Hail Prep Quiz – This is just a test

#1. When counting hail loss on cereals:

Only the main stem is counted, no tillers are considered.

The main stem is counted as 50% of the yield potential of the plant.

The main stem and all tillers that would normally produce seed are counted.

The main stem and all tillers are considered

#2. Injury by causes other than hail. No claimant shall be entitled to indemnity under the policy when:

the crop is wholly destroyed by any causes other than hail; or

the crop is over-ripe; or

the crop or any portion thereof has been so injured by causes other than hail that the crop or such portion, as the case may be, would not yield profit over and above the actual cost of cutting, threshing and marketing it; or

all of the above

#3. The process of counting a hail loss:

Should never be disclosed to a farmer because they may use it against another adjuster in the future.

Should be demonstrated to every producer.

Is only accurate for ripe crops.

Is only used by inexperienced and training adjusters

#4. When a crop is in the swath and it receives hail most of the damage will occur:

To the bottom of the swath

Part of the swath on the side from which the storm came

Part of the swath away from the storm

Next to shelter belt

#5. Any information received from an insured during the course of an inspection should be:

Shared with your fellow inspectors

Shared with your spouse

Reported to the police

Treated as confidential

#6. If canola is severely damaged by hail in the seedling stage, such that 50% of the seedlings do not survive

The actual yield loss will be minimal because the remaining plants will compensate

The subsequent yield loss will be approximately 50%

The crop is virtually destroyed and should be assessed 100% loss

Advise the customer to reseed the field

#7. In a mustard crop, you adjust breaks/pods on and off total percentage to be 32%. You then take 20 pods and count 160 total seeds with 16 seeds destroyed. The total percentage of loss to be paid is:

38.8%

41.5%

45%

41.8%

#8. All Hail Adjuster Only licences shall continue in force indefinitely, unless suspended or cancelled, and shall have a common reporting date known as the “Annual Reporting Date”. The Annual Reporting Date is:

January 1

April 30

June 1

December 31

#9. If a farmer disputes an assessment the adjuster should

Try to negotiate a mutually acceptable settlement.

Immediately withdraw from the claim and hand it over to a supervisor.

Do more counts to ensure the assessment is correct while demonstrating the count process to the customer.

Leave a blank proof of loss having the farmer demonstrate what the loss is

#10. Which of the following is not a condition caused by hail:

Empty heads

Low Hangers

High Hangers

Crinkle joint

Cut offs

#11. When adjusting a hail loss you are faced with the task of applying the loss to the residue.• Residue:

Decreases as crop loss increases

Is percentage of crop remaining after a count is taken

Is the percentage of crop remaining after a previous storm

All of the above

#12. Upon meeting adjusters from other companies in the field or in the motel you should:

Cooperate with them in a courteous, conscientious and unbiased manner with respect for confidentiality

If asked for information tell them it is none of their business

Lie to them

Call your supervisor

Do as you please

#13. If a hailed plant is subsequently affected by disease:

The entire loss of yield due to both disease and hail should be counted

It is impossible to differentiate between the loss due to hail and the loss due to disease

Only the loss due to hail injury should be paid

The disease was caused by hail

#14. Using the plant assessment method (point system), an adjuster examined 50 canola plants. Thirty-five (35) plants had no damage. The loss on each of the 15 remaining plants is as follows

12.1%

17.9%

40.3%

6.5%

#15. A wheat crop is hailed in the soft dough stage. It is adjusted when fully ripe. The high hangers, which contain seeds

Are assessed a factor of 0.5.

Are all counted as recoverable as the crop is now ripe and any hanger will be harvested

Should be counted as lost because they probably did not mature.

Should be counted as a total loss because they probably will break off before harvest

#16. If a wheat crop is severely damaged at the early flag leaf stage

The maturity of the plants will be delayed several weeks because the plants must “start over”

There is unlikely to be payable damage because the plants almost always fully recover

There will be some yield loss due to the plant injury, but the maturity will not be significantly delayed because the plant is physiologically ready to produce seed

It is very unlikely that the plants will ever recover

#17. In wheat, a white colored head with no kernels is

Usually the result of hail

Indicated the presence of Diamond Back Moths

Is often caused by wheat midge

Is often caused by wheat stem maggot

#18. Correction lines

Are adjustments in the land survey system

Correct for the curvature of the earth

Were designed to create equal parcels of land

All of the above

#19. An applicant must pass the Hail Adjusters Licensing Examination with a mark of not less than

65%

75%

60%

50%

None of the above

#20. The “cut line” is defined as:

The point on the plant where hail has cut off the stem

Eight inches above the ground

The height at which the crop will normally be cut during the harvest process

The second township line north of the 49th parallel and every fourth township line thereafter

#21. An adjuster is working a claim with an insured who knows you were out the day before, with his neighbour, adjusting the adjacent field. He asks the adjuster, “What did my neighbour get paid?” The adjuster should

Tell the farmer the exact percentage of loss he found

Give the client a •ball park” figure to appease him·

Explain that under no circumstances can he give out the information_ without the clients consent. This information is confidential.

