10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
The WV-PC exam has 150 questions and runs 3 hours 30 minutes.
These 10 free WV-PC questions are organized by exam domain, so you can see how each part of the West Virginia Property & Casualty Insurance Producer Exam blueprint is tested. Reveal the answer and explanation under each question.
An owner-occupant wants the dwelling, detached garage, and unscheduled household contents insured on an open-peril basis, subject to exclusions. Which homeowners form satisfies those specifications?
Correct answer: D - HO-5 Comprehensive Form
A supply line ruptures overnight, and water is still spreading through a covered retail building when the owner arrives. Before the adjuster can inspect, the most appropriate immediate response is to:
Correct answer: B - Stop the water, mitigate further damage, preserve evidence, and promptly notify the insurer
A building owner has used only 25% of a commercial building for customary operations during the 75 days before vandals damage it. The building is not under construction or renovation. Under the standard commercial property vacancy condition, how is the vandalism loss treated?
Correct answer: B - The vandalism damage is not paid
A commercial building is worth $800,000 at the time of loss and carries an 80% coinsurance clause. The insured has a $480,000 limit, sustains a $120,000 covered loss, and has a $2,000 deductible. What amount is payable?
Correct answer: A - $88,000
After unusually rapid surface-water runoff, a temporary inundation affects the insured's lot and one neighboring property. The total flooded area is only 0.8 acre. Which statement best applies the National Flood Insurance Program definition of flood?
Correct answer: C - It can qualify because two properties are inundated and one is the insured property
An insurer and policyholder agree that a kitchen fire is covered, but they disagree sharply over the reasonable cost to repair the damaged cabinets and flooring. The appropriate policy process is:
Correct answer: D - Appraisal to determine the amount of loss
A fire closes a consulting firm's office. The next morning, the firm rents temporary space and equipment so employees can continue serving clients. Which coverage responds to that immediate added cost?
Correct answer: A - Extra expense coverage
Two months after a plumbing contractor finishes a job, a defective valve installed by the contractor fails. The valve must be replaced, and escaping water damages the customer's hardwood floor. Under standard CGL business-risk principles, the most accurate coverage analysis is:
Correct answer: C - The valve itself may be excluded, while resulting damage to the floor may be covered
A claims-made professional liability policy runs from January 1, 2025, through January 1, 2026, with a January 1, 2024 retroactive date. A claim is first made in June 2025 over an act committed in December 2023. Assuming no prior-acts endorsement, why does the claim fall outside the policy?
Correct answer: B - Not covered because the act occurred before the retroactive date
While swerving to avoid a deer, a driver loses control and the insured auto overturns without striking the animal. Under standard personal auto physical-damage definitions, the loss is classified as:
Correct answer: D - Collision, because overturn is expressly a collision loss
The WV-PC exam also covers these domains. Drill them in the full free practice test:
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