State Farm Estimatics
Questions and Answers
(2022\/2023)
Removal of shingles
estimate for the actual number of squares (not square feet). No estimating or
rounding
Replacement of shingles
a) Include waste in the calculation
-10% – Composite
-15% – wood
b) Round up to the nearest bundle
-Assume 3 bundles per SQ for composite shingles<\/p>\n\n\n\n
-Assume 4 bundles per SQ for wood
00:03
01:45
What do wood shingle estimates always end with?
fourths. .25, .5, .75, .00
What do composite shingle estimates always end with?
thirds. .33, .66, .00
Calculating Hip Roofs
get main body first. extensions second.
Hip roof triangular ends
are calculated when the main roof is calculated b\/c a triangle is accounted for that
didn’t actually exist<\/p>\n\n\n\n
When calculating extensions on a hip roof
don’t count for the triangle, but don’t forget the two parrallelograms remaining
(there is a good chance they are identical)
When calculating the main body
Don’t assume that you can just find one side of a roof and double it. Why? the
rafters might be different lengths
How do you find the height of a hip roof?
the height of the triangle is equal to the length of the rafter that is forming the
parallelogram
(only true if the pitch of the roof is identical and the angles on the hip roof are 90
degrees)
Do you round when removing a roof?
No, removal is always the exact number<\/p>\n\n\n\n
State Farm Estimatics
Questions and Answers
(2022\/2023)
Removal of shingles
estimate for the actual number of squares (not square feet). No estimating or
rounding
Replacement of shingles
a) Include waste in the calculation
-10% – Composite
-15% – wood
b) Round up to the nearest bundle
-Assume 3 bundles per SQ for composite shingles<\/p>\n\n\n\n
-Assume 4 bundles per SQ for wood
00:03
01:45
What do wood shingle estimates always end with?
fourths. .25, .5, .75, .00
What do composite shingle estimates always end with?
thirds. .33, .66, .00
Calculating Hip Roofs
get main body first. extensions second.
Hip roof triangular ends
are calculated when the main roof is calculated b\/c a triangle is accounted for that
didn’t actually exist<\/p>\n\n\n\n
When calculating extensions on a hip roof
don’t count for the triangle, but don’t forget the two parrallelograms remaining
(there is a good chance they are identical)
When calculating the main body
Don’t assume that you can just find one side of a roof and double it. Why? the
rafters might be different lengths
How do you find the height of a hip roof?
the height of the triangle is equal to the length of the rafter that is forming the
parallelogram
(only true if the pitch of the roof is identical and the angles on the hip roof are 90
degrees)
Do you round when removing a roof?
No, removal is always the exact number<\/p>\n\n\n\n
State Farm Estimatics Exam
The formula for determining the area of a trapezoid is:
Select the single best answer:
A. [(Base1 + Base2) \u00f7 2] x Height
B. \u00bd Base x Height
C. Base x Height
D. ???????????????? (pi r squared) – ANS [(base1+base2) \/ 2] * height
The formula for determining the area of a triangle is:
Select the single best answer:
A. ???????????????? (pi r squared)
B. [(Base1 + Base2) \u00f7 2] x Height
C. Base x Height
D. \u00bd Base x Height – ANS D. \u00bd Base x Height
The formula for determining the area of a circle is:
Select the single best answer:
A. \u00bd Base x height<\/p>\n\n\n\n
B. ???????????????? (pi r squared)
C. [(Base1 + Base2) \u00f7 2] x Height
D. Base x Height – ANS B. ???????????????? (pi r squared)
“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., studs, joist, rafters.
TrueFalse – ANS True
Select the False statement:
Select the single best answer:
A. Plywood, oriented strand board (OSB), fiberboard, and rigid insulating panels
are widely used for sheathing.
B. Wall sheathing reinforces the wall framing.
C. Sheathing adds rigidity, strength and some insulating qualities to the wall of a
structure.
