Arkansas Insurance Adjuster Practice Exam

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All are excluded from Equipment Breakdown Protection Coverage Form coverage EXCEPT:

  1. mechanical failure

  2. electrical testing

  3. hail

  4. combustion explosion

The correct answer is: hail

Hail is excluded from Equipment Breakdown Protection Coverage Form coverage, but the other options are all included. Mechanical failure, electrical testing, and combustion explosion are all covered by this form. Mechanical failure refers to any kind of breakdown or malfunction that is not caused by human error, such as a part breaking or malfunctioning due to wear and tear. Electrical testing refers to any kind of testing or operation related to an electrical system, and combustion explosion refers to any kind of explosion or fire caused by the combustion of fuel. Hail, on the other hand, is not covered because it is considered a natural occurrence and not an equipment malfunction.

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