WY Public Adjuster Practice Questions - Wyoming Public Adjuster Exam

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A Wyoming policyholder's property is damaged by both wind (covered) and flood (excluded). The adjuster determines wind caused 60% and flood caused 40% of the damage totaling $100,000. Under a standard policy without an anti-concurrent causation clause, what might the insurer owe?

$$60,000, representing the portion of damage attributable to the covered wind peril $$100,000, the full amount regardless of cause $$0, because any excluded peril involvement voids the entire claim $$40,000, the flood portion only

Correct Answer:

$$60,000, representing the portion of damage attributable to the covered wind peril

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