MN Public Adjuster Practice Questions - Minnesota Public Adjuster Exam

A Minnesota policyholder's basement floods due to a sewer backup. Is this covered under a standard homeowners policy?

Yes, all water damage is covered No, sewer backup is typically excluded from standard homeowners policies; coverage requires a separate sewer and drain backup endorsement, often with a sublimit Yes, but only for the first $1,000 Only if the backup was caused by a city sewer failure

Correct Answer:

No, sewer backup is typically excluded from standard homeowners policies; coverage requires a separate sewer and drain backup endorsement, often with a sublimit

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