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 ID-ADJ exam has 60 questions and runs 1 hour 15 minutes.
These 10 free ID-ADJ questions are organized by exam domain, so you can see how each part of the Idaho Independent Adjuster Examination blueprint is tested. Reveal the answer and explanation under each question.
A commercial building has a replacement cost of $600,000 and a market value, including land, of $900,000. It is insured for $360,000 under a replacement-cost policy with an 80% coinsurance requirement. A covered partial loss costs $100,000 to repair. The policy applies any coinsurance reduction before subtracting the $2,000 deductible; no waiver or other limitation applies. What is the insurer's payment?
Correct answer: B - $73,000
A property policy's appraisal clause authorizes the panel to determine value and the amount of loss, but not to decide coverage questions. During a disputed fire claim, the parties identify several issues. Which issue belongs within the panel's stated authority?
Correct answer: B - The reasonable cost of materials and labor for the agreed covered repairs.
A claims-made-and-reported liability policy has a January 1, 2023 retroactive date and expires June 30, 2026. Its extended reporting period permits claims to be first made and reported through September 30, 2026, but only for acts within those retroactive and expiration dates. A claim about work performed July 15, 2026 is first made August 10 and reported August 14. How do these timing provisions apply?
Correct answer: A - There is no coverage because the work took place after the policy expired.
While carrying a dining table, a homeowner accidentally strikes a permanently installed staircase. The impact breaks a baluster and splits the table's wooden frame. The unendorsed HO-3 policy covers the dwelling on an open-peril basis and personal property for named perils. No dwelling exclusion applies, and this accidental impact is not a listed personal-property peril. Before applying the deductible, which damage is covered?
Correct answer: D - The staircase under dwelling coverage, but not the table under personal-property coverage.
An Idaho claims employee leaves an insurer's payroll and becomes a self-employed independent contractor. The former employer remains the adjuster's only client and pays a fixed monthly retainer. The adjuster routinely investigates and negotiates claims; no temporary licensing exception applies. Does the former staff-adjuster exemption still authorize this work?
Correct answer: A - No; the independent-contractor role requires an Idaho independent-adjuster license.
An applicant for an Idaho insurance claims position fully discloses a felony embezzlement conviction and has completed the sentence. No written consent under 18 U.S.C. § 1033 has been obtained. The employer proposes duties that exclude receiving or disbursing money. Apart from ordinary licensing requirements, what does federal law require?
Correct answer: B - Written consent from the appropriate insurance regulator is required; completing the sentence does not replace that consent.
After an Idaho house fire, the insurer agrees that an $86,000 dwelling payment is due, and all conditions for that payment have been met. The amount of the contents loss remains disputed. An adjuster proposes withholding the dwelling payment until the homeowner accepts a reduced contents settlement. How should these claims be handled?
Correct answer: C - Pay the agreed dwelling amount and continue adjusting the disputed contents loss.
A homeowner requests an entire new roof after a windstorm. Preloss photographs and an engineer's inspection distinguish fresh wind-torn shingles on one slope from longstanding deterioration elsewhere. The wind damage is repairable without replacing the other slopes; no matching or ordinance requirement changes that scope. The policy covers wind but excludes wear and tear. Which adjustment is supported by the evidence?
Correct answer: D - Allow repair of the wind-torn shingles; exclude replacement attributable solely to pre-existing deterioration.
An Idaho auto policy's file contains the named insured's valid written rejection of uninsured motorist coverage, but no rejection of underinsured motorist coverage. A resident daughter who qualifies as an insured suffers bodily injury caused by an underinsured driver. The insurer denies her UIM claim solely because her father rejected UM coverage. What does the rejection establish?
Correct answer: C - Only UM was rejected; that rejection does not dispose of the daughter's UIM claim.
A physician assigns each of two Idaho workers an 8% whole-person permanent impairment rating and the same permanent lifting restriction. One returns to an office job at the same wage; the other cannot resume roofing work. The second worker's vocational evaluation is pending. What can the adjuster conclude from the matching ratings?
Correct answer: C - Their medical impairment ratings match, but their economic disability may differ.
The full bank has 1,020 more ID-ADJ questions with explanations.
Continue in the free practice test →
View plans