Florida Insurance Claims Adjuster License Practice Exam

The insured's windshield is cracked by a low hanging branch, costing $650 to replace. Which deductible applies and how much will insurance pay?

1. $250

2. No coverage

3. $500

4. $650

The correct answer is: $650

A deductible is the amount the insured pays out of pocket before insurance will cover the remaining cost. In this case, since the cost of replacement is $650, the insured would need to pay the full $650 before any insurance coverage applies. Option A, $250, is a lower deductible but is not applicable in this scenario since it does not cover the full cost of replacement. Option B, no coverage, is incorrect since the insured's policy covers windshield damage. Option C, $500, is also incorrect as it is not the full cost of replacement. Therefore, D is the correct answer as it is the full cost of replacement and the deductible that applies.