Property Claims Knowledge Assessment

Under California's Fair Claims Settlement Practices Regulations (10 CCR § 2695), how many calendar days does an insurer have to acknowledge receipt of a claim?

After receiving a complete proof of loss, how many calendar days does a California insurer have to accept or deny the claim under 10 CCR § 2695.7(b)?

Once a settlement agreement has been reached, California regulations require the insurer to issue payment within:

Under the California Standard Fire Policy (Insurance Code § 2071), the proof of loss must be submitted within how many days after the loss?

How many specific unfair claims settlement practices are defined under California Insurance Code § 790.03(h)?

Under 10 CCR § 2695.9(f)(1), which of the following may NOT be depreciated on a California residential property claim?

California's Fair Claims regulations require insurers to provide written status updates to the claimant at minimum every:

Under 10 CCR § 2695.9(a)(2), when repaired or replaced items do not match adjacent undamaged areas in quality, color, or size, the insurer must:

What is a "790 letter" in the context of California insurance claims?

California Insurance Code § 14047, as amended by SB 240 and SB 876, requires insurers to begin the claims process within how many business days after receiving a complete claim in a declared disaster?

Under California's notice-prejudice rule, an insurer cannot deny a claim solely for late notice of loss unless the insurer can prove:

What is the correct sequence of the three major regulatory deadlines for a California property claim?

In the insurance claims appraisal process, the panel consists of:

Under the California Arbitration Act (CCP § 1288), the deadline to file a petition to vacate or correct an appraisal award is:

What is the primary distinction between insurance appraisal and litigation?

A "white waiver" in the context of insurance appraisal refers to:

A tolling agreement in insurance claims is:

Why is it important that a tolling agreement be signed by insurance company management rather than a field adjuster?

Under the doctrine of equitable tolling in California, the suit limitation period is paused during what period?

First Notice of Loss (FNOL) should include all of the following EXCEPT:

Under California law, a "company adjuster" who inspects your property:

When should a policyholder make permanent repairs after a loss?

What is the purpose of a Sworn Proof of Loss?

Under the "substantial compliance" doctrine in California insurance law:

Additional Living Expenses (ALE) under a homeowner's policy covers:

Under a standard homeowner's policy, which is the correct standard for temporary housing under ALE coverage?

Fair Rental Value (FRV) coverage applies when:

In a Replacement Cost Value (RCV) policy, the insurer typically pays in which two stages?

Contents coverage under a standard HO-3 homeowner's policy is written on what basis?

Under the HO-3 policy, debris removal coverage provides what additional amount beyond the dwelling limit when combined costs exceed Coverage A?

Ordinance or Law (O&L) coverage typically has three components. Which of the following is NOT one of them?

Under California's "like kind and quality" standard for contents replacement, if a policyholder owned a solid wood dining table, the insurer must:

Which of the following losses is typically covered under a standard HO-3 homeowner's policy WITHOUT a special endorsement?

Under a standard California homeowner's policy, tree removal coverage after a covered loss is limited to:

What is the "coinsurance penalty" in property insurance?

The California Earthquake Authority (CEA) maximum personal property coverage limit is:

In insurance claims scoping, what is the most common procedural error?

In the scoping process, a proper scope documents:

In Xactimate estimating, General Contractor Overhead and Profit (O&P) is:

In Xactimate, "supervision" as a line item is:

Under California's Building Standards Code (Title 24), code updates occur on what cycle?

AFCI (Arc-Fault Circuit Interrupter) protection is required under current California electrical code in:

Galvanic corrosion in plumbing occurs when:

In hail damage assessment, a "test square" refers to:

Hail of what minimum diameter generally causes functional damage to most composition roofing?

What is the difference between settlement and heaving in foundation damage?

Expansive clay soils (such as montmorillonite or bentonite) cause foundation damage primarily through what mechanism?

