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The ME-ALADJ exam has 50 questions and runs 1 hours.
These 10 free ME-ALADJ questions are organized by exam domain, so you can see how each part of the Maine Property and Casualty Adjuster Exam blueprint is tested. Reveal the answer and explanation under each question.
A wild deer enters a house and damages built-in cabinetry and a freestanding bookcase. The HO-3 policy covers the dwelling on an open-peril basis and personal property for listed perils. No exclusion applies to the cabinetry damage, but none of the listed personal-property perils describes the event. How should the two losses be classified?
Correct answer: C - Only the built-in cabinetry qualifies for property coverage.
A manufacturer sells a defective washing-machine supply hose. After installation in a customer's home, the hose ruptures and damages the customer's flooring. The manufacturer is legally liable. Its CGL policy includes products-completed operations coverage but excludes property damage to its own product; no other exclusion affects this loss. The demand includes a replacement hose and floor repairs. Which costs belong in the covered property-damage assessment?
Correct answer: D - The flooring repairs, but not replacement of the defective hose itself.
A commercial building carries $360,000 of replacement-cost insurance with 80% coinsurance. At the time of a covered loss, its replacement cost is $600,000 and market value is $450,000. Covered repair costs are $96,000, and all replacement-cost settlement conditions are met. A $2,000 deductible applies after the coinsurance adjustment. What is the net payment?
Correct answer: B - $70,000, after the coinsurance adjustment and deductible.
Following a windstorm, an engineer finds that a warehouse roof could collapse and prohibits entry until stabilization. More rain is forecast. The owner argues that the policy's duty to prevent further damage requires workers to enter immediately and move the stock. The adjuster's priority is to:
Correct answer: D - Keep the area closed and arrange qualified stabilization before entry.
River overflow has flooded several neighboring homes. An insured carries both building and contents coverage under the NFIP Dwelling Form. Water entered a finished basement whose floor is below ground on every side. Which damaged item is eligible under the form's basement building-property coverage?
Correct answer: A - The home's installed, connected central heating furnace.
A covered fire completely shuts down a bakery. For the eligible restoration period, after the waiting period, the bakery would have earned $100,000 in sales and $18,000 in net income before income taxes. Normal expenses of $26,000 continue, while $56,000 of expenses are avoided. Separately, $7,000 qualifies under extra-expense coverage. Before limits or deductibles, what amount belongs in the business-income calculation alone?
Correct answer: D - $44,000, combining lost net income and continuing expenses.
An independent adjuster receives a first Maine adjuster license in 2026 with only Property and Casualty authority. The firm offers four routine assignments. Which assignment requires a different Maine adjuster authority?
Correct answer: B - An employee's workers' compensation claim for an on-the-job injury.
Forty days ago, a Maine insurer received satisfactory proof of a windstorm loss and signed an agreement establishing that $18,000 was payable after the deductible. No further information was needed for that amount. The insurer timely disputed an additional $9,000 in writing, with detailed grounds supported by a reasonable investigation. Nothing has been paid. What should the adjuster recommend now?
Correct answer: A - Pay the $18,000 with statutory overdue interest; continue investigating the $9,000.
"Can you recommend a collision shop?" asks a Maine claimant. The insurer has a repair network, but the claimant has not selected a shop. Which reply respects Maine's repair-choice law?
Correct answer: C - We can suggest a shop; you are not required to use it.
An equipment dealer sells an industrial oven, transfers title, and retains a valid security interest securing the unpaid purchase price. Before that balance is paid, fire destroys the oven. The dealer is insured for its creditor interest. Under Maine's property-insurance law, which fact establishes the dealer's insurable interest at the time of loss?
Correct answer: A - Destruction impairs the dealer's security for the unpaid debt.
The ME-ALADJ exam also covers these domains. Drill them in the full free practice test:
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