[23 Test Answers] FEMA IS-1104: NFIP Claims Review for Adjusters

Here are the FEMA test answers to IS-1104: NFIP Claims Review for Adjusters.

Overview: The FEMA IS-1104 course was published on 10/20/2015 to provide an overview of the Standard Flood Insurance Policy through a step-by-step outline of the similarities and contrasts found in the Dwelling Form, General Property Form, and the Residential Condominium Building Association Policy.

With a focus on providing excellent customer service, the IS-1104 course also identifies common errors and adjustment issues where special attention is needed to ensure a high level of quality in the claims settlement process.

FEMA IS-1104 test answers

Each time this test is loaded, you will receive a unique set of questions and answers. The test questions are scrambled to protect the integrity of the exam.

Question 1. A jewelry store carries personal property coverage under the General Property Form. Much of the insured’s jewelry items are damaged in a flood event. This jewelry is not subject to the Special limits of the policy. 
A. TRUE✅
B. FALSE

Question 2. How many areas of certification are there? 
A. One
B. Three✅
C. Two
D. Four
E. Five

Question 3. There is no assignment of Coverage D, Increased Cost of Compliance (ICC), except to the community when it is in conjunction with a FEMA project, such as the Hazard Mitigation Grant Program (HMGP). 
A. TRUE
B. FALSE✅

Question 4. The adjuster is handling a commercial loss in which there are a large number of contents. The adjuster should: 
A. Recommend using a CPA to the insurer.
B. Have the policyholder put together a list of value of all contents for the adjuster to transfer to the estimate.✅
C. Make no recommendation and handle the content inventory his or herself.

Question 5. As a part of good customer service, it is the adjuster’s responsibility to help improve the policyholder’s understanding of the SFIP. To do this requires specialized knowledge of the Program by the adjuster. 
A. TRUE✅
B. FALSE

Question 6. Adjusters do not have the authority to pay or deny claims. 
A. TRUE
B. FALSE✅

Question 7. The Residential Condominium Building Association Policy (RCBAP) covers the personal property within each unit and is owned individually by the unit owners. 
A. TRUE✅
B. FALSE

Question 8. Which of the following is not a policy form under the SFIP? 
A. Dwelling Form
B. General Property Form
C. Building Form✅
D. Residential Condominium Building Association Policy (RCBAP) Form

Question 9. The preliminary report is due 15 days after the date of assignment to the adjuster. 
A. TRUE✅
B. FALSE

Question 10. Flood-certified adjusters are required to attend approved NFIP certification presentations 
A. TRUE✅
B. FALSE

Question 11. The FCN card identifies an active flood adjuster and the types of claims the adjuster is authorized to handle 
A. TRUE✅
B. FALSE

Question 12. A tree fell through the roof of the insured building allowing torrential rain to enter the risk; there is no general condition of flooding. The resulting damages are covered under the SFIP. 
A. TRUE✅
B. FALSE

Question 13. The General Property Form limits the amount payable for damage to the insured building resulting from pollutants up to: 
A. Coverage is limited to no more than 10 percent of the limit of liability on the building.
B. $25,000
C. $10,000✅
D. $50,000

Question 14. Under the SFIP, which is not one of the three settlement methods? 
A. Replacement Cost
B. Actual Cash Value
C. Special Loss Settlement
D. Disaster Assistance✅

Question 15. Prompt contact is considered to be 24 hours from assignment. 
A. TRUE
B. FALSE✅

Question 16. If the policyholder has had a prior flood loss on the risk, it is not necessary for the adjuster to review the prior loss file(s). 
A. TRUE
B. FALSE✅

Question 17. When handling a Residential Condominium Building Association Policy (RCBAP) flood claim, the adjuster should obtain all the following except?. 
A. Certificate of Occupancy
B. Condominium Association Bylaws
C. Insurance documents✅
D. List of additional insurance.

Question 18. Pollutants are not covered under the SFIP. 
A. TRUE✅
B. FALSE

Question 19. Which of the following is not considered waste and abuse? 
A. Equipment is claimed by the policyholder to be new but has the identical serial and model numbers of equipment paid for in a prior claim.✅
B. Receipts that have been altered.
C. Waterlines painted on the exterior of the risk.
D. Policyholder completes the proof of loss within 60 days

Question 20. Make, model & serial numbers are required for all major appliances claimed. 
A. TRUE✅
B. FALSE

Question 21. Water heights in a basement should be reflected as a negative figure on the Preliminary Report. 
A. TRUE✅
B. FALSE

Question 22. Additional living expenses are available if the flood causes the risk to be uninhabitable. 
A. TRUE
B. FALSE✅

Question 23. When handling a claim in which there is an elevator and related equipment located in a basement or post-FIRM elevated buildings, the adjuster must obtain information as to the date of installation. 
A. TRUE✅
B. FALSE