mamas test

Our insured's residence premises suffered damage to floor coverings, baseboards, drywall and personal property following exceptionally heavy rains that caused a nearby creek to rise and water enter the home. While the insured's were out of their home due to the flooding, looters stole lawn equipment from inside the detached garage. Under FP-7955 policy, what items be covered.

Stolen lawn equipment

Sue Kojack is the named insured. Other residents in the household are: 1. Sue's 21-year-old son, Louis 2. Tammy, Louis's wife 3. Matt, a 16-year foster kid 4. Mildred, a 38-year-old friend who lost her job Who would qualify as insureds under a FP-7955 policy

Sue, Tammy, Matt, and Mildred

"On-center" is a term to describe the distance from the center of one framing member to the center of the next framing member, i.e., stud, joist, ratters. True or False?

True

The cooling system for the insured's freezer is damaged due to a power failure and all food in the unit is spoiled before the insured becomes aware of the loss. You can pay for the food if there is a FP-7955 policy in force. True or False?

True

The insured (FP-7955 policy in force) is building a barn on property where he plans to build a new home and move in the future . The property is not listed on the Declaration Page. During the construction process he stores construction materials and supplies for the barn in his detached garage at the insured premises. These building materials and supplies for the barn in his detached garage at the insured premises. These building materials and supplies are destroyed. They are not covered under Coverage A. True or False?

True

The formula for determining the area of a trapezoid is:

[(base1+base2) / 2] * height

Under an FP-7955 policy with Option JF, which if the following statements is true concerning a jewelry loss?

a. Coverage is for accidental direct physical loss or damage unless otherwise stated

The insured has a storage shed on a foundation in his backyard. It is damaged by a windstorm and has not been repaired or replaced. Which one of the following statements is correct under the FP-7955?

a. The shed is a Coverage A-Dwelling Extension, subject to the dwelling extension limit

Which of the following components is not a part of a roof truss?

b. Bird's Mouth

Paul Smith owns a home at 1526 Keystone Rd. with a FP-7955 policy in force. He also owns a cabin in the mountains which is not listed on the declaration page of his policy. Paul stayed at the cabin for two weeks and performed repairs on the cabin during his stay. Paul brought with him the building materials, supplies, and tools necessary to make repairs. He also brought sporting equipment and clothes. Lighting struck the cabin, damaging it and personal property while Paul was there. All of the furniture and appliances normally remain at the cabin.

b. That furniture and appliances are subject to the 10% or $1000 limit under Coverage B

Which Statement is FALSE?

b. Wall sheathing reinforces the wall framing.

Select the false statement listed below: In the FP-7955 policy, the ALE payments will be made only for:

c. ALE payments will not exceed 20% of Coverage A limits

Paul Smith owns a home at 1526 Keystone Rd. with a FP-7955 policy in force. He also owns a cabin in the mountains which is not listed on the declaration page of his policy. Paul stayed at the cabin for two weeks and performed repairs on the cabin during his stay. Paul brought with him the building materials, supplies, and tools necessary to make repairs. He also brought sporting equipment and clothes. Lighting struck the cabin, damaging it and personal property while Paul was there. All of the furniture and appliances normally remain at the cabin.

c. Tools, sporting equipment, and clothes are considered Personal Property and covered up to the Coverage B limits of liability

Judy Howard owns a home at 2500 Mocking Bird Lane. She had a FP-7955 policy in force. She sold the home on June 5, XX and began moving her personal property to a new residence. On June 27 a tornado damaged the personal property at the new location. Judy's policy is still in force. She did not have a policy in force for the ne location. a. Coverage up to the Coverage B limits applies at the new location b. Coverage up to the Coverage B limits applies at the original location d. A and B

d. A and B

Option ID under the FP-7955 applies to :

the dwelling and other building structures

Assume an FP- 7955 in force. The insured's home is damaged by a severe windstorm and the family is forced to move into a motel for 2 weeks. The insured provided the following receipts. The water, electricity and telephone remained in service following the loss. Paid Amount Normally Spent Mortage Payment: $985 $985 Hotel Bill: $1075 $0 Water: $25 $35 Electrictcity: $125 $95 Telephone $ 10 $38 Cable TV: $ 0 $29 Restaurant Meal: $505 $150 Car: $35 $20 Laundry: $60 $10 Dry Cleaning: $15 $15 How much do you owe for ALE. Do not consider a deductible.

