10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
The PA-PADJ exam has 60 questions and runs 1 hours 20 minutes.
These 10 free PA-PADJ questions are organized by exam domain, so you can see how each part of the Pennsylvania Public Adjuster Exam blueprint is tested. Reveal the answer and explanation under each question.
A Pennsylvania public adjuster has a percentage-fee contract. The insurer issues an undisputed advance, but the adjuster's estimate is substantially higher and the remaining claim is unresolved. No separate expenses are due. Which method of collecting the adjuster's fee is permitted?
Correct answer: D - Apply the agreed percentage to each payment the insurer actually makes.
An agent with authority to bind an insurer issues a written 20-day fire binder for a Pennsylvania workshop. The premium is paid. On day nine, a fire damages the workshop; the binder has not been canceled or replaced, but the permanent policy has not been issued. Which statement governs the claim's coverage basis?
Correct answer: A - The binder supplies temporary coverage under its incorporated terms while it remains in force.
A commercial building has a replacement cost of $500,000; its market value, including land, is $750,000. Its policy uses replacement cost for the 80% coinsurance condition and carries a $300,000 building limit. A covered partial loss costs $80,000 to repair, and the repairs are complete. Apply coinsurance before the $2,000 deductible; no other adjustment applies. What is the net loss payment?
Correct answer: A - $58,000
An insurer denies the building owner's fire claim after establishing that the owner deliberately set the fire. A lender is named under a standard mortgage clause. The lender neither participated in nor knew of the arson and has fulfilled the clause's notice, premium, and proof-of-loss duties. Does denial of the owner's claim also dispose of the lender's claim?
Correct answer: C - No; the lender's separately protected interest must be evaluated under the standard mortgage clause.
Burglars force open the rear door of an occupied rental house and steal the landlord's freestanding kitchen range. The landlord has a DP-2 Broad Form with both dwelling and personal-property coverage, but no theft endorsement. Which statement correctly distinguishes the two parts of this loss?
Correct answer: D - Damage by Burglars covers the door damage, but it does not insure the stolen range.
An insured describes a kitchen loss during heavy rain as 'flooding.' A plumber finds water escaping from a newly ruptured, corroded supply pipe; the flow stops when the water main is shut off. There is no evidence of exterior water entry, and recent photographs show the floor was undamaged. The HO-3 policy excludes corrosion and damage to the failed plumbing itself but preserves otherwise covered resulting water damage. Which evaluation best fits the evidence and policy?
Correct answer: B - Exclude the failed pipe, but include the resulting damage to the previously sound floor.
An occupancy survey shows that 24% of an owner-insured commercial building's floor area is used for customary business operations; the rest has been empty for 90 consecutive days. No construction or renovation is underway. The policy is CP 00 10 10 12 with its vacancy condition unchanged and no vacancy permit. An accidental electrical fire is an otherwise covered cause. How does the occupancy finding affect the fire payment?
Correct answer: B - The otherwise payable fire loss is reduced by 15% under the vacancy condition.
A covered fire at a scheduled off-premises electrical substation cuts power to a print shop for a week. The shop, its equipment, and its stock sustain no physical damage. The Businessowners policy includes BP 04 56 Utility Services - Direct Damage, but no utility-services time-element coverage or other applicable income extension. How should the lost-income claim be evaluated?
Correct answer: C - The endorsement covers resulting physical damage to insured property, not this income-only interruption.
At a cellar inspection, standing water surrounds the building's electrical service equipment. The owner says one basement breaker is off, but the utility has not isolated the service. A restoration crew is ready to begin extraction. What must be resolved before anyone enters the flooded area?
Correct answer: C - Have qualified personnel isolate the electrical hazard and confirm that access is safe.
A roof measurement report lists a 2,000-square-foot horizontal footprint and 2,400 square feet of actual sloped roof surface. The approved scope removes one existing shingle layer and replaces the entire roof. New shingles require a 10% allowance for cutting waste. Using 100 square feet per roofing square and ignoring bundle rounding, which quantities belong in the estimate: tear-off first, new shingles second?
Correct answer: A - 24 squares for tear-off; 26.4 squares of new shingles.
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