Explain that because hail damage can vary significantly from one field to the next it is best for him to not say

#22. If a cereal crop is hit in the sheath (boot):

Will result in zero loss.

Will usually result in aborted or empty heads.

Some of the kernels in the head may not fill; therefore the adjustment should be deferred until the actual loss can be counted.

The head may be kinked and should be counted as a total loss

#23. If a cereal crop receives hail before swathing, and the farmer is ready to swath the crop before it can be adjusted, he should be advised:

To go ahead and swath the crop as the damage can be accurately assessed from the swath.

leave all the crop standing until an adjuster can assess the loss

To leave standing check strips as it is impossible to accurately adjust from the swath.

To leave standing check sbips as the swathing process will cause additional shatter damage.

#24. A canola crop receives hail in June and the adjuster pays 20% of loss on this storm. The same crop suffers a second storm in the swath and the adjuster counts 40%shatter loss. The total award from both storms is:

40%

60%

52%

32%

#25. When counting a loss it is absolutely vital for the adjuster to know:

The insured’s interest in the crop.

The stage of growth of the crop at the time of the hail.

Whether the crop is on summer fallow or stubble.

The growing conditions prior to the hail and prior to your adjustment

#26. If canola receives hail in the flower stage, such that all flower petals are removed:

The loss will be extensive, as those florets will not form pods.

On average 50% of the florets will not form pods.

The damage will be minimal, as the presence of flower petals does not influence the subsequent presence of a pod.

The loss of petals should ignored. The damage is insignificant.

#27. A hail claim has gone to appraisal and an umpire has been appointed. It is the role of the umpire to:

Arbitrate a settlement

Make his own counts and ask one of the appraisers to agree with him

Make his own determination of the loss and then choose the closest appraisers award

Insure that both appraisers are being reasonable so the claim is settled fairly

#28. An applicant is entitled to attempt the Hail Adjusters Licensing Examination how many times in a six month period.

Twice

Three times

Once

6 times

None of the above

#29. In a crop of hard spring wheat that was hailed while ripe, what would be the proper adjusting procedure?

breaks, defoliation, high hangers, shatter loss

breaks, matched heads

breaks, high hangers, shatter loss

breaks, matched heads, high hangers, shatter loss

#30. When assessing hail damage prior to the seed bearing stage of any crop, if the damage cannot be accurately determined the adjuster should:

Assess a percentage for unseen damage

Call in a supervisor to assess the claim

Give the farmer the benefit of the doubt and assess the loss as close as possible

Defer the claim until after seed development

#31. In preparation for an adjustment

Contact the policyholder a day or two prior to the adjustment Do not arrive unannounced.

Visit the local agent(s) to inform of your arrival. Offer assistance and inquire as to further claims in the area.

Map all files prior to starting.

All of the above

#32. One section of land is:

1 square mile

640 acres

4 quarters

All of the above

#33. The most important qualities an adjuster must display are:

An honest and impartial assessment of the loss.

Empathy and courtesy toward the insured.

Both a) and b) above.

A complete and thorough knowledge of the Hail Adjuster Bylaws

#34. The role of the adjuster is:

Determine the actual loss due to hail as accurately as possible.

Save the company from paying excessive losses

Give the farmer as much as possible without obviously overpaying the claim.

Settle the loss on the basis of returning sales for future year

#35. Shatter loss to a cereal crop cannot take place when the crop is:

Hailed in the grass stage

Hailed in the soft dough stage

When the crop is over ripe

Hailed In the boot stage

Crop is in the swath

#36. The minimum number of counts according to the adjusting manual is:

I count for 10 acres

1 count for 20 acres

I count for 25 – 40 acres

I count for 80 acres

#37. One of the best ways to convince a farmer of the accuracy of your adjustment is:

Convince him that you are the professional

Demonstrate how you arrived at your adjustment

Tell him that if he disputes, your supervisor will lower the assessment

You grew up on a farm and have grown this crop before

#38. If the adjuster is finding highly variable damage:

The counts should be averaged to determine the loss.

