Arizona Adjuster Practice Exam

If an Arizona Special Provisions form does not modify a homeowners policy provision, what occurs?

1. The provision is ignored

2. The provision is altered

3. The provision applies as written

4. The provision becomes obsolete

The correct answer is: The provision applies as written

The correct answer is that the provision applies as written. In the context of homeowners insurance in Arizona, a Special Provisions form is designed to modify certain terms and conditions of the standard policy. If a specific provision in the homeowners policy is not addressed or modified by the Special Provisions form, it means that the original terms of the homeowners policy remain intact and enforceable. This adherence to the original wording ensures that policyholders continue to benefit from the protections and clauses outlined in their policy, which were initially agreed upon at the time of purchase. Thus, any provision not specifically altered by the Special Provisions form retains its original effect and is applicable as intended in the original policy document.