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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: New York Insurance Law & Regulations | 25% | - Licensing requirements, eligibility, and examination rules - Unfair Claims Settlement Practices Act / Regulation 64 - NY Insurance Law Articles and DFS regulations - State-specific policy provisions and mandatory endorsements |
| Topic 2: Property & Casualty Coverages | 25% | - Commercial Property and Businessowners policies - Automobile coverages — Personal and Commercial - Dwelling and Homeowners policies - Specialty lines — Inland Marine, Flood, Workers' Compensation, Crime - General Liability and Commercial General Liability |
| Topic 3: Insurance Fundamentals & General Principles | 15% | - Indemnity, subrogation, utmost good faith - Insurance contract elements and legal structure - Risk management and insurable interest |
| Topic 4: Claims Investigation & Adjusting Procedures | 20% | - Loss valuation, damage assessment, and estimating - Claim intake, notice of loss, and initial investigation - Evidence gathering, coverage analysis, and policy interpretation - Settlement negotiation, reservation of rights, and denial procedures |
| Topic 5: Ethics & Professional Responsibility | 15% | - Fraud detection and reporting obligations - Fair claims handling standards and professional conduct - Fiduciary duty, conflict of interest, and confidentiality |
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NEW QUESTION # 97
Under a homeowners policy, the duties of the insured after a loss to property are contained in which section of the policy?
Answer: C
Explanation:
The correct answer is B - Conditions. In a homeowners policy, the insured's contractual obligations following a property loss are contained under Section I - Conditions, generally within a provision titled Duties After Loss.
Those duties typically require the insured to provide prompt notice of the loss, notify police when appropriate, protect the property against further damage, make reasonable emergency repairs, prepare an inventory of damaged personal property, cooperate with the insurer's investigation, show damaged property when requested, provide requested records and documents, and submit a signed proof of loss when required. Policy wording reproduced in court decisions expressly places "Duties After Loss" within Section I - Conditions.
The Insuring Agreement, option A, establishes the basic coverage promise. Definitions, option C, establish contractual meanings of designated terms. Coverages, option D, identify the types of property or loss protected by the contract. None of those sections is the primary location for the insured's post-loss procedural duties.
This distinction matters to an adjuster because compliance with policy conditions can affect claim investigation and, depending on the policy and governing law, the insured's entitlement to payment.
The Series 17-70 outline expressly tests Homeowners Conditions and adjusting-loss topics including the insured's duties after a loss, notice, mitigation, proof of loss, and production of records.
NEW QUESTION # 98
What is NOT covered in the Farm Liability Coverage Form?
Answer: D
Explanation:
The correct answer is C - Injury to farm employees. The standard Farm Liability Coverage Form provides several principal liability protections. These include Coverage H - Bodily Injury and Property Damage Liability, Coverage I - Personal and Advertising Injury Liability, and Coverage J - Medical Payments.
These correspond directly to options D, B, and A.
In contrast, bodily injury sustained by an employee as a result of employment by the insured is generally excluded from the standard liability coverage. Standard Farm Liability wording excludes most bodily injury to an employee arising out of and in the course of employment, reflecting the principle that occupational injuries should ordinarily be handled through Workers Compensation or specialized farm-employer coverage rather than general farm liability.
Where broader protection for farm employees is needed, specialized endorsements or separate statutory coverage may modify the exposure. An adjuster must therefore distinguish third-party farm liability from an employer's obligations to employees.
The Series 17-70 outline specifically includes farm liability concepts and requires candidates to distinguish covered liability hazards from employee-related exclusions.
Therefore, C is correct.
NEW QUESTION # 99
Which of the following is NOT a basic peril on all homeowners forms?
Answer: C
Explanation:
The correct answer is D - Flood. Standard homeowners insurance does not treat flood as one of its basic insured perils. Flood is generally excluded from ordinary homeowners property coverage and normally requires separate flood insurance, such as coverage obtained through the National Flood Insurance Program or an eligible private flood insurer.
By contrast, riot or civil commotion, smoke, and volcanic eruption are among the standard named causes of loss appearing in homeowners forms. The Insurance Information Institute's comparison of homeowners perils identifies riot/civil commotion, smoke, and volcanic eruption as covered causes while explaining that flood requires separate protection.
The exclusion of flood is particularly important for adjusters because "water damage" is not a single coverage category. The adjuster must determine the actual mechanism and source of water-such as plumbing leakage, rain entering through covered storm damage, surface water, tidal overflow, sewer backup, or flood-and then apply the specific policy language.
The official Series 17-70 outline requires knowledge of the Homeowners 2011 Policy, including perils insured against, exclusions, and conditions. It separately identifies the National Flood Insurance Program elsewhere in the broader property curriculum.
Therefore, the peril that is not a basic homeowners peril is D - Flood.
NEW QUESTION # 100
Which is NOT a type of bond?
Answer: B
Explanation:
The correct answer is A - Obligee. An obligee is not a type of surety bond; it is one of the three parties to a surety bond. The three parties are the principal, the obligee, and the surety. The principal is the party whose performance or obligation is guaranteed. The obligee is the party requiring and benefiting from the bond. The surety is the organization that guarantees the principal's obligation according to the bond terms.
By contrast, bid bonds and performance bonds are recognized types of contract surety bonds. A bid bond supports the bidder's commitment to enter the contract and furnish required security if awarded the job. A performance bond guarantees that the principal will perform the contractual obligations covered by the bond.
"Court bond" is commonly used as a broad description for bonds required in judicial proceedings. The official Series 17-70 outline categorizes these as judicial bonds and separately lists such forms as attachment, replevin, appeal, injunction, and cost bonds.
The Series 17-70 outline makes the distinction explicit: it lists Principal, Obligee, and Surety under "Parties of a surety bond," while Bid and Performance appear under types of contract bonds, and judicial bonds appear as another bond category.
NEW QUESTION # 101
The policy benefits are found in what part of an insurance policy?
Answer: D
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 # 102
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