The highest count should be recorded as the loss.

More counts than usually required should be done to arrive at the loss.

Walk away and defer the claim to a later date

#39. Where the actual acreage of the crop insured under any item of the policy is found to be significantly less than the acreage mentioned in the application under such item, the insurer shall:

Increase the liability on the actual acreage to equal the total amount of insurance for which the applicant has paid premium

Repay to the insured the premium paid on the excess acreage

Keep the overall premium as a penalty

None of the above

#40. A claim is filed on spring wheat and you are sent out to adjust the loss approximately two weeks. Later. Given the following information, determine which percentage most closely approximates the expected loss: Storm Date August 15th; Hard dough stage at time of storm; 18 low breaks from hail; 6 high breaks from hail; 20 kernels missing in ten heads(Average head size is 30 kernels per head)

29%

26%

31%

23%

#41. The average insured probably has not read the insurance policy. Therefore, the adjuster:

Should be prepared for an argument on every claim.

Must give each producer a copy of the company policy.

Should be familiar with the company policies and procedures and be prepared to explain them to the farmer.

All of the above

#42. The wheat crop is considered to be in the “bloom” stage when:

At least 50% of the heads are fully emerged from the boot with less than 10% of the heads showing signs of bloom.

At least 50% of all the emerged heads are showing signs of bloom

All the heads have bloomed or are showing signs of bloom

25% of the heads are fully emerged and anthers become visible outside of the glumes

#43. If canola receives hail in the rosette (cabbage) stage, such that 100% of the leaf material is destroyed.the resulting yield loss will be:

100%

25%

12.5%

0

#44. The term “township” refers to a parcel of land whose boundaries are called range and township lines. Townships generally are:

thirty-six square miles in area

west of each meridian

one hundred square miles in area

twelve square miles in area

#45. The lack of a seedpod on canola

Is almost always the result of hail

Is almost always the result of insects

Can occur naturally for a variety of reasons

Indicates a genetically modified variety

#46. If a producer must harvest a swathed field prior to the hail inspection, the required evidence for an 80acre field is

Three, 20 foot pieces of undisturbed swath on each side of the field, approximately 100 feet in from the edge of the field.

One round around the entire field, approximately 100 feet in from the edge of the field.

A 20 foot strip of undisturbed swath every 100 yards around the entire field, approximately 100 feet in from the edge of the field.

An undisturbed swath as close as possible to down the center of the field

#47. The weather conditions following an early hail storm:

Have absolutely no bearing on the hail loss

Will always result in excellent plant recovery

Will influence the degree of plant recovery and therefore the hail assessment

Almost always is hot and dry, in which case injured plants will never fully recover and ultimately die.

#48. What is the legal Description of the shaded area below

East½, Section 21, Township 16,.Range 41, West 2

Very South ½, Section 28, Township 41, Range 16, West 2

North½ , Section 21, Township 41, Range 16, West 2

Section 21, Township 41, Range 16, East 1

#49. If hail damages two adjacent fields of the same type of crop:

The loss should be vary close to the same in each field

The adjuster may apply one count taken on the quarter line as a count for each field

The hail loss may be different due to different seeding dates or varieties of the crop

Both B and C

#50. In the event of a disagreement at any point during the adjustment of the loss

Stand your ground. Inform the farmer that you will not tolerate any further interruption. If there is any further disagreement, stop the procedure immediately and leave the field. Return as soon as possible to present a request for appraisal document.

Continue with the adjustment if at all possible. Count the loss accurately and record all documentation. At the conclusion of the adjustment of all fields, present your findings. As a last resort withdraw with dignity and consult superiors.

Inform the policyholder of the appraisal process and provide all information possible to assist the individual in solving the dispute in the best possible fashion.

Remain even tempered, even if the insured becomes abusive

#51. The average days to maturity for pulse crops such as lentils and chickpeas

Is highly variable depending on moisture and heat conditions

Generally mature before cereals

Rarely varies more than 10 days from year to year

Is longer on hot dry years

#52. A good adjuster will always:

Have a look at the fields before contacting the customer in order to “Ball Park” the loss

Contact the farmer to make an appointment before inspecting any fields

Check with the neighbors to see what type of individual he will be dealing with

Take another adjuster from another company with him

#53. The condition known as oat blast:

Is usually worse after a hail storm

Is caused by hail hitting the oat glume when it is green and immature.

