Arkansas Insurance Adjuster Practice Exam

What is the likely result of Nancy's claim after leaving her windows open during a rainstorm and causing water damage?

1. The insurer will cover all the damage.

2. The insurer will cover part of the damage.

3. The insurer will not cover any of the damage.

4. The claim results in an immediate renewal of her policy.

The correct answer is: The insurer will not cover any of the damage.

Nancy's claim for water damage after leaving her windows open during a rainstorm is highly unlikely to be covered by her insurer. This is because most home insurance policies have exclusions for damage caused by natural disasters or neglectful actions. In this case, leaving the windows open during a rainstorm could be considered negligence on Nancy's part and therefore, the insurer may deem it as an avoidable loss and deny coverage. Option A and B are incorrect because they suggest that the insurer will cover at least part of the damage, which is not likely. Option D is also incorrect because a claim for damages does not typically result in an immediate policy renewal. Furthermore, it is important to note that even if Nancy had a homeowners insurance policy that covers water damage, there may be limits to the coverage or a deductible that she would need to pay before the insurer covers any of the damages. Therefore,