$1248

The Sheriff's department ordered evacuation of the residence premises due to an approaching hurricane. To protect their personal property, the insured moved antique furniture and valuables to a secure storage facility. The insured's family was not allowed to return to their home for three weeks. The hurricane damaged neighboring homes but the residence premises did not suffer any damage. The insured's family submitted the following bills, in addition to their hotel bill. Trailer Rental (one way) to haul furniture and valuable $158.50 Wages paid to neighbor sons to unload furniture $90 Rent to secure storage building 3 weeks $75 Trailer rental to haul furniture back home $158.50 Wages paid to neighbor son to unload furniture $45 Hotel bill for 3 weeks ($500/week) $1,500 Under the FP-7955 policy with a $500 deductible, how much would we owe the insured's?

$1527

Mike and Jennifer Reed have an FP-7955 policy in force with a $250 deductible. Lighting struck the insured's house, damaging the house and contents. Mike is a policeman and operates a small engine repair shop in a shed on the insured premises. Jennifer is a sales representative and often has samples and merchandise at the house. The following items were listed on the personal property inventory forms submitted after the loss. Cash in Mike'd billfold-$35 Cash in Jennifer's purse- $160 Change in piggy bank- $25 Hand tools used in Mike's business- $780 Jennifer sales samples- $320 Mike's Police uniform- $375 4 hunting rifles- $1820 3 Shotguns- $870 How much would you pay for the hunting rifles and shotguns listed in the loss? Do not consider the deductible in calculating this answer.

$2,690

Mike and Jennifer Reed have an FP-7955 policy in force with a $250 deductible. Lighting struck the insured's house, damaging the house and contents. Mike is a policeman and operates a small engine repair shop in a shed on the insured premises. Jennifer is a sales representative and often has samples and merchandise at the house. The following items were listed on the personal property inventory forms submitted after the loss. Cash in Mike's billfold-$35 Cash in Jennifer's purse- $160 Change in piggy bank- $25 Hand tools used in Mike's business- $780 Jennifer sales samples- $320 Mike's Police uniform- $375 4 hunting rifles- $1820 3 Shotguns- $870 How much of the deductible, if any, would be absorbed in the lose?

$250

The insured has an FP-7955 policy with a coverage A limit $250,000 and Option ID of $50,000. The in-ground swimming pool, located 20 feet away from the home, is totally destroyed by a loss insured. What is the maximum amount you can pay for pool debris removal and replacement of the pool?

$26,250

Mike and Dorothy Jackson have a FP-7955 policy with $250 deductible. Their entire redwood basket weave fence, which surrounds the rear yard, is destroyed ina windstorm. The cost to replace the fence $1300. The actual cash value of the fence is $900. Repairs are complete. How much do you owe Mr. and Mrs. Jackson?

$650

An FP-7955 policy is in force with Coverage A limits of $75,000, Coverage B limits of $56,250 and a deductible of $500. During a severe thunderstorm, a window is broken by hail and winds blows rainwater through the window. Rainwater damages the hardwood floor, wallpaper, vertical blinds, and an area rug. The insured presents the following claim: Sand & Finish $650 Remove & Replace Wallpaper $320 Remove & Replace Blinds $175 Replace area rug $35 All repairs are complete. How much do you owe the insured?

$680

The Sheriffs's department ordered evacuation of the residence premises due to an approaching hurricane. The insured's departed in compliance with the order. They were not allowed to return for two weeks. The hurricane damaged neighboring homes but the residence premises did not suffer any damage. The insured'd family stayed in a hotel during the mandatory evacuation and were charged $600 per week/ Under the FP-7955 policy, with a $500 deductible, how much would we owe the insured?

$700

Bill and Mary Johnson have a FP-7955 policy on their home with Coverage A limits of $400,000 and Coverage B limits of $300,000 with a $1000 deductible. Very high straight-line winds struck their home, blowing down six large trees on the residence premises. One tree fell on the split-rail fence of the rear yard, damaging 24LF of the fence. Another fell on a portable picnic table, destroying it. The remaining four trees were simply blown down in the yard. Bill and Mary submitted the following receipts for payment: Remove tree from fence to repair fence (two chainsaw cuts) $50 Repair 24 LF of split-rail fence ($15 per foot) $360 Remove tree debris (tree on fence) from residence premises $300 Remove tree from picnic table ( 3 chainsaw cuts) $75 Replace picnic table (Lowe's - treated pine-assembled) $120 Remove tree debris (tree from table) residence premises $410 Remove remaining four trees from residence ($375 each) $1500 Replace six trees destroyed by high winds ($250 each) $1500 What is payable on this loss?

0

An FP-7955 homeowners policy with an $250 deductible is in force and the policy limits (Coverage A and Coverage B) are adequate to cover this damage. During a severe windstorm, rain blows through open windows and causes the following damage; $1700- Hardwood floor in dining room $220- Water stains on drywall $125- Water stains on rug $375- Antique Vase (broken by wind) How much should you pay on this loss? All repairs have been made.

