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

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

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Insurance Licensing NewYorkIndependent General Adjuster (Series 17-70) Sample Questions (Q24-Q29):

NEW QUESTION # 24
In a subrogation process, the role of the adjuster is to

A. not show just cause against the third party who caused the loss to the extent that their liability is clear.
B. determine the amount of premium to be collected by the insurer from the third party.
C. determine general damages for the third party.
D. determine the amount of sums to be collected by the insurer from the third party.

Answer: D

Explanation:
The correct answer is C. Subrogation permits an insurer that has paid a covered loss to step into the insured's rights, to the extent permitted by law and the policy, and pursue the third party legally responsible for causing that loss.
The New York Court of Appeals defines subrogation as the principle by which an insurer, after paying its insured's loss, is placed in the insured's position so that the insurer can recover from the legally responsible third party. The doctrine both prevents double recovery and ultimately places the financial burden on the responsible party.
An adjuster's role includes recognizing subrogation potential, identifying responsible parties, preserving evidence, documenting liability, calculating the insurer's recoverable payment, and referring or pursuing the recovery according to carrier procedures. Thus, determining the amount that may properly be recovered from the third party is directly relevant.
Option B reverses the relationship: the adjuster is not determining damages for the tortfeasor. Option D is nonsensical in the subrogation context because the responsible third party does not owe insurance premium to the insurer. Option A is inconsistent with the need to establish the third party's legal responsibility.
The Series 17-70 outline expressly includes subrogation as a common policy provision and subrogation procedures within claims adjustment.
Therefore, C is correct.

NEW QUESTION # 25
The policy benefits are found in what part of an insurance policy?

A. Insured's duties.
B. Declarations.
C. Conditions.
D. Exclusions.

Answer: B

Explanation:
The correct answer is A - Declarations. The declarations page provides policy-specific information identifying the coverages and benefits selected by the insured, together with applicable limits, deductibles, policy dates, insured information, covered property, vehicles, or locations as appropriate. New York DFS describes the declarations page as a summary of the insured's coverage and requires covered benefits and limits to be accurately reflected there.
The technical distinction is important: the Insuring Agreement contains the insurer's operative contractual promise to pay or perform when the coverage requirements are satisfied. However, because "Insuring Agreement" is not among the answer choices, the declarations page is the correct response to where the policy's selected benefits and coverage amounts are identified.
Option B, Conditions, establishes contractual requirements governing performance of the policy. Option C, the insured's duties, concerns obligations such as providing notice, protecting damaged property, submitting documentation, and cooperating with investigation. Option D, Exclusions, removes or restricts coverage that would otherwise fall within the coverage grant.
An adjuster should never read the declarations page in isolation; it must be interpreted together with the coverage form, definitions, exclusions, conditions, and endorsements.
Series 17-70 reference topics: Insurance Basics - Declarations, Policy Benefits, Coverage Limits, Conditions, Exclusions, and Policy Structure.

NEW QUESTION # 26
Which of the following endorsements ensures that your contents are NOT valued on an actual cash value basis?

A. Personal property replacement cost.
B. Inflation guard.
C. Other insurance.
D. Increased cost of construction.

Answer: A

Explanation:
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.

NEW QUESTION # 27
Accident-only policies commonly include benefits due to losses related to

A. congenital diseases.
B. nonintentional bodily injury, regardless of accidental nature.
C. accidents or fortuitous events.
D. accidental illnesses.

Answer: C

Explanation:
The correct answer is C. Accident-only insurance is a limited form of accident and health coverage in which benefits are triggered by an accident or specified category of accidental event, rather than by sickness generally. The NAIC defines an accident as an unexpected event or circumstance without deliberate intent and describes accident-only insurance as coverage for death, dismemberment, disability, hospital treatment, or medical care caused or necessitated by an accident or specified kinds of accidents.
Option A is incorrect because illness is not converted into an accident simply because its onset is unexpected.
Coverage for sickness belongs to health or medical insurance provisions unless specifically included by another policy form. Option B, congenital diseases, similarly concerns medical conditions rather than accidental occurrences. Option D is too broad because the mere absence of intentional conduct does not automatically satisfy the policy's definition of an accidental injury or covered accident. There must be the required causal connection to an insured accidental event.
The Series 17-70 content outline expressly tests Accidental Injury, classes of accident and health coverage, limited policies, and specifically Accident-Only coverage.
Accordingly, a fortuitous, unexpected accidental event is the operative trigger, making C the correct answer.

NEW QUESTION # 28
The National Flood Insurance Program (NFIP) policies cover

A. loss of use.
B. sewer backup into a dwelling.
C. indirect financial loss.
D. property against all direct loss from a flood.

Answer: D

Explanation:
The correct answer is B. The National Flood Insurance Program is designed principally to insure eligible buildings and personal property against direct physical loss by or from flood. The Standard Flood Insurance Policy does not function as broad consequential-loss insurance. Federal policy language expressly distinguishes direct physical flood damage from indirect economic consequences such as loss of use, lost revenue, lost profits, business interruption, and additional living expenses. Therefore, option A and option C do not describe the fundamental NFIP coverage grant.
Option D is also incorrect as a general statement. Sewer or drain backup is not independently treated as a covered flood merely because water enters through a sewer or drain; coverage depends on whether the backup is directly caused by an insured flood meeting the federal policy definition and conditions.
Option B uses simplified exam wording. Technically, NFIP does not cover literally every direct loss without limitation; coverage remains subject to insured-property requirements, exclusions, limits, and deductibles.
Nevertheless, B accurately states the intended coverage principle. The official Series 17-70 outline specifically includes National Flood Insurance Program-eligibility, coverage, flood definition, limits, deductibles, proof of loss, and policy forms.

NEW QUESTION # 29
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