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California Insurance Exam Prep
California Insurance Exam Prep
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Chapter 11
Government/Risk Pools for Catastrophic Events
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The duty to offer earthquake coverage
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Who gets the earthquake offer, and what the minimum offer includes
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The California Earthquake Authority (CEA)
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What the CEA policy disclosure warns
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Earthquake deductibles vs. homeowners deductibles
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The California FAIR Plan: market of last resort
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FAIR Plan: the two types of areas, and who may apply
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What basic property insurance means (§10091(c))
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FAIR Plan perils and the DIC policy
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NFIP: what counts as a flood
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NFIP: eligible property, what the policy pays, and claim rules
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NFIP: Emergency vs. Regular Program, limits, and mandatory purchase
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Selling NFIP flood insurance: who can, binding, and flood training
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