2,170

Calculate the number of squares of shingles to be removed from this roof.

35.02 Squares

In the Price List, the price to replace a roof mount power attic vent is:

A. $206.35

To paint the walls and ceilings of Bedroom #1 and its closet, how many square feet would you need to paint? Assume the walls are 8' high and all doors are 2'6" x 6'8"

A. 1002.00 SF

Assume you have made an inspection of the risk and determined the north slope of the roof must be removed and replaced. You did not find any damage to the South, East or West slopes. Calculate the number of squares to replace the North slope.

A. 12.35 Squares

Refer to the house exhibit above, identify the eave.

A. 2I

We insure Steve Smith with a FP-7955 policy. Steve works at the Acme Vacuum Co. On weekends and in the evenings he repairs vacuum cleaners in the detached building structure on the insured premises. the building damaged by a severe windstorm. Since Steve owns his business and only works part time the damage will be paid under the Dwelling Extension coverage on the policy. True or False?

False

When estimating to replace wood gates, the price includes fence slats, rails, staples, hinges, latch, hardware, cement mix, all posts and installation. True or False

False

In an FP-7955 policy, Option AI (Additional Insured) provides coverage for:

Coverage A

Refer to the house exhibit above, identify the drip edge.

E

Refer to the house exhibit above, identify the flashing.

E. 2M

Refer to the exhibit above, identify the rake

E: 2N

Bill Smith constructed an awaiting an awning beside his detached garage, under which he stores his small fishing boat. He screwed the framing of the awning to the fascia of the garage and supported the other side with posts set in concrete. Since the awning has no foundation, it is not considered a Coverage A item. True or False?

False

Gulf Coast. The National Bureau issued a hurricane warning affecting the insured premises on July 18th. The insured removed antique furniture and stored it in a warehouse 50 miles inland. The furniture was damaged by flood waters August 22nd. We will pay for for the damage to the furniture. True or False?

False

Joe Smith has FP-7955 policy. He is a carpenter and has collected 100 2"x4" studs and 30 2"x6" ratters from various job sites. Joe has no specific plans to use the lumber. The lumbar is covered under Coverage A. True or False?

False

Lighting hits a power transformer two streets away from the risk and knocks out the power to the entire area. The temperature is in the 20's and our insured's home is heated by an electric furnace. The insured has a FP-7955 policy in force ALE will be payable on this loss. True or False?

False

In the FP-7955 policy is in force with Coverage A limits of $75,000. The policy has a $1,000 deductible. The house is totally destroyed by a tornado and the cost to replace the house is $75,550 plus debris removal of $4,225 for a total claim of $79,775. All repairs have been completed. What is the amount of your final settlement? Consider the deductible in your calculations.

$78,750

During a severe thunderstorm, water puddled on the lawn, in a low area in front of our insured's sliding glass door. The water accumulated to the point that it seeped under the door, damaging the hardwood floor, wall paper, vertical blinds, and area rug. A FP-7955 policy is in force with such limits: Coverage A: $75,000 Dwelling Extensions: $7,500 Coverage B: $56,250 Deductible: $500 The insured presents this claim: Sand & Finish Floor: $650 Remove & Replace wallpaper: $320 Remove & replace blinds: $175 Replace area rug (contents): $35 All repairs are complete. How much do you owe the insured?

0

The formula for determining the area of a triangle is:

1/2 base * height

Paul Smith owns a home at 1526 Keystone Rd. with a FP-7955 policy in force. He also owns a cabin in the mountains which is not listed on the declaration page of his policy. Paul stayed at the cabin for two weeks and performed repairs on the cabin during his stay. Paul brought with him the building materials, supplies, and tools necessary to make repairs. He also brought sporting equipment and clothes. Lighting struck the cabin, damaging it and personal property while Paul was there. All of the furniture and appliances normally remain at the cabin. The furniture and appliances have been replaced. You have verified the actual cash value for them to be $6135 and the replacement cost to be $8325. The Coverage B limit is $80,00, the policy deductible is $250 and Loss Settlement Provision is B1. What is the amount payable for the furniture and appliances?

8000

Refer to the exhibit above, identify the cellulose

A

Refer to the exhibit above, identify the gable event

A

Blanket insulation is an uncut roll of insulation cut to length at the job site. It is used in walls and attics. and may or may not have a backing material.

A. True

Composition shingles can be purchased in bundles which could be 1/3 square or 1/4 square. True or False?

A. True

The steps in applying the deductible on a FP-7955 homeowners policy are: 1. The deductible is first applied to the covered loss. 2. Any coverage or special limits are the applied to the covered loss. 3. The amount payable to the insured will be the greater of the amounts arrived at in steps 1 and 2. True or False?

A. True

Non-masonry siding products such as wood, aluminum, vinyl, steel, and vinyl clad siding are usually measured by the foot, but the materials are typically sold by the square (100 SF) or by the piece. True or false

A. true

To replace baseboards in Bedroom #2 and its closet, how many lineal feet will be needed? Assume all doors are 2'6" & 6'8"

A.80.67 LF

Refer to the exhibit above, identify the turbine vent

B

In the Price List, the price to remove and replace a turbine type roof vent is:

B. $66.95

To replace the insulation in the exterior of bedroom #1 and its closet, how may square feet would you need? Assume the walls are 8' high

B. 264.00 SF

For questions 29 & 30: A room is 15' 3" long. 13' 5" wide with a ceiling height of 8', and the following openings: Patio door: 6'0" wide x 6'8" high Entry door: 2'6" wide: x 6'8" high Window 1: 5'0" wide x 6'0" high Window 2: 3'0" wide x 6'0" high

B. 458.72 SF

How many LF of baseboard are in the room?

B. 51.34 LF

Assume you have inspected the above risk. The home has vinyl siding. The North and West elevations were damaged by hail and must be replaced. How much siding will you replace? If necessary, refer to "Inch to Foot Conversion Chart"

B. 587.04 SF

According to the "Average Size Door Opening Guideline," a missing wall measuring 3'0 wide x 6'8" high would generally be subtracted from the quantity of drywall needed for that room. True or False.

B. False

In the Price List, the paint code, PNT P, does not allow for removal of switch and outlet covers, dropping light fixtures or moving items away from walls.

B. False

in the FP-7955 policy, Coverage C consists of three coverages: 1. Additional Living Expense, 2. Fair Rental Value and 3. Property Removed. True or False?

B. False

under an FP-7955 policy, deductibles apply to which of the following types of losses.

B. Fire department service charges

The definition of an insured includes all of the following except:

B. Spouse

Refer to the exhibit above, identify the fascia.

C

How many trusses (16" o.c) are in a 35' 6" long gable roof with no overhang on the gable ends?

C. 28

Refer to the house exhibit above, identify the ridge.

C. 2K

Calculate the number of squares of shingles will need to be removed from this roof.

C. 34.11 squares

Calculate the number of squares needed to replace this roof.

C. 39.25 squares

All of the following statements are true except: Select the false statement. A. Composition shingles are made of fiberglass or asphalt saturated roofing material embedded with mineral granules B. Wood roofing is generally divided into two categories, wood shingles and wood shakes. C. Composition shingle weights range from 120 lb. to 480 l.b per square D. Rigid roofing materials include cay, concrete, metal, and slate

C. Composition shingle weights range from 120 lb. to 480 lb. per square.

What is the category and sector code for 3 1/4" stain grade baseboard?

C. FNC B3+

In the Price list, the code to seal then paint the exterior is:

C. PNT XSP

Refer to the exhibit above, identify the soffit vent

D

Refer to the exhibit above, identify the three tab shingle

D

To replace the carpet pad in Bedroom #1 and its closet, how square feet will be needed? All seams run East to West and the pad roll is 6' wide.

D. 266 SF

Calculate the linear feet of drip edge required when replacing this roof.

D. 277.66 LF

Refer to the house exhibit above, identify the valley.

D. 2L

Calulate the number of squares needed to replace this roof.

D. 38.67 Squares

To replace the carpet in the Living Room, how many square feet will be needed?

D. 726.00 SF

In the Price List, which of the following statements is true regarding the remove unit price.

D. A and B only

Jennifer Marco has a FP-7955 policy with coverage B limit of $75,000, a $500 deductible and no option AI, ID, FA, or JF. Which of the following statements is true concerning her personal property.

D. Coverage for personal property applies for perils listed under Section I - Losses Insured, Coverage B - Personal Property and Section I - Additional Coverages.

There is a 6" x 6" water stain on the acoustic ceiling (popcorn) texture of a 15' x 15' bedroom. The drywall and texture are undamaged. Which of the repair to the ceiling?

D. PNT ACS (2 SF), PNT ACP (6.25 SF) the PNT ACP the entire bedroom ceiling

In the Price List, 15" x 36" exterior wood shutters would be replaced using the following code:

D. SDG SHTRW

All of the following statements are true except: Select the False statement

D. Vinyl clad siding is steel siding with a vinyl coating over it. It is more den-resistant than steel.

What is the category and selector code for a 3'0" x 5'0", single hung, vinyl window with double glazing and heavy duty vinyl frame.

