New York Adjuster Study guides, Class notes & Summaries

NEW YORK INDEPENDENT FIRE ADJUSTER EXAM SIMULATOR - SERIES 17-64 Mason has suffered a $42,000 loss to his commercial building due to fire. The building is covered under the Building & Personal Property coverage form and had been vacant for 74 days. The insurer would have paid the entire loss if the building had been occupied, but what will they pay because the insured building was considered vacant? $28,980. $42,000. $6,300. $35,700. - ANS For a loss that would otherwise be covered f...

Jim Smith is involved in a collision claim and is no longer able to use the vehicle to go to work. This "loss of use" is referred to as a: Direct loss Indirect loss Loss evaluation Consequential loss Consequential loss When the rear of the vehicle is damaged and there is a gap between the trunk lid and the quarter panel, what else on the vehicle should the appraiser check? The center pillar The trunk floor The quarter panels The frame rails The frame rails In auto phy...

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Offering any return of premium, valuable consideration or inducement when purchasing an insurance policy is an example of: - I. Illegal Inducement II. Rebating Under a watercraft or yacht policy how claims are settled: - Actual cash value When may an insured sue an insurance company? - Not until the insured has complied with all policy provisions and within the time limit specified in the state laws What is the definition of a non-resident agent? - Someone licensed in their state and obt...

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