D. Sheathing provides a flat surface backing for other products, such as siding.
E. The thickness of the sheathing has no affect on the cost of the material. – ANS
b. Wall sheathing reinforces the wall framing.
Which of the following components is not a part of a roof truss<\/p>\n\n\n\n
State Farm Property
Questions and Answers
(2022\/2023)
In property insurance actual cash value is defined as which of the
following – ANS Replacement cost at the time of the loss, less
depreciation
Peril is most easily defined as – ANS the cause of loss insured
against
What is a leading factor in the determination of actual cash value –
ANS replacement cost<\/p>\n\n\n\n
Replacement cost is defined as – ANS full replacement of property at
its current cost, new and without reduction for depreciation
Property insurance that provides 100k coverage for a building and
50k coverage for personal property at a single location is called – ANS
Specific coverage
Which of the following is used in the formula for calculating the actual
cash value of a property – ANS replacement cost
What is the purpose of the coinsurance clause found in property
insurance policies? – ANS Encourage the insured to insure the
property closer to its full value
An insured has a liability policy that sets the amount at 50k for all
claims that arise from a single incident. which type of limit of liability
does this insured’s policy have? – ANS per occurrence
When the amount of insurance written in a property policy is not
subject to any coinsurance provision and that amount is paid in the<\/p>\n\n\n\n
State Farm Test Studies
Questions and Answers
(2022\/2023)
The general penalty for violating any provision of the insurance Code
for which a different penalty is not specifically provided is? – ANS A
Fine up to $5,000
The Chief Officer of the Insurance Department is the Commissioner of
Insurance. How long and Who is he ELECTED by to office for a term?<\/p>\n\n\n\n
An insurer formed under the laws of Mississippi is known as a? – ANS
A domestic insurer
Insurance Companies are considered to be? – ANS An Insurer<\/p>\n\n\n\n
State Farm Insurance License
Exam Questions and Answers
(2022\/2023) (Verified Answers)
Abandonment Condition – ANS A condition often contained in
property insurance policies that states that the insured cannot
abandon damaged property to the insurer and demand to be
reimbursed for its full value.
Accident – ANS A loss that occurs at a specific time and place
Actual Cash Value (ACV) – ANS Today’s replacement cost minus
depreciation. Depreciation from wear and tear, or obsolescence.<\/p>\n\n\n\n
admitted insurer; authorized insurer – ANS Company that meets a
state insurance department’s standards and is allowed to do business
in that state.
Adverse Selection – ANS the tendency of insureds with a greater than
average chance of loss to purchase insurance
Annual Transit Policy – ANS Nonfiled commercial inland marine
transportation form that insures a property owner’s incoming or
outgoing shipments of goods during a year
Appraisal Clause – ANS A survey of property to determine the
insurable value of the property or the value of the loss sustained.
Appraisal Condition – ANS Policy condition that outlines a procedure
for when the insured and insurer disagree on the amount of a loss
Assignment – ANS The legal transfer of one’s interest in an insurance
policy to another person.<\/p>\n\n\n\n
Aviation Hull Insurance – ANS Provides coverage for physical
damage to an aircraft.
Bailee’s Customers Policy – ANS Nonfiled commercial inland marine
form obtained by a bailee to cover loss or damage to customers’
property in the bailee’s custody without regard to liability.
Appurtenant Structures – ANS Buildings of lesser value that are on
the same premises as the main building insured under a property
policy; they are usually covered by the policy.
Assignment Condition – ANS Condition in insurance policies that
specifies that the policy cannot be transferred to another unless the
company consents to the transfer in writing.
Bailee – ANS A person or organization that has temporary possession
of someone else’s personal property.
