19. If the insurer makes a loss payment to a person who has a right to recover

damages from a negligent third party, the insurer has what legal right against

that third party?

	1. A legal right of estoppel.
	2. A legal right of salvage.
	3. A legal right of subrogation.
	4. A legal right of loss mitigation.

20. Which of the following individuals might need the homeowners ordinance or

law - increased amount of coverage endorsement (HO 04 77) to a

homeowners policy?

	1. A person who owns a home in an older neighborhood.
	2. A person who owns a home in an historical area.
	3. A person who owns a home in a recently re-zoned neighborhood.
	4. All of the above.