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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Claims Adjustment Procedures | - Settlement procedures - Appraisal - Competitive estimates - Reservation of rights letters - Claims adjustment procedures - Subrogation procedures - Non-waiver agreements - Mediation - Advance payments - Execution of releases - Draft authority - Negotiation - Arbitration - Releases - Coverage problems - Alternative dispute resolution | |
| Topic 2: Commercial Property | - Commercial Package Policy - Commercial property forms and endorsements - Businessowners Policy - Commercial General Liability - Commercial property coverage | |
| Topic 3: Commercial Package Policy | 38% | - Components of a commercial policy - Common policy conditions - Common policy declarations - Monoline versus package policies - First named insured |
| Topic 4: Other Property and Liability Coverages | - Inland marine - Workers compensation - Aviation insurance - Excess liability - Ocean marine - Commercial automobile - Crime insurance - Flood insurance - Personal automobile - Surety and fidelity bonds | |
| Topic 5: Insurance Principles and Concepts | - Insurance contracts - Moral hazards - Morale hazards - Insurable interest - Fraud - Warranties - Insurance principles and concepts - Waiver and estoppel - Concealment - Representations and misrepresentations - Hazards - Physical hazards | |
| Topic 6: Dwelling and Homeowners Insurance | - Homeowners property coverage - Personal umbrella policies - Dwelling policies - Personal liability supplement - New York specific endorsements - Standard Fire Policy - Homeowners liability coverage | |
| Topic 7: Insurance Regulation | - Qualifications - Licensing requirements - Fingerprinting - Licensing process - Bond requirements - Temporary adjuster permits - License maintenance and duration - License renewal | |
| Topic 8: New York Unfair Claim Settlement and Prohibited Practices | - Terrorism Risk Insurance Act - New York claim settlement laws and regulations - Consumer privacy requirements - Insurance fraud and false statements - Unfair claim settlement practices - New York cybersecurity regulation |
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질문 # 42
What is NOT an element of verifying coverage?
정답：A
설명：
The correct answer is D - The value of the claim. Coverage verification is performed to determine whether the insurance contract potentially responds to the reported occurrence. The adjuster first confirms that the policy was in force on the date of loss, because a loss occurring outside the effective policy period normally cannot trigger that contract. The adjuster must also establish that the claimant or affected party qualifies as the named insured or another insured person under the applicable provisions.
For a property claim, the adjuster must verify that the damaged property is property insured by the contract, at an insured location where applicable, and subject to the relevant coverage. These are fundamental coverage questions.
The value of the claim, however, concerns loss measurement rather than initial coverage verification. Once coverage has been established, the adjuster evaluates the extent of damage, repair or replacement costs, actual cash value or replacement cost provisions, depreciation, deductibles, limits, coinsurance, and other valuation considerations.
Coverage and valuation must therefore be distinguished. A loss may be covered even though its final monetary value has not yet been determined.
Series 17-70 reference topics: Insurance Basics - Policy Period, Named Insured, Covered Property, Coverage Analysis, Loss Adjustment, and Claim Valuation.
질문 # 43
Which of the following endorsements ensures that your contents are NOT valued on an actual cash value basis?
정답：A
설명：
The correct answer is D - Personal Property Replacement Cost. Under standard homeowners loss-settlement principles, personal property is commonly settled initially on an actual cash value (ACV) basis unless replacement-cost treatment is provided by the policy or an endorsement. ACV normally reflects depreciation, whereas replacement cost measures the amount required to replace damaged property with property of like kind and quality without deducting depreciation, subject to the policy's conditions and limitations.
The Personal Property Replacement Cost endorsement, HO 04 90, modifies the homeowners contract so qualifying Coverage C personal property may be settled on a replacement-cost basis instead of ordinary ACV treatment. The official Series 17-70 content outline specifically identifies Personal Property Replacement Cost (HO 04 90) as a selected homeowners endorsement and separately tests ACV and replacement-cost valuation.
Inflation guard principally adjusts coverage limits to reflect increasing construction costs; it does not itself convert contents from ACV to replacement cost. "Other insurance" governs coordination when multiple policies apply. Increased cost of construction typically addresses additional building costs generated by enforcement of ordinances or laws rather than depreciation on personal property.
New York DFS distinguishes replacement cost from ACV by noting that replacement-cost settlement does not deduct depreciation.
Therefore, D is correct.