Basic Perils in Homeowners Policy – ANS There are 14 perils. Fire,
lightening, riot, explosion, vehicles, volcanic eruption, civil<\/p>\n\n\n\n
state farm property exam 2022\/ 2023
which of the following refers to being restored to the financial condition you were
in before a loss? – ANS indemnification
mark incurred 8000$ damage to his car in an accident. he received 8000$ from his
insurance company and 4000$ from the other driver. by receiving a profit from the
loss, Mark is in violation of.. – ANS principle of indemnity
the transfer of risk from one party to another is called – ANS insurance
the principle of indemnity is designed to prevent – ANS keeps the insured from
making a profit from an insured loss.
the fee paid by the insured in exchange for an insurance policy is called a – ANS
premium
insurance – ANS transfers risk of financial losses from one party to another
insured – ANS individual or organization that pays premiums in exchange for
protection<\/p>\n\n\n\n
insurer – ANS company group or government agency offering financial protection
insurance policy – ANS a legally binding contract in which the insurer agrees to
take on specified risks in exchange for the insured’s premiums
principle of indemnity – ANS restoration to previous financial condition; no more,
no less.
what are the four qualifications of a contract – ANS agreement, consideration,
competent parties, and legal purpose. must be 18 years of age
what is not a requirement for a legally binding contract – ANS notarization
when an insurer issues an insurance policy, the actual item, person or
organization that is being insured is called the – ANS the risk
what is a reserve, in insurance terms – ANS a pool of collected premiums that the
insurer sets aside to pay claims
aleatory – ANS of or pertaining to accidental causes; of luck or chance;
unpredictable
unilateral – ANS one-sided<\/p>\n\n\n\n
utmost good faith – ANS both parties must act honestly and openly in order for
the contract to be valid
adhesion – ANS one party sets the terms of the contract; the other may simply
agree or not agree
unilateral – ANS only the insurer makes a promise to act; the insured can void
contract at any time
personal – ANS the insured person is protected from losses, not the covered
property.
conditional – ANS the insurer must only honor the contract if the insured meets
certain conditions.
aleatory – ANS the exectution of the contract depends on an unknown future
event.
an insurance applicat revealing his convictions for drunk driving to an insurer is
an example of – ANS utmost good faith.<\/p>\n\n\n\n
tom purchases a new car from his local car dealer. he also decides to get
insurance coverage that will pay to repair the car if he were to get into an
accident. this is because tom wants to protect – ANS his own financial interest in
the car.
tom decides to purchase an insurance policy to protect his home. according to
the definition of a personal contract, which of the following most accurately
describes what tomes insurance actually protects – ANS toms financial interest
in thee home
what is not true about an aleatory contract – ANS in an aleatory contract, the
amount of benefit to the insured and insurer is equal.
what does D.I.C.E stand for? – ANS declarations page (and definitions), insuring
agreement, conditions and exclusions (and endorsements)
‘we will provide the insurance described in this policy in return for the premium
and compliance with all applicable provisions of this policy.’ in which section of
the insurance policy might this statement be found? – ANS insuring agreement
in which section of the policy might you find the following statement ? ‘damage to
insured property must be reported within 15 days of the damaging occurrence.’ –
ANS conditions<\/p>\n\n\n\n
State Farm Auto Exam Cards
Competitive Bids – ANS The competitive bid process requires that
two or more repairers submit competitive estimates or
“bids” for a specific repair job. The amount of the low, complete bid is
generally considered to
be the “competitive” price and is used as the basis for settlement. In
all cases, the vehicle owner
selects the facility that will perform repairs.
