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Insurance Adjuster Exam 2025 Questions and Answers Which kind of losses are covered under a standard fire policy? - --Answer -- Direct All fires are not covered by the Standard Fire policies, only those that: - -Answer --are hostile and have a flame or glow At what time does a fire policy go into affect? - --Answer --12:01am standard time at the location of the insured's property A property is insured under two Standard Fire policies for $25,000 each. A fire causes $10,000 worth of damage. What is the maximum amount the insured may collect under each policy? - --Answer --$5,000 A fire burning in the middle of the living room would be considered: - -Answer --a hostile fire An insured's house is damaged by fire caused by a neighbor's negligence. The insurance company will attempt to recover damage from the neighbor. This is called: - --Answer --subrogation ....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 1