Claims Adjuster Practice Exam 2026 - Free Claims Adjuster Practice Questions and Study Guide

Direct loss from water is covered when it results from broken plumbing. This type of incident typically involves water escaping from pipes due to breaks or leaks, which is often considered sudden and accidental. Insurance policies generally cover such sudden incidents under standard homeowners or property insurance, as they fall within the scope of unexpected occurrences that cause direct damage to the property.

In contrast, flooding usually refers to water that rises from external sources and is often excluded under standard homeowner policies unless specific flood insurance is purchased. Mechanical failure, while it might involve water, does not pertain to a sudden event causing direct loss in the same manner as plumbing issues. Rainwater leakage can also be problematic because it may result from gradual issues such as roof deterioration, which is often not covered due to being categorized as maintenance-related rather than an unexpected event. Thus, broken plumbing is the clear situation in which direct loss from water would be covered under a typical insurance policy.