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The WY-PCADJ exam has 105 questions and runs 2 hours.
These 10 free WY-PCADJ questions are organized by exam domain, so you can see how each part of the Wyoming Property and Casualty Adjuster Exam blueprint is tested. Reveal the answer and explanation under each question.
During a theft interview, a store owner explains that he stopped checking the back door at closing because insurance would replace anything stolen. His inventory is accurate, and there is no evidence that he arranged the theft. Which concept describes the attitude that increased this exposure?
Correct answer: B - Morale hazard
Immediately before a fire, a warehouse has a replacement cost of $800,000 and an assessed market value of $600,000. Its replacement-cost policy carries a $480,000 building limit, 80% coinsurance, and a $10,000 deductible. Covered repairs have been completed for $160,000. The coinsurance condition is in force and applies before the deductible. How much is payable for the building damage?
Correct answer: A - $110,000
A consulting engineer's claims-made-and-reported E&O policy runs from January 1 through December 31, 2025, with a January 1, 2023 retroactive date. An extended reporting period allows claims first made and reported in 2026 for otherwise eligible acts committed before the policy expired. Which claim satisfies these timing requirements?
Correct answer: C - Act: July 2024; claim first made: April 2026; reported: May 2026.
A homeowner's unscheduled diamond ring is destroyed in a covered fire. The policy settles personal property at actual cash value and has a $1,500 sublimit for theft of jewelry, but no jewelry sublimit for fire. Coverage C is adequate. Before the deductible, what valuation governs the ring?
Correct answer: B - The ring's actual cash value at the time of loss.
An insured says, 'A deer caused my car damage, so this is a comprehensive claim.' Dashcam footage shows that she avoided the deer but struck a guardrail. Her personal auto policy includes both collision and other-than-collision coverage. How should the damage to her car be classified?
Correct answer: D - Collision, because the impact was with the guardrail.
A printing business earns no revenue during a covered shutdown after a fire. For the compensable restoration period, records support $140,000 in expected revenue and $58,000 in expenses avoided because of the closure. The business continues paying $36,000 in covered rent and payroll and incurs $9,000 of separately covered extra expense. The waiting period has elapsed; no limit or coinsurance penalty applies. What is the business-income loss, excluding extra expense?
Correct answer: A - $82,000
Fire crews have left a small machine shop. From the entrance, an adjuster sees a sagging ceiling and exposed electrical wiring; the power-disconnection status is unknown. The owner starts toward the rear office to retrieve records. What should the adjuster do first?
Correct answer: D - Keep the owner outside and arrange qualified structural and electrical safety assessments before resuming the inspection.
An insurer routinely holds agreed building-loss payments until insureds accept its offers on disputed contents claims. In a current fire claim, the building amount is documented and due; only the contents valuation remains contested. Which instruction would correct this handling under Wyoming's unfair claims settlement law?
Correct answer: B - Pay the agreed building amount without conditioning it on the contents settlement.
Nine months into a Wyoming commercial property policy, the insured converts a clothing warehouse into a solvent-processing facility. The conversion substantially increases the risk in a way the insurer neither foresaw nor contemplated. Premiums are current. For midterm cancellation based on this change, what minimum advance written notice does W.S. 26-35-202 require?
Correct answer: A - 45 days
A Wyoming motorist has uninsured motorist bodily-injury coverage in force when another driver's negligence injures her. The other driver has a valid liability policy, but that insurer becomes insolvent and cannot pay the covered liability. An adjuster proposes denying the UM claim solely because the other driver carried insurance on the accident date. Which response correctly applies Wyoming law?
Correct answer: C - Evaluate the claim under UM because insurer insolvency is included in the statutory definition.
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