Occurs naturally in oats as a result of the plant’s adjustment to growing conditions.

Occurs at the top of the oat plant

#54. If flax is hit by hail in the green boll stage:

Any boll hit by a hailstone will be totally destroyed.

The adjuster should cut open the boll to determine the seed loss.

The boll will completely recover and all seeds will remain intact.

The seed will turn dark red brown and die

#55. lf an adjuster from another company has paid a higher award the adjuster should

Take more counts to ensure an accurate assessment in an effort to settle the claim.

Immediately withdraw from the claim and tum it over to a supervisor.

Immediately match the other company awards to save face.

Average the adjusters numbers into your findings

#56. Generally a township is:

6 rods by 6 rods

6 kilometres by 6 kilometres

6 miles by 6 miles

6 acres by 6 acres

None of the above

#57. Before the first count is taken in a field, the adjuster should:

Ask the farmer what he feels the loss is

Check for evidence of hail

Ask what direction the storm came from

Have the farmer take you to the worst spot

#58. If the producer does not agree with the adjuster’s assessment that damage is a result of disease or insects, as opposed to hail, a good method for the adjuster to convince the producer is to:

Go to a field where the producer_ feels there has been no hail, which exhibits the same disease or insect symptoms

Show the producer that the disease or insect symptoms are on all sides of the plant while hail bruises are typically on the windward side of the plant.

Carry a good book that identifies and shows disease and insect damage.

All of the above.

#59. If a flax plant has one main stem and two secondary stems

The main stem will generally produce 50 – 60% of the seeds

Seed production will be equal on all three stems

Only the main stem will produce seeds

The main stem will generally produce 80% of seeds

#60. One method of distinguishing hail loss from wind damage in cereals is

With wind damage, all the broken stems face the same direction

Hail breaks will be at various levels while all windbreaks will be at the same height above the ground.

Hail breaks usually occur at a right angle to the stem, while windbreaks will be at a diagonal angle to the stem commonly known as a twist

Wind damage usually occurs at ground level

#61. The standard stages of crop growth should be understood and used by all adjusters. If sixty percent of the crop is in the boot stage and forty percent just headed, you would use the term:

Blossom Stage

Jointing to boot stage

Boot to just headed stage

Just Headed

#62. 70. An alternative to counting the actual stern and pod loss on canola is the “point” or plant assessment” method. This method:

Is a comparison of the amount of plant material removed by hail, compared to the original amount of plant material.

Is a comparison between plants in the damaged field to plants in an undamaged field.

Is inaccurate, unless used when plants are mature.

Should only be used in the ear1y podded stage

#63. The condition known as oat blast:

Is usually worse after a hail storm

Is caused by hail hitting the oat glume when it is green and immature.

Occurs naturally in oats as a result of the plant’s adjustment to growing conditions.

Occurs at the top of the oat plant

#64. On a township map what section is immediately north (N.) of section 33:

28

34

32

4

#65. A field is adjusted for damage sustained during a hail storm and the counts on one half of the field are 91 % and higher, you:

Should adjust the rest of the field and average the counts on the whole field

Should count the acres adjusted at 91% and over and pay them at 100%.

Should pay the whole field at 100%

d) See which gives you the highest loss percentage from a) and b) above and pay that to the farmer as it gives the farmer the benefit of the doubt

#66. The western grid system of land description is known as the:

Accu Land System

Dominion Land Survey System

Cross Hair Land Description

Canadian Grid Guide System

#67. When do you pay for high hangers in the swath:

Never

Always

Paid for on the basis of the stage of growth at the time of the storm

Only if it is a second loss and the crop was swathed before the second adjustment

The Sample Hail Exam (Practice Quiz)

Results

#1. When counting hail loss on cereals:

#2. Injury by causes other than hail. No claimant shall be entitled to indemnity under the policy when:

#3. The process of counting a hail loss:

#4. When a crop is in the swath and it receives hail most of the damage will occur:

#5. Any information received from an insured during the course of an inspection should be:

#6. If canola is severely damaged by hail in the seedling stage, such that 50% of the seedlings do not survive

#7. In a mustard crop, you adjust breaks/pods on and off total percentage to be 32%. You then take 20 pods and count 160 total seeds with 16 seeds destroyed. The total percentage of loss to be paid is:

#8. All Hail Adjuster Only licences shall continue in force indefinitely, unless suspended or cancelled, and shall have a common reporting date known as the “Annual Reporting Date”. The Annual Reporting Date is:

#9. If a farmer disputes an assessment the adjuster should

#10. Which of the following is not a condition caused by hail:

#11. When adjusting a hail loss you are faced with the task of applying the loss to the residue.• Residue:

#12. Upon meeting adjusters from other companies in the field or in the motel you should:

#13. If a hailed plant is subsequently affected by disease:

#14. Using the plant assessment method (point system), an adjuster examined 50 canola plants. Thirty-five (35) plants had no damage. The loss on each of the 15 remaining plants is as follows

#15. A wheat crop is hailed in the soft dough stage. It is adjusted when fully ripe. The high hangers, which contain seeds

#16. If a wheat crop is severely damaged at the early flag leaf stage

#17. In wheat, a white colored head with no kernels is

#18. Correction lines

#19. An applicant must pass the Hail Adjusters Licensing Examination with a mark of not less than

#20. The “cut line” is defined as:

#21. An adjuster is working a claim with an insured who knows you were out the day before, with his neighbour, adjusting the adjacent field. He asks the adjuster, “What did my neighbour get paid?” The adjuster should

#22. If a cereal crop is hit in the sheath (boot):

#23. If a cereal crop receives hail before swathing, and the farmer is ready to swath the crop before it can be adjusted, he should be advised:

#24. A canola crop receives hail in June and the adjuster pays 20% of loss on this storm. The same crop suffers a second storm in the swath and the adjuster counts 40%shatter loss. The total award from both storms is:

#25. When counting a loss it is absolutely vital for the adjuster to know:

#26. If canola receives hail in the flower stage, such that all flower petals are removed:

#27. A hail claim has gone to appraisal and an umpire has been appointed. It is the role of the umpire to:

#28. An applicant is entitled to attempt the Hail Adjusters Licensing Examination how many times in a six month period.

#29. In a crop of hard spring wheat that was hailed while ripe, what would be the proper adjusting procedure?

#30. When assessing hail damage prior to the seed bearing stage of any crop, if the damage cannot be accurately determined the adjuster should:

#31. In preparation for an adjustment

#32. One section of land is:

#33. The most important qualities an adjuster must display are:

#34. The role of the adjuster is:

#35. Shatter loss to a cereal crop cannot take place when the crop is:

#36. The minimum number of counts according to the adjusting manual is:

#37. One of the best ways to convince a farmer of the accuracy of your adjustment is:

#38. If the adjuster is finding highly variable damage:

#39. Where the actual acreage of the crop insured under any item of the policy is found to be significantly less than the acreage mentioned in the application under such item, the insurer shall:

#41. The average insured probably has not read the insurance policy. Therefore, the adjuster:

#42. The wheat crop is considered to be in the “bloom” stage when:

#43. If canola receives hail in the rosette (cabbage) stage, such that 100% of the leaf material is destroyed.the resulting yield loss will be:

#44. The term “township” refers to a parcel of land whose boundaries are called range and township lines. Townships generally are:

#45. The lack of a seedpod on canola

#46. If a producer must harvest a swathed field prior to the hail inspection, the required evidence for an 80acre field is

#47. The weather conditions following an early hail storm:

#48. What is the legal Description of the shaded area below

#49. If hail damages two adjacent fields of the same type of crop:

#50. In the event of a disagreement at any point during the adjustment of the loss

#51. The average days to maturity for pulse crops such as lentils and chickpeas

#52. A good adjuster will always:

#53. The condition known as oat blast:

#54. If flax is hit by hail in the green boll stage:

#55. lf an adjuster from another company has paid a higher award the adjuster should

#56. Generally a township is:

#57. Before the first count is taken in a field, the adjuster should:

#58. If the producer does not agree with the adjuster’s assessment that damage is a result of disease or insects, as opposed to hail, a good method for the adjuster to convince the producer is to:

#59. If a flax plant has one main stem and two secondary stems

#60. One method of distinguishing hail loss from wind damage in cereals is

#61. The standard stages of crop growth should be understood and used by all adjusters. If sixty percent of the crop is in the boot stage and forty percent just headed, you would use the term:

#62. 70. An alternative to counting the actual stern and pod loss on canola is the “point” or plant assessment” method. This method:

#63. The condition known as oat blast:

#64. On a township map what section is immediately north (N.) of section 33:

#65. A field is adjusted for damage sustained during a hail storm and the counts on one half of the field are 91 % and higher, you:

#66. The western grid system of land description is known as the:

#67. When do you pay for high hangers in the swath: