Free Public Adjuster Practice Test by State 2026: 4,500+ Questions
Video
Under New York law, who does a public adjuster represent?
Ny Pa Licensing
Question · Easy
The river took my couch
Short
Free public adjuster licensing practice tests for 45 states in 2026. Over 4,500 questions on insurance claims, policy interpretation, damage assessment, and state regulations.
Blog
Release
Adjusting Losses
Flashcard
Which New York statute governs the licensing and regulation of public adjusters?
Instrument backed by approved sureties that a public adjuster applicant must post with New York in the amount of $1,000.
Insurance Regulation
Guess the Term
Chapter 1: New York Regulatory Framework & Public Adjuster Licensing
1.1 NY DFS Authority, Adjuster Classifications & Scope of Practice
Study guide
Cheat sheet
What is the surety bond amount required for a New York public adjuster license?
Read the clue and guess the term in 6 tries.
Game
Public adjuster fee cap (Regulation 10)
Which state agency oversees public adjuster licensing in New York?
2002 federal statute, reauthorized in 2019, that created a shared public-private compensation program for certain certified catastrophe losses.
How many hours of pre-licensure education must a NY public adjuster applicant complete?
Parts of a policy
Insured's right to cancel a compensation agreement
What experience exemption exists for the 40-hour pre-licensing education requirement for a NY public adjuster license?
Question · Medium
Kind of claim settlement practice that New York bans when an insurer fails, without just cause and as a general business practice, to set reasonable prompt-investigation standards.
1.2 Qualifications, 40-Hour Pre-Licensing, Character References & Bonding
How many character references must a NY public adjuster applicant provide?
Swap tiles to line up three of the same term.
Term Match
Abandonment of damaged property
What is a key requirement for the five character references for a NY public adjuster applicant?
Uncertainty about the possibility of harm from a danger that insurance covers.
Insurance Basics
When do New York public adjuster licenses expire?
$100,000 fire claim. What does insurance pay?
Contract of adhesion
How many continuing education credit hours must a NY public adjuster complete each biennial licensing period?
Cause of a loss, such as lightning or windstorm.
1.3 License Maintenance: Biennial Renewals, 15-Hour CE & Disciplinary Penalties
Under N.Y. Ins. Law Section 2102(a)(1), what is prohibited regarding adjusting without a license?
Ny Pa Regulations
Flip two cards at a time to find matching terms.
Term Pairs
Aleatory contract
Under N.Y. Ins. Law Section 2108(a)(3), what specific prohibition exists for adjusters?
Condition that raises the chance or seriousness of a loss.
Under N.Y. Ins. Law Section 2101(g)(2), a 'public adjuster' is defined as a person who does what?
Utmost good faith / representations
Under NY DFS Opinion 11-08-03, does a person need a public adjuster license to negotiate bodily injury claims?
Question · Hard
Signed and sworn ___ of loss stating the amount claimed under a property policy.
Chapter 2: Regulation 10 Practice Standards, Compensation, Privacy & Federal Rules
2.1 Solicitation Restrictions & Prohibited Conduct
What is the penalty for acting as a public adjuster without a license in New York?
Find five hidden terms in a grid of letters.
Term Search
Insurable interest (property insurance)
Under 11 NYCRR Section 25.3(a), what solicitation restriction applies to NY public adjusters?
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