D. WDV S>+

Chuck Bailey has a FP-7955 policy with Loss Settlement Provisions of A1 & B1. After Chuck has made repairs to Coverage A items and replaced Coverage B items, claim payment (subject to any limit of liability) will be based upon which of the following amounts?

Replacement cost

Jo Smith has an FP-7955 policy and grows exotic orchids as a hobby. Orchids cannot survive more than 80 degrees F. While Jo was on vacation, the electricity was out for several days. The temp in the home rose to 95 degrees, causing the flowers to wilt die. Immediately prior to the power outage, a tornado was spotted in the vicinity: Jo submitted a claim for $2000. In order to pay the claim for the damaged flowers you must verify: a. The power interruption took place on the residence premises b. The power interruption was caused by a loss insured c. Power lines off the residence premises remained energized d. A,B, and C. are required to pay this loss. e. there was no damage to the Coverage A property therefore you cannot pay for the loss of the flowers.

d. A,B, and C. are required to pay this loss.

Under an FP-7955 policy, which of the following statements about Option JF is false?

d. Coverage applies only for the Coverage B named perils.

Under an FP-7955 policy, which of the following would be a Coverage B item?

d. Free standing gas range

Under and FP-7955 policy, which of the following would not be a Coverage A item?

d. Materials and supplies to build bookshelves in the basement of the residence premises and stored in the garage

Which of the following statements can apply to Debris Removal Coverage in the FP-7955 policy? a. Pay up to $500 in the aggregate for each loss to cover the reasonable expenses incurred in the removal of tree debris from the residence premises when the tree has caused a loss insured to Coverage A property. b. We will pay the reasonable expenses incurred in the removal of debris of covered property damaged by a loss insured. This expense is included in the limit applying to the damaged property. c. When the amount payable for the property damage plus the debris removal exceeds the limit for the damaged property, an additional 5% of that limit is available for debris removal expense. d. all of the above apply e. none of the above apply

d. all of the above apply

Assume you have a FP-7955 policy in force and do not have any endorsements added to the policy. Which of the following types of loss will be covered? a. The home sustains structural damage due to an earthquake b. A landslide carries a large tree into the side of the home causing structural damage c. The home is located in a nonflood area, but after heavy rain, the home sustains structural damage from 13 inches of floodwater standing in the house for 3 days d.none of these are covered

d. none of these are covered

An FP-7955 policy is in force. A severe windstorm blows down a large oak tree in th insured's front yard. A portion of the tree falls upon and damages the root of the insured dwelling. Which of the following expenses would not be covered?

d.$500 replace tree

Select the choice below that most accurately describes treatment of a deductible under the FP-7955 policy. a. The deductible may be partially absorbed b. The deductible may be completely absorbed c. The is not applied to Fire Department Service Changes d. The deductible may be absorbed due to covered loss in excess of a coverage limit or a special limit. e. All the above are true

e. All the above are true

The Insured has a FP-7955 policy in force. All of the losses are covered except:

e. Detached garage used to operate a lawnmower repair shop

In the FP-7955 policy, temporary repairs: a. Are available for reasonable and necessary cost incurred, caused by a insured. b. Provide an additional amount of insurance for temporary repairs to covered property. c. Are to protect the property from further immediate damage or loss. d. a ,b, and c are correct e. a & c are correct

e. a & c are correct

The insured has an FP-7955 policy. Lighting during a thunderstorm struck the insured's maple tree, killing it and knocking a large portion onto the roof of the insured dwelling. Which of the following expenses would not be covered? a.$150 to remove tree b.$400 to cut the tree up and move to landfill c.$500 to repair roof d.$500 to replace tree e. all are covered

e. all are covered

Mike and Jennifer Reed have an FP-7955 policy in force with a $250 deductible. Lighting struck the insured's house, damaging the house and contents. Mike is a policeman and operates a small engine repair shop in a shed on the insured premises. Jennifer is a sales representative and often has samples and merchandise at the house. The following items were listed on the personal property inventory forms submitted after the loss. Cash in Mike'd billfold-$35 Cash in Jennifer's purse- $160 Change in piggy bank- $25 Hand tools used in Mike's business- $780 Jennifer sales samples- $320 Mike's Police uniform- $375 4 hunting rifles- $1820 3 Shotguns- $870

e. none of the above

If a picture falls from a wall and damages an expensive statue, under the FP-7955 policy coverage for the statue would:

not apply, not an insured peril