West Virginia Adjusters Practice Exam 2026 - Free Adjuster License Practice Questions and Study Guide

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What is typically excluded from standard homeowners insurance policies?

Fire damage

Flood damage

Flood damage is typically excluded from standard homeowners insurance policies because it is considered a separate risk that requires specific coverage. Homeowners insurance is designed to protect against a variety of risks, including fire damage, theft, and liability for personal injuries. However, flooding poses unique challenges and risks that are not covered due to the potential severity and financial impact it can have on properties. To address flood risk, homeowners must purchase a separate flood insurance policy through the National Flood Insurance Program or private insurers. This distinction ensures that homeowners have the option to cover specific water-related damages while maintaining clarity on what is included in their standard policy. Understanding this separation helps homeowners effectively manage their insurance needs and adequately protect their property.

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Theft

Liability for personal injuries

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