West Virginia Adjusters Practice Exam 2025 – All-in-One Guide to Master Your Adjuster Certification!

The correct answer is Teddy, who was rejected by every private insurer he talked to in the last three months because of the high risk of riots and vandalism in his area.

The FAIR Plan (Fair Access to Insurance Requirements) provides coverage for people who are unable to obtain insurance through more traditional means, specifically those who have been denied coverage by private insurers due to their high-risk circumstances. In Teddy’s case, the high risk associated with riots and vandalism is a valid reason for being rejected, making him eligible for the FAIR Plan that is designed precisely to provide coverage for individuals in such situations.

The other individuals listed do not meet the criteria for the FAIR Plan. Andrea’s situation, having recently moved and reported the change, does not inherently make her eligible for the FAIR Plan, as eligibility is based on being denied coverage due to risk factors. Benjamin, whose parent's home was flooded, does not apply for coverage under the FAIR Plan for current insurance needs; rather, flooding is typically covered under other types of policies that would not be addressed by the FAIR Plan eligibility criteria. Lastly, Barbara’s need for money to submit her adjuster license application does not relate to insurance coverage under the FAIR Plan, as it concerns a procedural cost rather than eligibility for