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 GAA exam has 105 questions and runs 2 hours.
These 10 free GAA questions are organized by exam domain, so you can see how each part of the Georgia Adjuster Exam blueprint is tested. Reveal the answer and explanation under each question.
Wind tears an opening in a covered roof, and rain entering through that opening immediately damages the contents. The policy covers wind and resulting rain damage through a wind-created opening. The best causation conclusion is:
Correct answer: A - Wind is the dominant initiating cause, so the resulting rain damage is analyzed under the covered-opening provision
A building worth $600,000 is subject to an 80% coinsurance condition. The insured carries a $360,000 limit, sustains a $50,000 covered partial loss, and has a $1,000 deductible. Before any other limitation, the insurer pays:
Correct answer: D - $36,500; apply the 75% carried-to-required ratio, then the deductible
A store employee carelessly pushes a cart into a shopper's empty cart. Duty, breach, and factual causation are undisputed, but no bodily injury, property damage, or other legally recognized loss results. The missing negligence element is:
Correct answer: D - Damages
A condominium unit owner is responsible under the association bylaws for interior additions and alterations. She also wants coverage for personal property, loss assessment, loss of use, and personal liability. Select the homeowners form designed for this exposure.
Correct answer: C - HO-6 Unit-Owners
A driver swerves to avoid a deer but never contacts the animal. The insured auto then strikes a guardrail. Under standard personal auto physical-damage classifications, the loss is:
Correct answer: B - Collision, because the covered auto struck an object
A building owner has only 25% of the total square footage rented or used for customary operations. After 75 consecutive days in that condition, lightning causes $100,000 of covered damage. Ignore the deductible and policy limit. The standard commercial vacancy condition produces a payment of:
Correct answer: B - $85,000, because another covered cause is reduced by 15%
During the policy period, a retailer publishes an advertisement that allegedly libels a competitor. The competitor files suit after the CGL policy expires. The coverage most directly implicated is:
Correct answer: B - Coverage B, because the enumerated publication offense occurred during the policy period
At 2:00 a.m., a supply line ruptures and water continues spreading through an insured building. The insured can safely reach the shutoff, but the adjuster cannot inspect until morning. To satisfy standard post-loss duties, the insured should:
Correct answer: A - Shut off the water, make reasonable emergency repairs, and document the work and expense
The named insured intentionally burns a mortgaged building. The lender is listed under a standard mortgage clause, had no knowledge of the act, and satisfies its own duties under the clause. The lender's coverage position is:
Correct answer: C - The lender may retain separate protection despite the insured's act, subject to the clause
A fire occurs ten days after the insured increased the building limit. Several purchase receipts are missing, and the fire's cause has not yet been determined. The adjuster's next step should be:
Correct answer: D - Investigate the timing, documents, cause, and valuation before deciding coverage
The GAA exam also covers these domains. Drill them in the full free practice test:
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