Florida Insurance Claims Adjuster License Practice Exam

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Under the Business and Personal Property Coverage Form, which is NOT considered an additional coverage?

  1. A. Cost to hire a night watchman

  2. B. Cost to preserve property

  3. C. Debris Removal

  4. D. Fire Department Service Charge

The correct answer is: A. Cost to hire a night watchman

The Cost to hire a night watchman is not considered an additional coverage because it is already included in the base policy. The Business and Personal Property Coverage Form only provides additional coverage for expenses that are not covered under the base policy. The Cost to preserve property, Debris Removal, and Fire Department Service Charge are all examples of additional coverage because they are not typically covered under the base policy, but can be added on for an additional cost.

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