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 NV-ADJ exam has 90 questions and runs 2 hours.
These 10 free NV-ADJ questions are organized by exam domain, so you can see how each part of the Nevada Property and Casualty Adjuster Exam blueprint is tested. Reveal the answer and explanation under each question.
A wind claim is settled on an actual-cash-value basis. Like-kind roof replacement is $24,000; an optional code upgrade would add $3,000 but is not covered. The covered roof has 25% depreciation, and the deductible is $1,000. What is the initial payment?
Correct answer: A - $17,000
Security video shows a person enter a closed office through an unlocked exterior door and carry away computers. Investigators find no visible marks of forcible entry or exit. The applicable crime form defines burglary as unlawful entry or exit evidenced by visible force. Which conclusion is best supported?
Correct answer: C - Theft is supported, but the form's burglary definition is not
A Nevada claimant proves $120,000 in damages. The trier of fact assigns 35% fault to the claimant and 65% combined fault to the defendants. Before policy limits or other offsets, what amount is recoverable?
Correct answer: A - $78,000
A windstorm tears open part of an insured warehouse roof. Rain is entering near exposed electrical conductors, and the utility has not confirmed that the circuit is de-energized. Which instruction best balances immediate safety with the insured's post-loss duties?
Correct answer: C - Keep people clear, contact emergency or utility personnel, and arrange documented temporary protection when the area is safe
An errors-and-omissions policy runs from January 1 through December 31, 2025, with a January 1, 2023 retroactive date and a six-month extended reporting period (ERP). A wrongful act occurs in May 2025; the insured had no prior knowledge. The claim is first made and reported in March 2026. Which statement is most accurate?
Correct answer: A - The claim may qualify because the ERP extends reporting for a pre-expiration act
Rapid surface-water runoff inundates 1.4 acres of normally dry land and three adjoining properties, one of which is the insured premises. Under the National Flood Insurance Program definition, the event is best treated as:
Correct answer: D - A flood, because two or more properties are inundated and one is the insured's
Under the New York Standard Fire Policy appraisal provision, each party timely selects an appraiser after written demand. The appraisers then cannot agree on an umpire for 16 days. What is the next authorized step?
Correct answer: B - Either party may ask a court of record to appoint the umpire
A sales representative uses her own sedan for a client visit. The corporation neither owns, leases, hires, rents, nor borrows the car. Under a standard Business Auto Coverage Form, which symbol specifically designates this class of auto for the corporation's liability coverage?
Correct answer: B - Symbol 9 - non-owned autos
Hail damages several customers' vehicles parked overnight at a repair shop. The shop exercised reasonable care and is not legally liable. Its garagekeepers coverage includes comprehensive and the direct primary option. The direct primary option means the insurer should:
Correct answer: D - Consider primary garagekeepers payment even without the shop's legal liability
Liability for a Nevada claimant's property-damage claim is reasonably clear, but the claimant's bodily-injury claim remains disputed. The adjuster proposes withholding the undisputed property-damage payment until the claimant signs a global release. The adjuster should:
Correct answer: B - Pay the undisputed property damage promptly and negotiate bodily injury separately
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