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The WA-CROP-ADJ exam has 50 questions and runs 1 hour.
These 10 free WA-CROP-ADJ questions are organized by exam domain, so you can see how each part of the Washington Crop Adjuster License Examination blueprint is tested. Reveal the answer and explanation under each question.
A newly licensed Washington crop adjuster qualified solely by passing the state's crop adjuster examination. An adjusting firm offers her a private crop-hail claim and a federally insured crop claim. She has not completed an RMA-compliant certification program. Which assignment may she adjust under her present qualifications?
Correct answer: A - The private crop-hail claim, but not the federally insured crop claim.
To obtain insurance money, a grower knowingly submits a fabricated $2,400 hail claim for an undamaged field. The insurer discovers the fabrication before paying anything. Under RCW 48.30.230, how is this conduct classified?
Correct answer: A - A Class C felony, because the fraudulent claim exceeds $1,500.
The initial pretrial hearing in a licensed crop adjuster's criminal prosecution has taken place. The charge is contested, no conviction has occurred, and license renewal is several months away. Which event starts Washington's 30-day period for reporting this prosecution to the Insurance Commissioner?
Correct answer: B - The initial pretrial hearing, even though the prosecution remains unresolved.
An insurer paid $18,000 on a covered crop-fire loss, leaving the grower with a $2,000 deductible. It then recovers $8,000 from the negligent contractor responsible for the fire. The grower has no fault in the loss. The insurer spent $200 on its own collection work and retained no outside attorney. Under Washington's deductible-recovery rule, how must the recovery be allocated?
Correct answer: D - $2,000 to the grower and $6,000 to the insurer.
A crop-share lease gives the landlord 40% of production and the tenant 60%. Each buys crop-hail insurance expressly limited to that party's own share. Their other-insurance clauses apply when another policy covers the same interest. After a hail loss, an examiner proposes splitting each party's loss between the two insurers in proportion to policy limits. How should the contracts instead be applied?
Correct answer: C - Adjust each separately; the landlord and tenant have insured different ownership interests.
Two sets of photographs document a wheat field immediately before and after a hailstorm. Lodging in a low area is unchanged, but previously upright wheat elsewhere now has fresh impact bruises and shattered heads. The policy covers direct hail damage and excludes pre-existing injury. Which interpretation best fits this evidence?
Correct answer: C - Separate the new impact-related damage from the lodging documented before the storm.
Only 20 acres of an 80-acre wheat field have hail damage. Representative samples establish a 30% covered loss on those 20 acres and no loss elsewhere. The grower owns the entire crop, insured at $600 per acre. The policy subtracts a 5-percentage-point deductible separately from each acre's loss, with no payment below zero. No prior payments or other limits affect the claim. How much indemnity is payable?
Correct answer: B - $3,000
An orchard inspection finds hail impact marks on 36% of apples in a representative sample. Some marked apples retain their original sales grade; others must be sold for processing. The policy settles covered loss by reduction in crop value, and grade quantities and prices have not yet been established. What does the 36% finding establish for this adjustment?
Correct answer: D - It estimates the proportion of marked fruit, not the crop's value loss.
A load of harvested wheat burns while being hauled from a storage shed to an elevator. The wheat had previously been delivered from the insured field and completely unloaded into that shed. Its transit endorsement covers fire during movement from the field to the first storage destination, including unloading, and ends when unloading there is complete. The grower still owns the wheat. Which fact is decisive under this endorsement?
Correct answer: A - The first delivery and unloading were complete before the trip on which the fire occurred.
An insurer's agent receives a grower's telephone report identifying the policy, damaged field, loss date, and apparent hail damage. The individual crop policy permits telephone notice. The agent forwards the report to the claims office four working days later; the proof-of-loss form is still unsigned. No acknowledgment or payment has been made. Which acknowledgment period applies?
Correct answer: D - 10 working days from the insurer's agent's receipt of the telephone report.
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