PCPs – ANS State Farm uses a continuous
survey that gives repairers the opportunity to provide information
online. The repairer information is used to determine labor rates and
material pricing levels that
reflect prevailing prices in that area. PCPs are determined by
analyzing information provided by
repairers that meet the Equipment\/Capabilities Criteria listed on the
Repair Facility Survey form<\/p>\n\n\n\n
Select Service Program – ANS In some market areas, repairers have
been selected to participate in State Farm’s Select Service
Program. The program is designed to enhance claim service,
increase efficiency, and afford
customers an opportunity to select qualified repairers to inspect and
estimate vehicle damage
Paintless Dent repair – ANS Paintless Dent Repair (PDR) is an
industry recognized repair process that involves the removal
of
hail dents or other types of damage from metal exterior surface
panels without disturbing the
vehicle’s finish. In most cases, this procedure involves the use of
specialized tools to apply
pressure to the backside of the panel to remove surface
imperfections. Other techniques may be
used to repair damage from the topside of the panel, depending on
the size and location of the
damage. By using either of these techniques, the technician is able to
restore panel appearance<\/p>\n\n\n\n
State farm auto external claim Resource
Certification Exam
You’re preparing an estimate on a customer’s vehicle that requires refinishing of
the hood and right front fender only. The hood is the first panel listed on the
estimate. According to most Collision Estimating Guides, would refinish overlap
be applicable on the hood? Choose the most correct statement.
Select the single best answer:
A. Overlap would not be applicable on the hood refinish time as it’s the first major
panel. A refinish overlap deduction would be applicable to the fender refinish
time as it’s an adjacent major panel.
B. A refinish overlap deduction would be applicable to the hood refinish time as
it’s the first major panel. A refinish overlap deduction would also be applicable to
the fender refinish time as it’s an adjacent major panel.
C. Overlap would not be applicable to the hood refinish time or to the fender
refinish time as they are not defined as major panel. – ANS B.)A refinish overlap
deduction would be applicable to the hood refinish time as it’s the first major
panel. A refinish overlap deduction would also be applicable to the fender refinish
time as it’s an adjacent major pane<\/p>\n\n\n\n
When estimating vehicle damage, if its determined a repair operation is
necessary, you should include a separate line item allowance on your estimate.
T or F – ANS True
State Farm customers can have their vehicles repaired at the repair facility of
their choice.
T or F – ANS True
According to State Farm Guidelines, would betterment potentially apply when
refinishing a complete vehicle?
Yes or No – ANS Yes
The prices State Farm pays for most repair operations is determined from:
A.)Printed or Electronic price guide
B.)Repair facility survey results
C.)Judgement Time
D.)All of the above
E.)Only A and C – ANS All of the above<\/p>\n\n\n\n
mamas test
under an FP-7955 policy, deductibles apply to which of the following types of
losses.
B. Fire department service charges
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
00:05
01:45
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.
The steps in applying the deductible on a FP-7955 homeowners policy are:<\/p>\n\n\n\n
B. Spouse
Composition shingles can be purchased in bundles which could be 1\/3 square or
1\/4 square. True or False?
A. True
The formula for determining the area of a trapezoid is:
[(base1+base2) \/ 2] * height
The formula for determining the area of a triangle is:
1\/2 base * height
The formula for determining the area of a circle is:
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
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.<\/p>\n\n\n\n
Which of the following components is not a part of a roof truss?
b. Bird’s Mouth
00:01
01:45
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
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
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<\/p>\n\n\n\n
State Farm Fire Independent Policy Exam
Select the false statement listed below: In the HO-3 policy, the ALE payments will
be made only for:
Select the single best answer:
A. The shortest time necessary to repair or replace the damaged property, but not
to exceed 24 months.
B. If the insured does not rebuild, the time necessary for the insured to relocate in
permanent living quarters, but not to exceed 24 months.
C. ALE payments can run beyond the expiration of the policy.
D. ALE payments are limited to incurred costs for the shortest of three time
frames as dictated by the policy.
E. ALE payments will not exceed 20% of Coverage A limits. – ANS E. ALE
payments will not exceed 20% of Coverage A limits.
The insured has a HO-3 policy in force. All of the losses are covered except:
Select the single best answer:
A. Shed rented to a tenant, to store furniture<\/p>\n\n\n\n
B. Detached garage used to operate a lawnmower repair shop
C. Garage rented to the neighbor to store an antique automobile
D. Basement used as an office for insured’s bookkeeping business
E. Garage (attached) rented to tenant to store fishing boat – ANS B. Detached
garage used to operate a lawnmower repair shop
Jennifer Marco has a HO-3 policy, with a 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?
