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Maryland Public Adjuster Practice Exam

20 exam-style questions drawn from the same bank as our full Maryland Public Adjuster course (Maryland Public Adjuster — Exam Prep). Answer all 20, then grade yourself — most state exams require 70% to pass. Explanations for every question are part of the full course.

1. The base loss assessment additional coverage built into the HO forms is commonly:
$1,000$5,000$500$25,000
2. Coverage D on the DP forms pays:
The entire remaining rent owed under the tenant's signed lease term, paid as a single lump sumThe landlord's own additional living expense after a covered loss forces the owner out of a homeThe landlord's lost fair rental value while a covered loss makes the property unfit for occupancyThe tenant's cost of temporary housing and meals while the damaged rental unit is repaired after a loss
3. A DP-1 carries both the Extended Coverage (EC) and Vandalism and Malicious Mischief (V&MM) options. Which peril is still NOT covered?
HailRiot or civil commotionVolcanic eruptionTheft
4. Market value as a valuation method is described as occasionally relevant for:
Every partial loss to a dwellingAny loss where the insured carries replacement-cost coverageScheduled fine art and collector vehiclesProperty that has no meaningful replacement market
5. Under open-peril coverage, once the insured proves direct physical loss, who bears the burden of proof on causation?
A neutral appraiser assigns the cause of lossThe insurer must prove that an exclusion appliesThe burden is shared equally between insured and insurerThe insured must prove the loss was caused by a listed peril
6. When a supplement is approved on an existing loss, the deductible is:
Applied a second time, because additional damage has been identifiedApplied at a reduced amount as a shared cost of the reinspectionWaived on the original settlement once the supplement is paidNot applied again, because the supplement is part of the same claim
7. A group of members forms an entity in which each member is protected under the group's captive arrangement, and other specialty structures include fraternal benefit societies and risk retention groups. These are best characterized as:
Residual-market insurance pools serving as insurers of last resortLicensed surplus lines brokers who place non-admitted businessSpecialty insurer structures a candidate should recognize by nameFederal government insurance programs like the NFIP and crop
8. Coverage for perishable stock lost after a power or equipment failure is added to a BOP by:
The base form automaticallyA spoilage endorsementCivil authority coverageDebris removal coverage
9. The interim or status report answers which question?
What is the first picture of the loss and its likely costWhat release and accounting close out the claim fileWhat was the claim, and how was it finally resolvedWhat has changed on the claim since the last report
10. An owner-occupant insured on a DP-1 wants additional living expense coverage. How is ALE handled in the DP program?
ALE is included automatically on all three DP forms at a flat 20% of Coverage AALE is never available anywhere in the DP program, on any form or by endorsementALE is built into the DP-1 automatically but is excluded from both the DP-2 and DP-3ALE is available on the DP-1 only by endorsement; DP-2 and DP-3 include it
11. A restaurant insured on the Broad causes-of-loss form suffers a burglary: kitchen equipment is stolen and the back door is destroyed. The correct coverage analysis is:
The stolen equipment is covered, but the damage to the back door is excluded as ordinary wear and tear over timeThe stolen equipment is not covered because theft is not a Broad-form peril; the door damage may be covered as vandalismBoth the stolen kitchen equipment and the destroyed back door are fully covered together as ordinary burglary lossesNothing at all is covered, because any burglary loss requires a separate commercial crime policy in every case
12. A policy denies coverage for any loss the insured causes by neglecting to protect covered property from further damage after a loss. This is an example of which exclusion type?
Definition-based — a key defined term is narrowed by the policyProperty-based — an entire category of property is carved outConduct-based — a loss caused by specified conduct is carved outCause-based — a specific natural peril is carved out of coverage
13. While her $80,000 property claim is pending, a client wants to accept $15,000 from the negligent contractor who caused the loss and sign a general release. The main danger is that signing the release could:
Convert the first-party property claim into a third-party liability claim against the contractorImpair the carrier's subrogation rights and give the carrier a defense to the property claimAutomatically reduce the pending property claim by exactly the $15,000 accepted from the contractorObligate the contractor's liability insurer to pay the entire remaining $65,000 of the loss
14. The rule that an insured may not collect more than the actual loss, even when the same loss is covered by more than one policy, is a direct consequence of:
The aleatory nature of the insurance contractThe reasonable expectations doctrine of coverageThe anti-concurrent-causation clause in the formThe principle of indemnity (no double recovery)
15. The debris removal additional coverage provides an extra amount — commonly 5% of the limit — when:
The covered loss happens to involve only fallen trees on the lotThe insured property has sustained a complete, total loss overallDebris removal costs would push the loss over the applicable limitThe insured specifically requests the extra amount in writing
16. The two market approaches to insuring manufactured homes are:
The federal NFIP flood program, or a standard commercial package policy written on the homeA personal inland marine floater, or a businessowners policy endorsed for residential useAn HO program with a mobile home endorsement, or a proprietary stand-alone mobile-home programA DP-1 dwelling form with Extended Coverage added, or an inland marine builders risk form
17. A commercial property policy is assembled from a declarations page, endorsements, conditions forms, and which two core coverage components?
A Building and Personal Property Coverage Form (CP 00 10) and one causes-of-loss formA Businessowners Coverage Form combined with a stand-alone commercial crime formA residential dwelling form paired with a scheduled inland marine equipment floaterA commercial general liability coverage form and a business auto coverage form
18. Under the efficient proximate cause doctrine, when a covered peril and an excluded peril combine to produce a loss, the loss is covered if:
The insured can physically separate the damage caused by each perilThe covered peril was the dominant cause that set the chain of events in motionThe excluded peril contributed less than half of the total damageThe two perils occurred more than 72 hours apart
19. When analyzing whether a loss is covered, the disciplined reading order through the policy is:
Conditions, then declarations, then exclusions, then insuring agreementInsuring agreement, then exclusions, then conditions, then endorsementsEndorsements, then conditions, then declarations, then exclusionsExclusions, then insuring agreement, then endorsements, then conditions
20. The ISO Building and Personal Property Coverage Form is identified by which form number?
DP 00 03HO 00 03CP 00 10CP 10 30

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