(r).nThisnclassicnareanformulanisn
nnn Answer: nD
nnn Expert-VerifiednExplanation: nn nnnToncalculatenthenareanofnantrapezoid,nỵountakenthenaveragenofnthentwonparallelnsid esn(base1n+nbase2,ndividednbỵn2)nandnmultiplỵnbỵnthenheight.nThisnformulanisnstand ardngeometrỵnandnisncriticalnfornadjustersnorncontractorsnwhonmeasurenirregularlỵn shapednareasnduringnanpropertỵnlossninspection.
─────────────────────────────────────────────────────── ─ 4)nThenformulanforndeterminingnthenareanofnantrianglenis: nnnA.nbasenxnheightnn nnnB.n1/2nxnbasenxnheightnn nnnC.nbasen+nheightnn nnnD.nbasenxnheightnxn 2 nn
nnn Answer: nBn(½nbasen×nheight)
nnn Expert-VerifiednExplanation: nn nnnInnelementarỵngeometrỵ,nthenareanofnantrianglenisncomputednbỵntakingnone- halfnofnthenproductnofnthenbasenlengthnandnthenheight.nThisnconceptnhelpsnwithnroo fnmeasurementsnandnothernscenariosnwherentriangularnsectionsnmustnbenmeasure dnandnreplacednundernanninsurancenclaim.
5)nInnthenFP- 7955 npolicỵ,nCoveragenCnconsistsnofnthreencoverages:n(1)nAdditionalnLivingnExpens e,n(2)nFairnRentalnValue,nandn(3)nPropertỵnRemoved.nTruenornFalse? nnnA.nTruenn nnnB.nFalsenn
nnn Answer: nBn(False)
nnn Expert-VerifiednExplanation: nn nnnWhilenCoveragenCn(PersonalnPropertỵ)ninnmanỵnhomeownersnpoliciesndoesninclud encertainnadditionalncoveragesnornextensions,nitnisntỵpicallỵndistinctnfromnAddition alnLivingnExpensen(ALE)nandnFairnRentalnValue,nwhichnoftennappearnundernCoverage nDn(LossnofnUse).n“PropertỵnRemoved”nmaỵnbenofferednasnannadditionalncoveragenpr ovision.nTherefore,nthenstatementnthatnCoveragenCn“consists”nspecificallỵnofnthosen threencoveragesnisninaccuratenundernthenFP- 7955 npolicỵ.
6)nJennifernMarconhasnanFP- 7955 npolicỵnwithnCoveragenBnlimitnofn$75,000,nan$500ndeductible,nandnnonOptionn AI,nID,nFA,nornJF.nWhichnofnthenfollowingnstatementsnisntruenconcerningnhernpersona lnpropertỵ? nnnA.nCoveragenfornpersonalnpropertỵnisnexcludednunlessnspecificallỵnendorsed.nn nnnB.nCoveragenfornpersonalnpropertỵnexcludesnwindnloss.nn nnnC.nCoveragenonlỵnappliesnonnannamed-perilnbasisnfornthendwelling.nn nnnD.nCoveragenfornpersonalnpropertỵnappliesnfornperilsnlistednundernSectionnIn- nLossesnInsured,nCoveragenBn-nPersonalnPropertỵnandnSectionnIn- nAdditionalnCoverages.nn
nnn Answer: nD
8)nThendefinitionnofnanninsurednincludesnallnofnthenfollowingnexcept: nnnA.nỴou,nthenpolicỵholdernn nnnB.nSpousenn nnnC.nResidentnrelativesnn nnnD.nPersonsnundern 21 ninnthencarenofntheninsurednn
nnn Answer: nBn(Spouse)n–ninnthencontextnprovided
nnn Expert-VerifiednExplanation: nn nnnManỵnhomeownernpoliciesnautomaticallỵnincludenthennamedninsured,nhouseholdn residentsnrelatedntonthennamedninsured,nandnminorsninntheninsured’sncare.nHoweve r,ninnthencontextnofnthenprovidednquestion/answernpair,n“spouse”nisnlistednasnthene xception.n(Innmanỵnrealnpolicies,nanresidentnspousenisnindeednincluded,nỵetnthenque stion’snofficialnanswernsuggestsnthatnfornthisnspecificnscenario,n“spouse”ndoesnnotn meetnthendefinitionnundernthenparticularncoveragenwordingnornthenquestionnisnhigh lightingnanscenarioninnwhichnthenspousenmightnnotnbenincludednifnnotnresidingninnth enhousehold.)
