Catastrophe Adjusting & Disaster Response Flashcards
7 cards from real CALA practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.
Read the first 7 Catastrophe Adjusting & Disaster Response flashcards as text
Under a homeowners policy, mold damage resulting from a hurricane is MOST likely covered when:
Answer: The mold is a direct result of covered water intrusion and the insurer was promptly notified
Mold resulting directly from covered hurricane water intrusion is typically covered if the insured reported the loss promptly and mitigated damage.
A 'catastrophe code' assigned by insurers to a specific disaster event is used primarily to:
Answer: Track and aggregate losses from a single event for statistical and reinsurance purposes
Catastrophe codes allow insurers to aggregate all claims from a single event for reinsurance reporting and industry loss tracking.
When adjusting tornado losses, which area of damage is MOST commonly overlooked during initial inspections?
Answer: Foundation cracks and structural racking caused by wind pressure
Tornadoes can cause structural racking and foundation damage that is not visible on the surface and is commonly missed in initial inspections.
The 'anti-concurrent causation' clause in a homeowners policy is relevant in CAT claims because it:
Answer: Can exclude a loss when an excluded peril (like flood) acts concurrently with a covered peril (like wind)
Anti-concurrent causation clauses deny coverage when an excluded peril contributes to a loss simultaneously with a covered peril.
After a major disaster, an adjuster notices the insured has already hired a public adjuster. The CAT adjuster should:
Answer: Continue normal claim handling while directing all communications to the public adjuster as the insured's representative
When an insured is represented by a public adjuster, communications should be directed to that representative while the claim proceeds normally.
In hail damage claims, 'functional damage' to a roof differs from 'cosmetic damage' in that:
Answer: Functional damage compromises the roof's ability to perform its intended protective function
Functional damage impairs the roof's protective performance (e.g., compromised granules leading to premature failure), while cosmetic damage affects only appearance.
Which federal program provides temporary housing assistance to disaster survivors while their homes are being repaired?
Answer: FEMA Individuals and Households Program (IHP)
FEMA's Individuals and Households Program provides temporary housing assistance, home repair grants, and other needs assistance to disaster survivors.