질문 # 44
Under an HO-6 policy, Coverage A - Dwelling applies to all of the following EXCEPT
정답：B
설명：
The correct answer is B - unattached appliances. The HO-6 Condominium Unit-Owners form uses Coverage A differently from an ordinary homeowners dwelling form. Coverage A applies to qualifying alterations, appliances, fixtures, and improvements that are part of the building, together with specified items of real property pertaining exclusively to the residence premises and property for which the insured has insurance responsibility under the condominium association agreement.
Current judicial reproduction of condominium-policy language confirms that Coverage A includes
"alterations, appliances, fixtures and improvements" that are part of the building on the residence premises.
Thus, a built-in kitchen cabinet is a fixture forming part of the unit. Attached bathroom fixtures likewise constitute building fixtures. A permanently installed water heater serving the unit can also qualify as building property depending on ownership and association responsibility.
An unattached appliance, however, ordinarily remains personal property rather than a building fixture. Such property is generally analyzed under Coverage C - Personal Property, not Coverage A. The key examination distinction is whether the property has become part of the building or remains movable personal property.
The Series 17-70 outline specifically requires knowledge of HO-2 through HO-6, definitions, Coverage A - Dwelling, Coverage C - Personal Property, and other Section I property coverages.
질문 # 45
Long-term care policies cover expenses for care when the insured CANNOT perform all of the following activities of daily living EXCEPT
정답：C
설명：
The correct answer is B - Shopping. Long-term care insurance commonly uses the insured's inability to perform specified Activities of Daily Living (ADLs) as a benefit eligibility trigger. New York DFS identifies the principal ADLs as dressing, eating, bathing, toileting, continence, and transferring. Most long-term care policies require inability to perform a specified number of these activities without substantial assistance before benefits become payable, subject to the contract's precise benefit trigger.
Bathing, option A, is a recognized ADL. Toileting, option C, is also a recognized ADL. Transferring, option D, refers generally to the ability to move into or out of a bed, chair, or similar position and is another standard ADL.
Shopping, by contrast, is generally classified as an Instrumental Activity of Daily Living (IADL). IADLs involve more complex activities necessary for independent community living, such as shopping, housekeeping, transportation, managing finances, meal preparation, and telephone use. New York health guidance similarly distinguishes shopping as an instrumental activity rather than a basic ADL.
Therefore, shopping is the activity that does not belong to the standard basic ADL group.
Series 17-70 reference topics: Other Coverages - Long-Term Care Insurance, Benefit Triggers, Activities of Daily Living, and Eligibility for Benefits.
질문 # 46
A New York producer moved his/her office on April 1. The producer MUST inform the Superintendent of the address change no later than
정답：A
설명：
The correct answer is A - May 1. New York Insurance Law §2134(a) requires a licensee under Article 21 to inform the Superintendent, by a means acceptable to the Superintendent, of a change of address within 30 days of the change.
Because the producer moved the office on April 1, the 30-day reporting period makes May 1 the applicable answer among the choices. The requirement is designed to keep DFS licensing records current so that official notices, regulatory communications, licensing information, and other required correspondence can be properly directed to the licensee.
July 1 would be approximately three months after the move, October 1 approximately six months later, and December 31 almost nine months later; each exceeds the statutory 30-day reporting period.
The reporting obligation should not be confused with separate Article 21 requirements involving license renewals, administrative-action reporting, criminal-prosecution reporting, appointment changes, or continuing education. Each has its own statutory trigger and timing requirements.
The official Series 17-70 content outline expressly identifies Change of address - all addresses, including email - under Insurance Law §2134 and applicable regulations as required examination material.
Therefore, an April 1 office-address change must be reported within 30 days, making A - May 1 correct.
질문 # 47
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Insurance Licensing NY-Independent-General-Adjuster인증시험은 현재IT인사들 중 아주 인기 잇는 인증시험입니다.Insurance Licensing NY-Independent-General-Adjuster시험패스는 여러분의 하시는 일과 생활에서 많은 도움을 줄뿐만 아니라 중요한 건 여러분의IT업계에서의 자기만의 자리를 지키실 수 잇습니다.이렇게 좋은 시험이니 많은 분들이 응시하려고 합니다,하지만 패스 율은 아주 낮습니다.
NY-Independent-General-Adjuster유효한 덤프문제: https://www.itcertkr.com/NY-Independent-General-Adjuster_exam.html