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Missouri Public Adjuster Practice Exam

20 exam-style questions drawn from the same bank as our full Missouri Public Adjuster course (Missouri 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 DP-3 Special Form (DP 00 03) provides:
Open perils on Coverages A and B, named perils on Coverage CNamed perils on all coveragesOpen perils on Coverage C onlyOpen perils on all coverages, including personal property
2. In a coverage dispute, which party bears the burden of proving that an exclusion applies?
The party who demanded appraisalThe insurerWhichever party filed suit firstThe insured
3. Where a public adjuster handles claim funds, the general expectation is that the funds are:
Held separately from the adjuster's own, with receipt and disbursement recordsDeposited into the adjuster's operating account until the fee is earnedRetained by the carrier until the insured signs a final release formForwarded to the repair contractor before any accounting is prepared
4. In coastal states, a wind/hail pool that covers the wind peril for properties the voluntary market will not write is an example of a:
A non-admitted surplus lines placementA federal multi-peril crop programA single-parent captive insurer entityWindstorm or beach plan (a residual market)
5. The investigation checklist names four categories of evidence: critical evidence, other evidence, official reports, and:
Line item repair estimatesSworn proofs of lossWritten and audio statementsReservation of rights letters
6. Which is one of the three SFIP forms?
Personal Articles FormBroad FormBusinessowners FormDwelling Form
7. The BOP's built-in money and securities coverage is best characterized as:
An unlimited crime coverage equal to the BPP limitA substitute for all commercial crime insurance needsCoverage that applies only to counterfeit currencyA small, sub-limited crime component of the package
8. How is business income coverage provided in the ISO BOP program?
By a separately purchased business income coverage form written at a scheduled dollar limitIt is not available at all on a businessowners policy and must be written elsewhereAutomatically, on an actual loss sustained basis for up to 12 consecutive monthsOnly by endorsement to the property section, and then subject to a coinsurance requirement
9. On a landlord's DP policy covering an unfurnished rental, Coverage C (Personal Property) is:
Mandatory and automatically included on every one of the DP formsProvided only on the DP-1 basic dwelling form, never the othersOptional; often skipped or carried at a small limit for appliancesAutomatically set at a flat fifty percent of the Coverage A limit
10. Under a single-entity (original specifications) convention, the master policy covers interior finishes:
Only as originally built or as replaced to original specificationOnly for the shared common elements of the entire condominium projectNot at all, under any circumstances whatsoever in the programIncluding every owner upgrade and betterment installed after purchase
11. Which statement about loss reserves is accurate?
A reserve is the insurer's opening settlement offer on the claimA reserve is an admission that the reported loss is covered by the policyA reserve is published to the insured with the acknowledgment letterA reserve is an internal figure that governs the handling adjuster's authority
12. A nonwaiver agreement is:
An agreement signed by both parties that handling waives no rightsAn endorsement that removes the conditions section from the formA release of the claim given in exchange for an advance paymentA unilateral letter the insured sends to preserve the insured's rights
13. On the BOP, tenant improvements the insured tenant made with an insurable interest are:
Included in Building coverage when the insured is a tenant with an insurable interestNever covered on a businessowners policy at all, under any circumstances whatsoeverCovered only under the Section II liability coverage part of the policy programCovered only under the separate commercial crime coverage part of the program
14. Which dwelling form settles the dwelling at actual cash value with no replacement cost on the base form?
DP-2DP-3All three DP formsDP-1
15. An association assesses owners after an earthquake damages common elements; the HO-6 has no earthquake coverage. The loss assessment coverage:
Pays, but only up to the master policy's stated deductible-assessment sublimit on the owner's formPays in full, because the resulting damage was done to the building's shared common elements themselvesPays exactly one-half of the total special earthquake assessment that the association chargesDoes not pay, because the assessment must arise from a peril covered under the unit owner's own form
16. Which class is generally INELIGIBLE for a BOP?
A neighborhood officeA small restaurantA large manufacturerA small retail shop
17. Which statement correctly distinguishes salvage from abandonment?
Abandonment lets the insurer take property it paid for; salvage does notSalvage is the insurer taking property it has paid for; abandonment is barredSalvage is barred by the policy, while abandonment is an insurer rightBoth allow the insured to force damaged property on the insurer
18. Before an adjuster takes a recorded statement, the subject is entitled to:
Know who is recording and why, and to consent to the recordingThe presence of the insurer's counsel throughout the interviewA copy of the insurer's claim file as it stands on that dateA written list of the questions that the adjuster intends to ask
19. A lender is named on the dec page under the standard mortgage clause. Which best describes the lender's position?
It is merely a certificate holder listed for reference, with no independently enforceable rights under the policyIt holds rights independent of the insured — notice of cancellation, the right to pay premium, and a place on the loss-payment checkIt must first be added as a named insured on the declarations before it can receive any share of the claim proceedsIt may collect the entire loss payment for the property regardless of how small the unpaid loan balance has become
20. The Businessowners Policy (BOP) integrates which two sections in one form?
Workers compensation and property coverageProperty coverage and business auto coverageSection I property and Section II liabilityCommercial crime coverage and flood coverage

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