A full electrical upgrade on an older California home, including panel replacement, AFCI/GFCI protection, and tamper-resistant receptacles, typically costs:

The efficient proximate cause doctrine in California provides that:

Anti-concurrent causation (ACC) clauses attempt to:

The "genuine dispute" doctrine in California insurance bad faith law means:

Under the Brandt fees doctrine, when an insurer acts in bad faith:

The doctrine of contra proferentem in insurance law provides that:

In Prudential-LMI Commercial Insurance v. Superior Court (1990), the California Supreme Court established that:

Under the California Standard Fire Policy (Insurance Code § 2071), every California homeowner has a statutory right to:

The "ensuing loss" doctrine provides that:

Regulatory violations under 10 CCR § 2695 and Insurance Code § 790.03 relate to bad faith in which way?

Under California law, punitive damages in insurance bad faith cases are:

Under California's notice-prejudice rule, the burden of proving prejudice from late notice falls on:

Under California Insurance Code § 2071, the one-year suit limitation period runs from:

When a fire loss triggers local building code requirements for upgrades beyond the original construction, those upgrades are covered under:

In a mold claim, the mold sub-limit on a standard homeowner's policy is typically:

When documenting smoke damage in a fire claim, which of the following is TRUE?

In a water damage claim, the policyholder should:

In earthquake insurance through the California Earthquake Authority (CEA), deductible options are:

A "civil authority" additional living expense claim applies when:

When a vehicle strikes a building, the homeowner's property damage is covered under:

When a mortgage company is named as a loss payee on an insurance claim, the insurer typically:

In a slab leak claim, a standard homeowner's policy typically covers:

An Examination Under Oath (EUO) differs from a recorded statement in that:

In a hail damage claim, an insurer that classifies shingle granule loss as "cosmetic only" is:

The California FAIR Plan is:

Content manipulation and cleaning costs (CMCC) in an insurance claim refer to:

When a policyholder dies during an open insurance claim, which of the following is TRUE?

When scoping a loss, ordinance or law implications require the adjuster to:

The standard overhead and profit percentage used in Xactimate is:

In a contents claim, the policyholder should handle damaged items by:

"Recoverable depreciation" is:

Under ALE coverage, which of the following is a covered additional expense?

In documenting a matching claim, the most persuasive evidence includes:

On a replacement cost policy, the policyholder typically has what timeframe to replace contents items and collect the recoverable depreciation holdback?

When an insurer's estimate significantly underpays a claim, the most common insurer tactic involves:

The "three-trade rule" in insurance estimating refers to:

"Actual Cash Value" (ACV) is generally calculated as:

When filing a supplemental claim, the best practice is to:

Hazardous materials in debris (asbestos, lead paint, contaminated soil) affect a claim because:

In California, a Public Adjuster (formally "Public Insurance Adjuster" or PIA) is licensed under:

A Public Adjuster's primary role is to:

In California, anyone who negotiates or adjusts a property insurance claim for compensation must be:

What distinguishes a "company adjuster" from an "independent adjuster"?

The unauthorized practice of law (UPL) in the insurance claims context means:

When a policyholder is asked to sit for an Examination Under Oath (EUO), they should:

If an insurer's adjuster discourages the policyholder from hiring a Public Adjuster or attorney, this behavior is:

The purpose of filing a CDI (California Department of Insurance) complaint is to:

A "reservation of rights" letter from an insurer means:

In a catastrophe (CAT) claim, which of the following is a common challenge specific to the catastrophe context?

According to the OPPAGA Report 10-01 (2010), what did the study find regarding PA-represented claims compared to unrepresented claims?

When a policyholder receives a check from the insurer containing release language stating "cashing this check constitutes full and final settlement," they should:

Under 10 CCR § 2695.7(d), the insurer's duty to investigate requires:

On a complex property claim involving multiple coverages (dwelling, contents, ALE, ordinance and law), the most effective approach for the policyholder is to: