10 exam-style questions with answers and explanations, straight from our 1,034-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
The RI-IADJ exam has 40 questions and runs 1 hours.
These 10 free RI-IADJ questions are organized by exam domain, so you can see how each part of the Rhode Island Independent Adjuster Exam blueprint is tested. Reveal the answer and explanation under each question.
A commercial building has a replacement cost of $800,000; the land is worth another $200,000. Its policy carries a $480,000 building limit and requires 80% coinsurance based on the building's replacement cost, excluding land. A covered partial loss is $120,000. Apply the coinsurance adjustment before the $2,000 deductible. With no other adjustments, what is the insurer's payment?
Correct answer: D - $88,000
The parties to a Rhode Island negligence claim agree that the claimant was 65% at fault and the insured driver was 35% at fault. Compensable damages are established, and no separate defense bars recovery. A supervisor recommends denying the claim because the claimant bears most of the fault. Which response correctly applies Rhode Island's negligence rule?
Correct answer: C - Reduce the damages for the claimant's fault rather than bar recovery for majority fault.
After a water loss, a contractor identifies a failed connector that may support recovery against its manufacturer. The connector can be removed intact, and drying the room will not alter it. Further delay will increase damage. The insurer expects to pursue subrogation after paying the covered claim. Which instruction best protects that recovery opportunity?
Correct answer: A - Photograph and retain the connector; allow drying and unrelated repairs to proceed.
For a covered property loss, the insurer estimated replacement cost at $18,000, deducted $6,000 depreciation and a $1,000 deductible, and paid $11,000. After completed repairs, the policy limits replacement-cost recovery before the deductible to the lesser of estimated replacement cost or actual eligible repair cost. Equivalent repairs are completed for $16,000, and all conditions are met. The policy limit is adequate; no other adjustments apply. What additional payment is due?
Correct answer: A - $4,000
The agreed repair scope is replacement of 240 square feet of damaged flooring. Cutting waste requires purchasing 264 square feet of material. The contractor's pricing agreement charges installation labor only for the area actually installed, with no labor charge for waste. An estimate uses 264 square feet for both material and installation labor. Which quantity correction is warranted?
Correct answer: C - Retain 264 square feet of material; reduce labor to 240.
Wind has partly detached a home's porch roof. A structural engineer has prohibited entry beneath it and recommended exterior stabilization by a qualified contractor before more wind arrives. The homeowner asks whether to walk underneath to photograph the damaged supports before work begins. The policy requires reasonable protection against further damage and preservation of evidence. What direction best meets those duties?
Correct answer: B - Arrange the recommended stabilization and document the damage without entering beneath the roof.
A corroded supply pipe suddenly ruptures inside an occupied home, damaging the kitchen cabinets. The homeowners policy excludes deterioration of the pipe itself but covers resulting damage from sudden accidental plumbing discharge. There is no evidence of repeated seepage or outside water entering the home. How should the adjuster separate the claimed repairs?
Correct answer: B - Exclude the failed pipe itself; cover the resulting damage to the cabinets.
A driver swerves to avoid a deer without touching it and strikes a guardrail. The guardrail impact causes all the damage to the insured car. The personal auto policy includes both collision and other-than-collision coverage; it classifies contact with an animal as other than collision and impact with an object as collision. Under which coverage should the car's damage be adjusted?
Correct answer: D - Collision, because the guardrail impact caused the damage.
A Rhode Island adjuster is negotiating collision repairs on a vehicle manufactured 60 months ago. Its damaged fender requires replacement, and the owner has given the repairer written consent to install an original equipment manufacturer (OEM) fender. The insurer proposes an equivalent aftermarket fender, arguing that the vehicle is more than 48 months old. Under Rhode Island's replacement-parts requirements, the insurer must:
Correct answer: A - Include the OEM fender's cost in the appraisal and claim payment.
A Rhode Island applicant buys a personal auto liability policy without collision coverage. The insurer sends a form offering uninsured motorist property damage coverage and permitting its rejection, but the applicant never returns it. There is no earlier rejection or other written election. How must the insurer treat uninsured motorist property damage coverage?
Correct answer: C - Include it with a $25,000 limit because no written rejection was returned.
The full bank has 1,024 more RI-IADJ questions with explanations.
Continue in the free practice test →
View plans