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Free NY General Adjuster (17-70) Practice Questions

The 17-70 independent general adjuster exam is 100 questions in two hours, and the bulletin sets 70% to pass. These ten span the outline, from adjusting losses and homeowners to commercial lines and workers compensation.

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Question 1 · General Adjuster (Series 17-70)

Whom does a public adjuster represent?
  1. A. The insurer
  2. B. The insured
  3. C. Both parties equally, as a neutral umpire
  4. D. The reinsurer
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The answer is B. A public adjuster is hired by the insured to present and negotiate a first-party claim.

  • A is wrong: Staff and independent adjusters work for the insurer.
  • C is wrong: A neutral umpire is part of appraisal, not public adjusting.
  • D is wrong: Reinsurers use their own claims staff.

Question 2 · General Adjuster (Series 17-70)

Which homeowners form is designed for a tenant?
  1. A. HO-4
  2. B. HO-3, the special form for owners
  3. C. HO-6, written for the owner of a condominium unit
  4. D. HO-8, the modified form for older homes
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The answer is A. The HO-4 contents broad form covers a renter's personal property and liability.

  • B is wrong: HO-3 is for owner-occupied homes.
  • C is wrong: HO-6 is for condominium unit owners.
  • D is wrong: HO-8 is for older homes with high replacement costs.

Question 3 · General Adjuster (Series 17-70)

Under no-fault (personal injury protection), whose coverage generally pays a passenger's medical expenses first?
  1. A. The at-fault driver's policy
  2. B. The occupant's own health insurer
  3. C. The policy on the vehicle the occupant was in
  4. D. The state fund for uninsured drivers
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The answer is C. No-fault pays basic economic loss to occupants without regard to fault, through the policy covering the vehicle.

  • A is wrong: No-fault pays regardless of fault.
  • B is wrong: PIP is primary for auto injuries.
  • D is wrong: That fund is a last resort.

Question 4 · General Adjuster (Series 17-70)

A business buys a policy containing only a commercial crime coverage part. That policy is
  1. A. monoline
  2. B. a package policy
  3. C. a businessowners policy, which combines property and liability for small firms
  4. D. an umbrella
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The answer is A. A policy with a single coverage part is monoline; two or more make a package.

  • B is wrong: A package needs two or more coverage parts.
  • C is wrong: A BOP combines property and liability.
  • D is wrong: An umbrella sits over underlying liability policies.

Question 5 · General Adjuster (Series 17-70)

A bakery customer becomes ill at home from a cake bought the day before. Under the businessowners liability form, the claim falls within
  1. A. personal and advertising injury
  2. B. the premises medical payments coverage for injuries that happen on the bakery's own premises
  3. C. property damage to the cake
  4. D. the products-completed operations hazard
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The answer is D. Injury arising from a product after it leaves the insured's premises falls within the products-completed operations hazard.

  • A is wrong: That covers offenses such as libel.
  • B is wrong: The illness arose away from the premises, from a product.
  • C is wrong: The claim is for illness, not damage to the cake itself.

Question 6 · General Adjuster (Series 17-70)

An umbrella policy can pay a claim the underlying policy does not cover, after the insured pays a retention. This is called
  1. A. follow form coverage
  2. B. concurrent coverage, which shares each loss equally with the underlying insurer from the first dollar
  3. C. coinsurance on the excess layer
  4. D. drop-down coverage
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The answer is D. Umbrellas can drop down to cover gaps, subject to a self-insured retention.

  • A is wrong: Following form means matching the underlying terms.
  • B is wrong: Umbrellas sit above, not beside.
  • C is wrong: Coinsurance is a property clause.

Question 7 · General Adjuster (Series 17-70)

Which limited policy makes a borrower's loan payments while the borrower is disabled?
  1. A. Dental insurance for routine care
  2. B. Hospital indemnity coverage that pays a set amount per day of confinement
  3. C. Vision care for exams and glasses
  4. D. Credit disability insurance
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The answer is D. Credit disability pays the installments on a specific debt while the insured is disabled.

  • A is wrong: Dental insurance pays for dental care, not loans.
  • B is wrong: That pays per hospital day, not the loan.
  • C is wrong: Vision care pays for eye exams and glasses.

Question 8 · General Adjuster (Series 17-70)

An owner lives in a home insured on a dwelling policy. After a covered fire, which coverage pays the owner's own extra costs of living elsewhere?
  1. A. Fair rental value of the dwelling
  2. B. Additional living expense
  3. C. Other structures coverage for buildings set apart from the dwelling by clear space
  4. D. Personal property in the dwelling
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The answer is B. Additional living expense pays the increase in living costs while the insured's residence is unfit.

  • A is wrong: Fair rental value pays lost rent from tenants.
  • C is wrong: Other structures covers detached buildings only.
  • D is wrong: Personal property pays for damaged contents.

Question 9 · General Adjuster (Series 17-70)

Because the insurer drafts the policy and the insured can only accept or reject it, courts resolve ambiguities against the insurer. Which characteristic explains this?
  1. A. Adhesion
  2. B. Utmost good faith between the parties
  3. C. Indemnity
  4. D. The aleatory nature of the contract
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The answer is A. A contract of adhesion is offered on a take-it-or-leave-it basis, so ambiguity is construed against the drafter.

  • B is wrong: Good faith is a duty of both parties, not the reason for this rule.
  • C is wrong: Indemnity limits recovery to the actual loss.
  • D is wrong: That describes the unequal exchange of values.

Question 10 · General Adjuster (Series 17-70)

An independent adjuster changes her email address. Whom must she tell?
  1. A. The Department of Financial Services, as with any change of address
  2. B. Only the insurers that currently send her assignments
  3. C. No one, because only a business street address is on record
  4. D. Her clients
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The answer is A. Licensees must keep every address on file current, including email, so notices from the regulator reach them.

  • B is wrong: The licensing authority must be told of every address change, email included.
  • C is wrong: The outline names all addresses, including email, as reportable.
  • D is wrong: A client notice does not update the license record.
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