10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
The UTAPC exam has 150 questions and runs 2 hours 30 minutes.
These 10 free UTAPC questions are organized by exam domain, so you can see how each part of the Utah Adjuster's Property & Casualty Exam blueprint is tested. Reveal the answer and explanation under each question.
A Utah public adjuster's contract states a percentage fee and a separate hourly rate for time actually spent. Forty-eight hours after the loss is reported, the insurer commits in writing to pay the policy limit. What compensation is permitted under the current Utah rule?
Correct answer: D - Percentage compensation is barred, but reasonable time-and-expense compensation through the commitment may remain payable
A warehouse has a replacement value of $500,000 and an 80% coinsurance requirement. The insured carries a $300,000 limit. A covered loss causes $120,000 in damage, and the deductible is $2,000. Ignoring all other limits, what amount is payable?
Correct answer: A - $88,000
An insured intentionally sets fire to a mortgaged building. The mortgageholder had no knowledge of the act and complied with its policy duties. Under a standard mortgage clause, what is the most likely coverage result?
Correct answer: D - The mortgageholder's separate protection may survive the insured's intentional act
After buying comprehensive coverage, an owner routinely leaves the car unlocked with the keys inside, saying, "The insurer will pay if it disappears." This conduct is best classified as:
Correct answer: D - A morale hazard
At the first inspection of a fire-damaged residence, the adjuster smells a strong gas odor and hears hissing near the meter. The insured wants the adjuster to enter immediately to photograph the suspected origin. What should the adjuster do first?
Correct answer: B - Move everyone to a safe location and contact emergency responders or the utility
A complaint alleges that an insured contractor negligently damaged a customer's property, but it also includes facts that may support an intentional-damage exclusion. The insurer must respond before the facts are resolved. Which step best preserves the insurer's coverage position while providing a defense?
Correct answer: A - Issue a timely, specific reservation-of-rights letter
An insured accidentally spills a can of paint, damaging hardwood flooring and a laptop in an HO-3 home. The accident is not one of the policy's named perils, and no exclusion applies to the building damage. Which coverage conclusion is most accurate?
Correct answer: C - The flooring may be covered under Coverage A, but the laptop is not covered under Coverage C
A Utah driver subject to PIP restrictions suffers a documented wrist fracture in a collision and incurs $1,800 in medical expenses. Liability is otherwise established. May the driver pursue general damages?
Correct answer: C - Yes, because a bone fracture independently satisfies the tort threshold
A claims-made CGL policy runs from January 1 through December 31, 2025, with a retroactive date of January 1, 2023. Unknown property damage occurred in June 2024. The insured first learns of it when a claim is made and reported on February 15, 2026, during the automatic 60-day basic extended reporting period. No exclusion applies. How should the insurer evaluate the timing requirement?
Correct answer: B - Treat the claim as potentially covered under the basic extended reporting period
A Utah worker reaches medical stability with an authorized 8% whole-person impairment. The weekly PPD rate is $500, and the worker is not permanently totally disabled. Using the 312-week whole-person basis, which award applies?
Correct answer: A - PPD for 24.96 weeks, totaling $12,480
The UTAPC exam also covers these domains. Drill them in the full free practice test:
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