Select the single best answer:
A. Coverage for personal property applies for perils listed under Section I –
Losses Insured, Coverage B – Personal Property and Section I – Additional
Coverages.
B. Coverage B applies only for items Jennifer owns, while anywhere in the world.
C. The limit of liability for theft loss to jewelry and furs is $1000 or 10% of the
Coverage B limit, whichever is greater.
D. The limit of liability for tornado losses to firearms is $2,500. – ANS A. Coverage
for personal property applies for perils listed under Section I – Losses Insured,
Coverage B – Personal Property and Section I – Additional Coverages.<\/p>\n\n\n\n
Under an HO-3 policy, deductibles apply to which of the following type(s) of
losses.
Select the single best answer:
A. Credit Card, Bank Fund Transfer Card, Forgery and Counterfeit Money
B. Fire Department Service Charges
C. Rekey locks after keys are stolen
D. Debris Removal Charges – ANS B. Fire Department Service Charges
In the HO-3 policy, Coverage C consists of three coverages:
Additional Living Expense
Fair Rental Value
Property Removed
True or False – ANS False its Additional Living expense, Fair rental value and
prohibited use
The steps in applying the deductible on a HO-3 homeowners policy are:
1.)The deductible is first applied to the covered loss.
2.)Any coverage or special limits are then applied to the covered loss.<\/p>\n\n\n\n
3.)The amount payable to the insured will be the greater of the amounts arrived at
in steps 1 and 2.
True or False – ANS True
The definition of an insured includes all of the following except:
Select the single best answer:
A. Person(s) listed on the Declaration Page
B. Spouse, if a resident of the household
C. Relatives, if residents of the household
D. Any person under the age of 21 in the care of the named insured, resident
spouse, or a resident relative
E. Spouse – ANS Spouse
Joe Smith has a HO-3 policy. He is a carpenter and has collected 100 2″X4″ studs
and 30 2″X6″ rafters from various job sites. Joe has no specific plans to use the
lumber. The lumber is covered under Coverage A.
True or False – ANS False
Under an HO-3 policy, which of the following would be a Coverage B item?<\/p>\n\n\n\n
In property insurance actual cash value is defined as which of the following – ANS
Replacement cost at the time of the loss, less depreciation
Peril is most easily defined as – ANS the cause of loss insured against
What is a leading factor in the determination of actual cash value – ANS
replacement cost
Replacement cost is defined as – ANS full replacement of property at its current
cost, new and without reduction for depreciation
Property insurance that provides 100k coverage for a building and 50k coverage
for personal property at a single location is called – ANS Specific coverage
Which of the following is used in the formula for calculating the actual cash value
of a property – ANS replacement cost
What is the purpose of the coinsurance clause found in property insurance
policies? – ANS Encourage the insured to insure the property closer to its full
value<\/p>\n\n\n\n
An insured has a liability policy that sets the amount at 50k for all claims that
arise from a single incident. which type of limit of liability does this insured’s
policy have? – ANS per occurrence
When the amount of insurance written in a property policy is not subject to any
coinsurance provision and that amount is paid in the event of a covered loss, the
coverage is said to be written as – ANS stated amount
What is stated amount coverage – ANS In stated amt coverage the value of the
insured property is determined at the time the policy is written.
in the event of a loss, that amount is paid without regard to any coinsurance
provision.
However, if the loss is less than the total, the insurer has salvage rights with the
insured having first right of refusal of the salvage.
What type of liability would a person who owns a swimming pool have? – ANS
Absolute
What is absolute liability – ANS Any conduct that is inherently dangerous
imposes absolute liability. the claimant does not have to prove anything<\/p>\n","protected":false},"excerpt":{"rendered":"
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