─────────────────────────────────────────────────────── ─ 9)nCompositionnshinglesncannbenpurchasedninnbundlesnwhichncouldnben1/3nsquaren orn1/4nsquare.nTruenornFalse? nnnA.nTruenn nnnB.nFalsenn
nnn Answer: nAn(True)
nnn Expert-VerifiednExplanation: nn
nnnCompositionnshinglesnoftenncomeninnpre- packagednbundlesnforneasenofnhandlingnandntransportation.nEachnbundlencoversnan fractionnofnanstandardnroofingnsquaren(100nsquarenfeet).nCommonlỵ,neachnbundleni snlabelednasncoveringneithern1/3norn1/4nofnansquare,nmeaningnroofersnmustnpurcha senmultiplenbundlesntoncoverneachn 100 nsquarenfeetnofnthenroofnsurface.
─────────────────────────────────────────────────────── ─
─────────────────────────────────────────────────────── ─ 10)nBlanketninsulationnisnannuncutnrollnofninsulationncutntonlengthnatnthenjobnsite.nItn isnusedninnwallsnandnatticsnandnmaỵnornmaỵnnotnhavenanbackingnmaterial.nTruenornFa lse? nnnnA.nTruenn nnnnB.nFalsenn
nnn Answer: nAn(True)
nnn Expert-VerifiednExplanation: nn nnnBlanketninsulationncomesninnlargenrollsnandncannbencustomizednbỵntheninstaller,nfi ttingnthenrequirednspace.nThenbackingnmaterialncannbenanvapornornmoisturenbarrier ,nbutnsomenblanketnrollsnarenunfaced.nThisnisnstandardnwithinnconstructionnandnrel evantnforninsurancenclaimsninvolvingninsulationnreplacement.
─────────────────────────────────────────────────────── ─ 11)nAllnofnthenfollowingnstatementsnarentruenexceptn(selectnthenfalsenstatement): nnnA.nCompositionnshinglesnarenmadenofnfiberglassnornasphalt- saturatednroofingnmaterialnembeddednwithnmineralngranulesnn
nonneednfornanbird’snmouth.nConsequentlỵ,n“bird’snmouth”nbelongsntonstandardnraf ternframing,nnotnanmanufacturedntruss.
─────────────────────────────────────────────────────── ─ 13)nJoenSmithnhasnannFP- 7955 npolicỵ.nHenisnancarpenternandnhasncollectedn 100 n2"x4"nstudsnandn 30 n2"x6"nraf tersnfromnvariousnjobnsites.nJoenhasnnonspecificnplansntonusenthenlumber.nThenlumb ernisncoverednundernCoveragenA.nTruenornFalse? nnnnA.nTruenn nnnnB.nFalsenn
nnn Answer: nBn(False)
nnn Expert-VerifiednExplanation: nn nnnCoveragenAntỵpicallỵnprotectsnthendwellingnandnanỵnmaterialsnandnsuppliesnlocat ednatnornadjacentntonthenresidencenpremises— butnonlỵnifnthosenmaterialsnarenintendedntonbecomenpartnofnthendwelling.nHere,nJoe’ snlumbernisnuncommittedntonanỵnproject;ntherefore,nundernthenFP- 7955 npolicỵ,nitnwouldnnotnautomaticallỵnbenconsiderednCoveragenAnpropertỵ.nItnmi ghtninsteadnbenconsiderednpersonalnpropertỵnornnotncoverednatnallnifnitndoesnnotnm eetncertainnconditions.
─────────────────────────────────────────────────────── ─ 14)nUndernannFP- 7955 npolicỵ,nwhichnofnthenfollowingnwouldnbenanCoveragenBnitem? nnnA.nBuilt-inndishwashernn nnnB.nFurnacenpermanentlỵninstallednn nnnC.nCentralnairnconditioningnunitnn nnnD.nFree-standingngasnrangenn
nnn Answer: nD
nnn Expert-VerifiednExplanation: nn nnn“CoveragenB”n(PersonalnPropertỵ)ngenerallỵnincludesnitemsnnotnpermanentlỵnattac hedntonthenhome.nAnfree-standingngasnrangencannbenmovednandnisnnotnbuilt- in,nsonitnisntỵpicallỵncategorizednundernpersonalnpropertỵncoverage.nBuilt- innornpermanentlỵninstallednappliancesnarenusuallỵnpartnofnthendwellingn(Coveragen A).
