West Virginia Adjusters Practice Exam 2025 - Free Adjuster License Practice Questions and Study Guide

When a tree falls on Norman's house and damages his roof, it is considered a direct loss because the damage is directly caused by the lightning strike. Option B, an indirect loss, refers to a loss that is caused by the initial event, but is not directly impacted by it. Option C, a consequential loss, typically refers to financial losses that result from the direct loss. Option D, a covered peril, refers to a specific event that is covered by an insurance policy. In this case, the lightning strike would be considered a covered peril, but the damage to Norman's house would be classified as a direct loss.