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Insurance Licensing NY-Independent-General-Adjuster Exam Syllabus Topics:

Section	Weight	Objectives
Homeowners Policy	10%	- Coverage Forms 1. HO-2 through HO-6 2. HO-8 - Liability Coverages 1. Medical Payments to Others 2. Personal Liability - Perils, Exclusions and Conditions 1. Exclusions and Conditions 2. Perils Insured Against - Property Coverages 1. Loss of Use and Additional Coverages 2. Dwelling, Other Structures and Personal Property - Selected Endorsements 1. Earthquake, Identity Fraud and Home Business 2. New York Special Provisions
Insurance Basics	6%	- Policy Structure 1. Limits, Deductibles and Other Insurance 2. Subrogation, Salvage and Loss Settlement 3. Declarations, Conditions and Exclusions - Insurance Contracts 1. Elements and Characteristics 2. Representations, Warranties and Concealment - Insurance Principles 1. Insurable Interest and Indemnity 2. Hazards, Negligence and Liability 3. Causes and Valuation of Loss
Accident and Health Insurance Basics	6%	- Types of Coverage 1. Disability, Medical and Long-Term Care 2. Accidental Injury and Sickness - Accident and Health Claims 1. Investigation and Payment of Claims 2. Notice and Proof of Loss - Limited Policies 1. Hospital, Dental and Vision Coverage 2. Accident-Only and Specified Disease
Commercial Package Policy	38%	- Commercial Policy Components 1. Common Policy Declarations 2. Common Policy Conditions - Commercial Inland Marine 1. Jewelers Block, Signs and Electronic Data Processing 2. Accounts Receivable and Valuable Papers 3. Marine Definition and Conditions 4. Contractors Equipment and Installation Floaters - Transportation Coverages 1. Common Carrier Legal Liability 2. Motor Truck Cargo 3. Transit Coverage
Adjusting Losses	11%	- Claim Settlement 1. Subrogation, Appraisal and Arbitration 2. Negotiation and Releases - Role of the Adjuster 1. Duties and Responsibilities 2. Independent, Staff and Public Adjusters - Claim Investigation 1. Claim Reporting and Documentation 2. Evidence and Witness Statements - Property and Liability Losses 1. Estimates, Depreciation and Salvage 2. Coverage Verification and Loss Evaluation
Medical Reports and Terminology	4%	- Basic Human Anatomy 1. Skeletal, Nervous and Respiratory Systems 2. Cardiovascular and Abdominal Systems - Injuries, Diseases and Medical Tests 1. Common Injuries and Diseases 2. Diagnostic Tests - Medical Terminology 1. Medical Specialties 2. Prefixes, Suffixes and Abbreviations
Dwelling Policy	6%	- Exclusions, Conditions and Endorsements 1. General Exclusions and Conditions 2. New York and Selected Endorsements - Property Coverages 1. Personal Property and Loss of Use 2. Dwelling and Other Structures - Coverage Forms and Perils 1. Basic, Broad and Special Forms 2. Covered Perils
Personal Inland Marine	13%	- Personal Articles Floater 1. Scheduled Personal Property - Personal Property Floater 1. Coverage and Eligible Property - Personal Effects Floater 1. Coverage and Loss Settlement
Insurance Regulation	6%	- Disciplinary Actions 1. Suspension and Revocation 2. Penalties and Cease and Desist Orders - License Maintenance 1. Assumed Names and Reporting 2. Renewal and Changes - Claim Settlement Regulations 1. Consumer Privacy 2. Unfair Claim Practices - Licensing Requirements 1. Qualifications and Application 2. Bond and Fingerprinting

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Insurance Licensing NewYorkIndependent General Adjuster (Series 17-70) Sample Questions (Q39-Q44):

NEW QUESTION # 39
Which of the following is an example of an unfair claim settlement practice?

A. Replacing a policy when it is in the best interest of the insured.
B. Delaying the settlement of claims submitted in which liability has become clear.
C. Adopting and implementing standards to settle claims in a timely manner.
D. Disclosing the settlement terms and provisions of the contract of insurance.

Answer: B

Explanation:
The correct answer is A. New York Insurance Law §2601 identifies specified conduct as unfair claim settlement practices when performed without just cause with sufficient frequency to constitute a general business practice. One expressly identified practice is failing to attempt in good faith to effectuate prompt, fair, and equitable settlements of claims in which liability has become reasonably clear. Deliberately or unjustifiably delaying such a settlement therefore falls directly within the regulatory concept tested by this question.
Option C describes the opposite behavior. Insurers are expected to adopt and implement reasonable standards for prompt claim investigation and settlement. Failure to establish reasonable standards may itself support an unfair-practices finding.
Option D is likewise inconsistent with an unfair-practice answer because accurate disclosure of relevant coverage or settlement provisions promotes informed claim handling. Misrepresentation or improper withholding of material policy information, rather than appropriate disclosure, raises regulatory concerns.
Option B does not describe an unfair claim settlement practice on the facts given.
The official New York Series 17-70 blueprint specifically includes Claim Settlement Laws and Regulations- Regulation 64, Part 216, and Unfair Claim Practices-Insurance Law §2601 under Insurance Regulation.
Accordingly, the conduct in A is the regulatory violation contemplated by the question.

NEW QUESTION # 40
What may the insurer issue if the insured did NOT report a claim on time?

A. Denial of all claims.
B. Declaratory judgment.
C. Waiver of knowledge.
D. Reservation of rights letter.

Answer: D

Explanation:
The correct answer is B - Reservation of rights letter. When an insurer receives a claim presenting a potential coverage problem-such as allegedly late notice-the insurer may investigate while expressly reserving its rights under the policy. A reservation of rights advises the insured that participation in investigation or adjustment should not be interpreted as a waiver of the insurer's potential coverage defenses.
New York cases illustrate the use of reservations specifically involving late-notice issues. For example, an insurer may identify the policy's prompt-notice requirement and preserve the right to rely on untimely notice while obtaining the information necessary to determine its coverage position.
A declaratory judgment, option A, is a court determination, not simply a document the insurer "issues." The insurer may bring a declaratory judgment action when a coverage controversy requires judicial resolution.
Option C is not the appropriate mechanism. Option D is overly broad; late reporting does not automatically authorize the insurer to deny every claim without analysis of the applicable policy and New York law.
A critical New York distinction is that a reservation of rights is not automatically a substitute for a legally required timely disclaimer where Insurance Law requirements apply.
The Series 17-70 outline expressly tests Coverage Problems, Reservation of Rights Letter, Non-Waiver Agreement, and Declaratory Judgment Action.

NEW QUESTION # 41
A producer is REQUIRED to report to the Commissioner any criminal prosecution taken in any jurisdiction against him within how many days of the initial pre-trial hearing date?

A. 0
B. 1
C. 2
D. 3

Answer: B

Explanation:
The correct answer is B - 30 days. New York Insurance Law §2110(j) requires a licensee subject to Article
21 to report any criminal prosecution taken against the licensee in any jurisdiction within 30 days of the initial pretrial hearing date. The report must include the initial complaint, the resulting order, and other relevant legal documents.
New York DFS enforcement actions continue to apply this requirement directly. DFS has disciplined licensees, including independent adjusters, for failing to notify the Department within the required 30-day period following the initial pretrial hearing date.
There is one terminology point to correct for New York examination purposes: the statute requires notification to the Superintendent of Financial Services, not a "Commissioner." The 30-day answer, however, remains unchanged.
Do not confuse criminal-prosecution reporting with the separate requirement under §2110(i) for administrative actions. Administrative actions taken in another jurisdiction or by another governmental agency must generally be reported within 30 days of the final disposition of that matter.
Series 17-70 reference topics: Insurance Regulation - Licensing, Maintenance of License, Disciplinary Actions, Reporting Requirements, and New York Insurance Law §2110.

NEW QUESTION # 42
Which of the following is covered by the Causes of Loss - Special Form under commercial property?

A. Smog.
B. Flood.
C. Windstorm.
D. Mudslide.

Answer: C

Explanation:
The correct answer is D - Windstorm. The Commercial Property Causes of Loss - Special Form is written on an open-perils basis. Instead of providing coverage only for specifically named perils, it defines covered causes of loss broadly as risks of direct physical loss unless the cause is expressly excluded or limited.
Windstorm is not generally excluded by the standard Special Form and is therefore ordinarily covered. By contrast, the form expressly excludes smog and includes broad water exclusions encompassing flood, surface water, waves, tides, and mudslide or mudflow. The actual ISO-derived Special Form wording identifies those exclusions directly. New York case law applying the Special Form likewise recognizes flood and mudslide
/mudflow within the standard water exclusion.
This illustrates the key distinction between Basic, Broad, and Special Causes of Loss forms. With a named- peril form, the insured generally begins by demonstrating that a listed peril caused the damage. With Special Form coverage, direct physical loss is presumptively within the broad coverage grant unless an exclusion or limitation applies.
An adjuster must therefore examine the causal mechanism and then determine whether a Special Form exclusion applies.
Among the four choices, Windstorm is the covered cause of loss.
Therefore, D is correct.

NEW QUESTION # 43
A special limitation applies to business income losses under a Businessowners Policy (BOP). This limitation applies to losses resulting from loss or damage to

A. foundations and retaining walls.
B. electronic media and records.
C. outdoor signs.
D. security systems.

Answer: B

Explanation:
The correct answer is D - electronic media and records. The Businessowners Policy contains a specific limitation affecting Business Income loss caused by direct physical loss of or damage to Electronic Media and Records. This category includes electronic data-processing, recording, or storage media, data stored on such media, and programming records used for electronic data processing or electronically controlled equipment.
Under standard BOP wording, Business Income attributable to damage to electronic media and records is limited to the longer of 60 consecutive days after the direct physical loss or the period reasonably necessary to repair, rebuild, or replace other property damaged by the same occurrence at the described premises.
The purpose is to prevent an open-ended Business Income period solely because restoration or recreation of data takes substantially longer than restoration of the physical equipment or other damaged property.
Security systems and outdoor signs can have their own property limitations, while foundations and retaining walls are addressed through other covered-property or limitation provisions. They are not the subject of this specific Business Income limitation.
The Series 17-70 outline requires knowledge of BOP Business Income, Extra Expense, covered property, limitations, exclusions, loss conditions, and definitions.
Therefore, D is correct.

NEW QUESTION # 44
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