Texas All-Lines Adjuster Practice Test
TX Adjuster Standard Fire Policy & Loss Requirements Practice Questions
Standard Fire Policy & Loss Requirements makes up 4 of every 50 questions on a Tigertest TX Adjuster practice test. Here are 10 of the 16 questions on it, each with the answer and the reason.
Updated by the Tigertest team. Based on the Pearson VUE Texas all-lines adjuster content outline effective September 2026. Original questions; 50 per test, weighted like the real 150-question exam. Not affiliated with TDI or Pearson VUE.
1. Under the 165-line Standard Fire Policy, the insured must send a signed, sworn proof of loss within how many days after the loss, unless the insurer extends the time in writing?
- A.20 days
- B.60 days
- C.30 days
- D.90 days
Answer: B. The Standard Fire Policy gives the insured 60 days after the loss to render a signed, sworn proof of loss. The insurer may extend that time in writing.
2. After a fire, what does the Standard Fire Policy require the insured to do with damaged and undamaged personal property?
- A.Turn it over to the insurer
- B.Repair it before reporting
- C.Discard it once photographed
- D.Separate it and inventory it
Answer: D. The insured must separate damaged from undamaged personal property, put it in the best possible order and furnish an inventory showing quantity, cost, actual cash value and the amount of loss claimed.
3. Under the Standard Fire Policy appraisal provision, each party names its own appraiser within how many days of a written demand?
- A.20 days
- B.30 days
- C.15 days
- D.10 days
Answer: A. Each party selects a competent and disinterested appraiser within 20 days of the demand. The two appraisers then have 15 days to agree on an umpire.
4. If the two appraisers under a Standard Fire Policy cannot agree on an umpire within 15 days, the umpire is chosen by:
- A.The Commissioner of Insurance
- B.The insured's mortgage lender
- C.A judge of a court of record
- D.The insurer's claims manager
Answer: C. When the appraisers fail to agree, either party may ask a judge of a court of record in the state where the property is located to select the umpire.
5. Once appraisal under a Standard Fire Policy is finished, the amount of loss is set by:
- A.The umpire's figure alone
- B.The insurer's final estimate
- C.A written award signed by two
- D.The average of both appraisals
Answer: C. An award in writing agreed to by any two of the three (both appraisers, or one appraiser and the umpire) determines the amount of actual cash value and loss.
6. Under the Standard Fire Policy, who pays the umpire's fee in an appraisal?
- A.Both parties, equally
- B.The insured alone
- C.Whoever loses the award
- D.The insurer alone
Answer: A. Each party pays its own appraiser, and the umpire and other appraisal expenses are shared equally by the insured and the insurer.
7. To use its option to repair or rebuild instead of paying cash, a Standard Fire Policy insurer must give notice of that intent within:
- A.5 days after notice of loss
- B.60 days after the fire
- C.10 days after the appraisal
- D.30 days after proof of loss
Answer: D. The insurer may repair, rebuild or replace with like kind and quality if it gives notice of its intention within 30 days after receiving the proof of loss.
8. Under the Standard Fire Policy, the amount of a covered loss is payable within how many days after proof of loss is received and the amount is settled?
- A.90 days
- B.60 days
- C.30 days
- D.15 days
Answer: B. The loss is payable 60 days after proof of loss is received and the amount is fixed by agreement, final judgment or a filed appraisal award.
9. A burglar takes a television from a building insured only under the unendorsed Standard Fire Policy. The loss is:
- A.Covered after the deductible
- B.Not covered, theft is excluded
- C.Covered as removal coverage
- D.Covered at full actual cash value
Answer: B. The Standard Fire Policy insures direct loss by fire, lightning and removal from endangered premises. It expressly excludes loss by theft.
10. Property removed from premises endangered by fire is covered pro rata at each place it is moved to for how long under the Standard Fire Policy?
- A.Seven days
- B.60 days
- C.30 days
- D.Five days
Answer: D. Removal coverage protects property moved to escape an insured peril, pro rata for five days at each proper place to which it is removed.
Practice all 16 standard fire policy & loss requirements questions, and the rest of the 200-question bank, in the free TX Adjuster training sets. Questions you miss come back until you have mastered them.
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