AL Claims Adjuster study plan

Classify the major property perils and differentiate named-peril from open-peril (special form) coverage triggers using your own written examples

Compute actual cash value and replacement cost settlements for three sample dwelling losses, showing depreciation math step by step

Apply the coinsurance clause to at least four underinsured and adequately insured scenarios and explain the penalty formula in writing

Identify common property exclusions and endorsement add-backs (ordinance or law, water backup, scheduled personal property) and note which claims each affects

Evaluate commercial property forms, including building and personal property coverage, business income with the period of restoration, and extra expense

Diagram the liability exposure elements (duty, breach, causation, damages) and match each element to a claim investigation step

Compare the three premises liability duty categories (invitee, licensee, trespasser) and assign the correct duty to five fact patterns

Draft a coverage determination memo for a fire loss that implicates both property and liability sections of a policy

Distinguish negligence, strict liability, and intentional tort theories and select the applicable theory for six claim narratives

Apply the comparative and contributory negligence rules to reduce or bar recovery in four multi-party scenarios

Explain absolute and total pollution liability exclusions plus the standard exceptions in your own words

Assess additional insured and certificate-of-insurance issues that arise when a claim names multiple parties

Outline the difference between occurrence and claims-made triggers and place three losses on the correct trigger timeline

Break down the personal auto policy parts (liability, medical payments, uninsured/underinsured motorist, physical damage) and state what each part pays for

Compare tort threshold and no-fault systems and predict how each affects who pays a given injury claim

Sequence the claim handling lifecycle from first notice of loss through subrogation and closure, listing the required action at each stage

Practice documenting a recorded statement outline and a reservation-of-rights letter structure

Detect fraud indicators in first-party physical damage and injury claims and state the referral triggers in writing

Calculate reserves for indemnity and expense on three open claims and justify each reserve adjustment

Apply salvage, subrogation, and total-loss valuation rules (including betterment and prior damage deductions) to two vehicle losses

Explain good-faith claim conduct obligations and identify five acts that could support a bad-faith allegation

Define indemnity, insurable interest, utmost good faith, and subrogation and apply each principle to a concrete claim example

Interpret the declarations, insuring agreement, conditions, and exclusions pages of a specimen policy and locate five key provisions by section

Differentiate representations, warranties, and concealment and explain how each affects policy enforceability

Summarize the purpose of standard policy conditions such as appraisal, proof of loss, and suit limitations

Explain the exclusive remedy doctrine and identify the four conditions a workers' compensation claim must satisfy

Classify disability benefit types (temporary total, permanent partial, permanent total, death) and compute a benefit example for each

Outline the employer's reporting obligations and the compensability investigation steps for a disputed claim

Identify Alabama-specific requirements for claim handling, licensing, and unfair claim settlement practices and note where they diverge from general practice

Complete a timed 100-question cumulative practice exam and score by domain to expose weak areas

Re-teach your three lowest-scoring domain objectives by writing short explanations for each

Reconcile all prior deliverables into a single indexed study binder for rapid final review

Recite from memory the exam weights, core coverage triggers, and the claim lifecycle steps without notes