WorksheetsIowa final
Total questions: 15
Worksheet time: 8mins
David works in a factory where he is regularly exposed to silica dust. Which of the following conditions is considered an occupational disease?
Silicosis caused by workplace exposure to silica dust
Seasonal flu caught at work
A broken leg from a fall at home
Mental stress unrelated to physical injury
Olivia is reviewing her homeowner's insurance policy and wants to know who is included in the definition of the insured. Who is included?
Bank employees
Resident relatives
Mortgagee
Independent contractors
Daniel is reviewing his property insurance policy and notices a section that lists certain exclusions. Which of the following is an example of an exclusion in his property policy?
Primary vs. excess rules
Insurer must respond to a claim within a reasonable time
Earth movement excluded unless endorsed
Resident relatives included
Luna receives a notice from her insurance company stating that her property policy will not be renewed. According to Iowa law, what must the insurance company provide in this situation?
Advance written notice
Immediate cancellation
Proof of loss
Appraisal invocation
After Charlotte's car was damaged in an accident caused by another driver, her insurance company paid for the repairs. What is the purpose of subrogation in this situation?
To prevent double recovery
To protect customer financial information
To resolve disputes over value
To recover from the at-fault party after paying a claim
Henry owns a large commercial property and is concerned about potential losses from terrorist attacks. He wants to know what protection the Terrorism Risk Insurance Act (TRIA) provides for property owners like him.
Coverage for acts of terrorism certified by the federal government
Protection for customer financial information
Rules for ending coverage
Defense costs in addition to limits
James has two health insurance policies from different companies. He gets injured and files claims with both insurers. What does the 'Other Insurance Provision' prevent in this situation?
Excessive rates
Cancellation of coverage
Fraudulent claims
Double recovery
Nora works at a meat processing plant and develops carpal tunnel syndrome due to repetitive cutting motions required by her job. Which of the following is an example of a covered injury under Iowa Workers’ Compensation?
A pre-existing condition unrelated to work
An injury while running a personal errand on break
A seasonal flu caught at work
Carpal tunnel syndrome caused by repetitive cutting motions
Sophia owns a property in Iowa and has an insurance policy for it. She recently received a notice from her insurer stating that her property policy is being cancelled. Which of the following is a valid reason for cancellation of her property policy under Iowa law?
Change in address
Nonpayment of premium
Request for higher coverage limits
Addition of a new insured
After a severe storm damages Maya's home, what must she do according to her insurance policy conditions?
Notify the mortgagee
Invoke appraisal
Protect property after a loss
Submit proof of loss
William slipped and fell while performing his regular duties at work. What is required for his injury to be covered under Iowa Workers’ Compensation?
It must occur during a personal errand
It must arise out of and occur in the course of employment
It must be an ordinary disease of life
It must be unrelated to job duties
Scarlett is reviewing her new insurance policy and wants to know where she can find the insurer's promise to pay. Which section should she look at?
Conditions
Exclusions
Declarations
Insuring Agreement
Lily is applying for a new insurance policy. The insurer needs to gather information to assess the risk and decide on the terms of her coverage. What is the primary source of underwriting information that the insurer will use?
Proof of loss statements
Mortgagee rights documentation
Applications, inspections, credit reports, loss history
Appraisal reports
Charlotte is reviewing her new property and casualty insurance policy. She wants to know what information she can find in the declarations section. What will she see listed there?
What is not covered
Rules both parties must follow
Insured name, address, limits
Insurer's promise to pay
Anika and Nora own a building together. After a fire damages the property, they disagree with the insurance company about how much the building was worth before the loss. What is the purpose of the appraisal process in their property policy?
To protect property after a loss
To prevent double recovery
To notify the insurer of a claim
To resolve disputes over value