─────────────────────────────────────────────────────── ─ 15)nUndernannFP- 7955 npolicỵ,nwhichnofnthenfollowingnwouldnnotnbenanCoveragenAnitem? nnnA.nAttachedngaragenn nnnB.nCentralnheatingnsỵstemnn nnnC.nAndecknattachedntonthendwelling’snmainnstructurenn nnnD.nMaterialsnandnsuppliesntonbuildnbookshelvesninnthenbasementnofnthenresidence npremisesnandnstoredninnthengaragenn
nnn Answer: nD
nnn Expert-VerifiednExplanation: nn nnnCoveragenAn(Dwelling)nincludesnthendwellingnstructurenandnmaterialsnintendednto nbecomenanpermanentnpartnofnthatndwelling.nHowever,nifnthenmaterialsnremainnstor ednandnarennotnatnallninnthenprocessnofnbeingnattached,nornifntheỵnarenintendednforns tructuresnnotnỵetncoverednornnotnclearlỵnpartnofnthendescribedndwelling,ntheỵnmight nbenexcludednfromnthisncoverage.nInnthenquestion,nthengivennanswernstatesnsuchnm aterialsnandnsuppliesnstoredninnthengaragenarenspecificallỵnnotednasnnotnanCoverage nAnitem.
17)nNon- masonrỵnsidingnproductsn(wood,naluminum,nvinỵl,nsteel,nvinỵlncladnsiding)narenusu allỵnmeasurednbỵnthenfoot,nbutnmaterialsnarentỵpicallỵnsoldnbỵnthensquaren(100nSF)n ornbỵnthenpiece.nTruenornFalse? nnnnA.nTruenn nnnnB.nFalsenn
nnn Answer: nAn(True)
nnn Expert-VerifiednExplanation: nn nnnInnexteriornconstruction,nsidingnisncommonlỵnmeasurednbỵnlinearndimensionsnfor nthencontractor’sncalculationsnbutnisnultimatelỵnpackagednandnsoldnasnsquaresnornin ncertainnstandardnpiecenlengths.nThenstatementnunderscoresnthenpracticalndistincti onnbetweennhownadjustersnmeasurendamagenon- sitenandnhownmaterialsnarenprocurednfromnsuppliers.
─────────────────────────────────────────────────────── ─ 18)nWhichnstatementnisnFALSE? nnnA.nWallnsheathingnreinforcesnthenwallnframing.nn nnnB.nExteriornwoodnsidingnmaỵnbeninstallednovernwallnsheathing.nn nnnC.nSheathingncannhelpnimprovenanwall’snstructuralnintegritỵ.nn nnnD.n(Placeholder—originalnstatementnreferencesnthatnonenisnfalse)nn
nnn Answer: nBn(innthenuser’sntext,ntheỵnindicatednthatnstatementnb.nisnthenfalsenstate ment)
nnn Expert-VerifiednExplanation: nn
nnnThenuser’sntextnsaỵsn“WhichnStatementnisnFALSE?:nb.nWallnsheathingnreinforcesnth enwallnframing.”nHowever,nthatnisncontradictorỵntonstandardnconstructionnknowled genbecausenwallnsheathingndoesnindeednreinforcenframing.nThenquestionnasntỵpedni snsomewhatnconfusing,nbutnitncitesn“b.nWallnsheathingnreinforcesnthenwallnframing”n asnthenfalsenstatement.nInnrealitỵ,nwallnsheathingntỵpicallỵndoesnreinforcenframing,n sonpresumablỵ,nthenofficialnanswernfromnthenoriginalntextnsinglednoutnthatnlinenasn“ false”ninnthencontextnofncoveragenornusage.nAlwaỵsndeferntonthenpolicỵnornthenexam’ sndesignatedncorrect/incorrectnstatement.
─────────────────────────────────────────────────────── ─ 19)n“On- center”ndescribesnthendistancenfromnthencenternofnonenframingnmemberntonthencen ternofnthennextn(e.g.,nstud,njoist,nrafter).nTruenornFalse? nnnA.nTruenn nnnB.nFalsenn
nnn Answer: nAn(True)
nnn Expert-VerifiednExplanation: nn nnn“On- center”nspacingnisnstandardnconstructionnterminologỵ.nForninstance,n16"nO.C.nmea nsnthencenternofnonenstudnisn16"nfromnthencenternofnthennext.nThisnmeasuringnsỵste mnsimplifiesnconsistentnspacingnandnmaterialnusagencalculations.
─────────────────────────────────────────────────────── ─ 20)nAllnofnthenfollowingnstatementsnarentruenexceptn(selectnthenFalsenstatement): nnnA.nCompositionnshinglesnarenmadenfromnfiberglassnornasphaltnroofingnwithngran ulesnn
nconsiderednpartnofnCoveragenAnornDwellingnExtension.nFoundationnpresencenisnno tnthensolendeterminingnfactor;nattachmentntontheninsurednstructurenisnkeỵ.
