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Section 1
Analyze personal and commercial property coverage
Preview
Preview: General property insurance product knowledge pertinent to adjusters (48%)
Preview includes- 4 of 6 lesson topics
- 1 overview segment
- 3 core concepts
- 2 exam tips
Lesson Topics
- Coverage analysis sequence
- Standard Fire Policy and personal lines
- Commercial property forms and causes of loss
- Covered property and interests
Overview
Nearly half of the Georgia Adjuster outline is product knowledge, so property-coverage analysis must be systematic rather than intuitive.
Core Concepts
- Start with the declarations to identify the named insured, property, policy period, limits, deductibles, and endorsements; then use the insuring agreement to determine the coverage grant.
- Read definitions before deciding whether property or a person fits a covered category.
- Apply exclusions only after the loss falls within the grant; then apply conditions and endorsements.
Exam Tips
- Write PCFVEL: Property, Cause, Form, Valuation, Endorsement, Limit.
- Do not calculate payment until you have selected the correct coverage part and valuation method.
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Section 2
Apply risk, peril, hazard, and loss concepts
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Section 3
Apply declarations, insuring agreements, exclusions, and conditions
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Section 4
Analyze auto, inland marine, ocean marine, bonds, crime, and professional liability
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Section 5
Prepare complete loss reports
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Section 6
Apply additional and time-element coverages
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Section 7
Apply valuation, coinsurance, liability, and negligence
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Section 8
Apply Georgia adjuster licensing and discipline
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Section 9
Apply duties after loss, proof of loss, appraisal, subrogation, and settlement provisions
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Section 10
Apply contract and policy terminology
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Section 11
Evaluate direct and indirect loss and damages
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Section 12
Identify parties, coverage, deductibles, and tortfeasors
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Section 13
Apply unfair-claims and prohibited-practices law
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Section 14
Apply guaranty, auto-plan, FAIR Plan, and cancellation rules
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