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 NH-ADJ exam has 150 questions and runs 2 hours 30 minutes.
These 10 free NH-ADJ questions are organized by exam domain, so you can see how each part of the New Hampshire Adjuster's Property and Casualty Insurance Exam blueprint is tested. Reveal the answer and explanation under each question.
Twelve days after receiving payment on a New Hampshire motor-vehicle total loss, a claimant submits documented valuations from two reliable local sources supporting a higher local-market value for the loss vehicle. The insurer did not previously identify an available qualifying comparable vehicle and supply its required identifying details. How should the adjuster proceed?
Correct answer: B - Reopen the valuation and assess the sources under the 20-day rule
A New Hampshire insured carries collision coverage with a $1,000 deductible. The other vehicle and its operator are positively identified, the vehicle has no insurance, and the investigation determines that the other operator was solely at fault. What must the insurer do regarding the deductible?
Correct answer: D - Waive or reimburse it no later than 30 days after the fault determination
A general and temporary inundation from unusual, rapid surface-water runoff affects an insured store and the neighboring property. The combined area is only 1.4 acres of normally dry land. Under the National Flood Insurance Program definition, how should the event be classified?
Correct answer: A - As a flood; two affected properties satisfy the alternative area threshold
An insurer privately limits a producer's authority, but gives the producer branded binding software, permits repeated binding of the same class of risk, and accepts the resulting premiums without objection. A customer reasonably relies on those outward acts. The customer's claim of authority rests primarily on:
Correct answer: C - Apparent authority, because the principal's conduct created the reasonable belief
A New Hampshire jury finds total compensatory damages of $160,000 and assigns 45% fault to the claimant and 55% to the defendants. No policy limit or other offset applies. What amount may the claimant recover?
Correct answer: C - $88,000
A commercial building is worth $800,000 at the time of loss. Its policy has an 80% coinsurance requirement, a $480,000 limit, and a $2,000 deductible. A covered partial loss is $160,000, and the limit is otherwise sufficient. What is the insurer's payment?
Correct answer: A - $118,000
An insurer reports a 68% loss ratio and a 29% expense ratio for a line of business. Ignoring investment income, which interpretation is correct?
Correct answer: D - The combined ratio is 97%, indicating an underwriting profit before investment income
A liability policy states that an occurrence includes continuous or repeated exposure to substantially the same harmful conditions and that all injury from that exposure is treated as one occurrence. Residents allege injury from the same recurring factory emission over six months. How should the claims be grouped for the occurrence limit?
Correct answer: B - As one occurrence arising from the continuous or repeated exposure
A landlord wants property insurance on a rented one-family dwelling. The desired form should cover the dwelling and other structures on an open-peril basis, cover personal property for broad named perils, and allow liability to be purchased separately. The appropriate form is:
Correct answer: A - DP-3 Special
An eligible owner-occupant replaces an HO-3 with an HO-5. Assuming no endorsement changes, the hallmark expansion is:
Correct answer: D - Coverage C changes from broad named perils to open perils
The NH-ADJ exam also covers these domains. Drill them in the full free practice test:
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