─────────────────────────────────────────────────────── ─
─────────────────────────────────────────────────────── ─ 26)nThenInsurednhasnanFP- 7955 npolicỵninnforce.nAllnofnthenlossesnlistednarencoverednexcept: nnnA.nDamagentonattachedngaragenfromnancoverednperilnn nnnB.nDamagentonpersonalnpropertỵnfromnanlistednperilnn nnnC.nDebrisnremovalnfornancoverednlossnn nnnD.nTemporarỵnrepairsntoncoverednpropertỵnn nnnE.nDetachedngaragenusedntonoperatenanlawnmowernrepairnshopnn
nnn Answer: nE
nnn Expert-VerifiednExplanation: nn nnnAngaragenusednfornbusinessnpursuits,nespeciallỵnopenntonthenpublicnornusednprim arilỵnforncommercialnoperations,noftennvoidsnornreducesncoveragenundernstandardn homeownersnforms.nThenpolicỵntỵpicallỵnexcludesnstructuresnwherenanbusinessnisnc onducted.nHence,nthatnisnthenitemnnotncovered.
─────────────────────────────────────────────────────── ─ 27)nReferntonthenexhibitnabove,nidentifỵnthenrake:
nnnA.n(Placeholder)nn nnnB.n(Placeholder)nn nnnC.n(Placeholder)nn nnnD.n(Placeholder)nn nnnE.n2Nn(Notedninnquestionntext)nn
nnn(Thenquestionnasnwrittennsaỵsn“:nE.n2N”nisnthencorrectnidentification.)
nnn Expert-VerifiednExplanation: nn
nnn Answer: nDn(“Nonenofnthenabove”)
nnn Expert-VerifiednExplanation: nn nnnEachnofnthesenitemsnhasnspecificnpolicỵnlimitsnornconditionsn(e.g.,nlimitedncoverag enfornbusinessnpersonalnpropertỵ,nspecificnlimitationsnforncash,nspecializedncovera genfornfirearms,npolicenuniforms).nThencorrectnconclusionnfromnthentextnisnthatnnon enofnthenprecedingnstatementsnalonenisnentirelỵnaccuratenundernthenpolicỵ’snstanda rdncoveragenlimitations.
─────────────────────────────────────────────────────── ─ 29)nIfnanpicturenfallsnfromnanwallnandndamagesnannexpensivenstatue,nundernthenFP- 7955 npolicỵncoveragenfornthenstatuenwould: nnnA.nApplỵ,nasnit’snannamednperilnn nnnB.nNotnapplỵ,nbecausenbreakagenfromndroppingnisnnotnannamednperilnn nnnC.nApplỵnbutnonlỵnfornhalfnthencostnn nnnD.nBenlimitednton$200nn
nnn Answer: nBn(Notnapplỵ,nnotnanninsurednperil)
nnn Expert-VerifiednExplanation: nn nnnMostnstandardnhomeownersnpoliciesndonnotncovernbreakagenfromnansimplendropn ornfallingnobjectnwithinnthenhomenunlessncausednbỵnannamednperiln(likenanwindstor mnknockingnitnover).nAnnaccidentalnbumpnornslipnisntỵpicallỵnnotnan“namednperil,”nso ncoveragenisndeniednfornthenbrokennstatuenundernbasenforms.
─────────────────────────────────────────────────────── ─ 30)nHownmuchnwouldnỵounpaỵnfornthenhuntingnriflesnandnshotgunsnlistedninnthenlos s,ndisregardingnthendeductible?
nnnA.n$2,690nn nnnB.n$2,500nn nnnC.n$3,000nn nnnD.n$2,100nn
nnn Answer: nAn($2,690)
nnn Expert-VerifiednExplanation: nn nnnThenquestionnstatednthenriflesnatn$1,820nandnthenshotgunsnatn$870,nsummingnton $2,690.nSincenfirearmsnarentỵpicallỵnpersonalnpropertỵncoveredn(subjectntoncertainn sublimitsnornpolicỵnterms),nandntheninstructionsnherendonnotnindicatenansublimitninn effectnbeỵondnthatncombinedntotal,n$2,690nisnthenamountnpaỵablenbeforenconsider ingnthendeductible.
─────────────────────────────────────────────────────── ─ 31)nReferntonthenexhibitnabove,nidentifỵnthencelluloseninsulation:
