South Carolina Claims Adjuster

Under South Carolina Code § 38-91-20(A) (Act 209 of 2026), who must be licensed as an adjuster in South Carolina?

• AOnly independent contractors
• BAny individual adjusting losses for an insurer licensed to do business in the state
• COnly public adjusters
• DOnly out-of-state adjusters

Which South Carolina agency regulates insurance adjusters?

• ASouth Carolina Department of Commerce
• BSouth Carolina Department of Insurance (SCDOI)
• CSouth Carolina Attorney General's Office
• DSouth Carolina Department of Revenue

What chapter of the South Carolina Code of Laws now governs insurance adjusters after Act 209 of 2026?

• ATitle 38, Chapter 45
• BTitle 38, Chapter 91
• CTitle 38, Chapter 49
• DTitle 38, Chapter 51

What qualifications must the Director of Insurance satisfy before issuing an adjuster's license in South Carolina under § 38-91-20?

• AOnly that the applicant has paid the fee
• BThat the applicant is of good moral character, has sufficient insurance knowledge, has no…
• COnly that the applicant has work experience
• DOnly that the applicant has a college degree

Under S.C. Code § 38-91-20(A), can a license be issued to a nonresident adjuster from a state that refuses to license South Carolina adjusters?

• AYes, all nonresidents are licensed equally
• BNo, no license may be issued to a nonresident adjuster who resides in a state refusing to…
• COnly with special permission
• DOnly on a temporary basis

What is the minimum age to apply for an adjuster's license in South Carolina?

• A16 years old
• B18 years old
• C21 years old
• D25 years old

What is the individual adjuster license fee under S.C. Code § 38-91-20(E), and when must licenses be renewed?

• A$50, renewed annually
• B$100 for an individual adjuster license, renewed biennially by August 31 of odd-numbered…
• C$150, renewed every three years
• D$200, renewed in January of even years

Under S.C. Code § 38-91-70, what must most adjuster applicants do to demonstrate sufficient knowledge?

• ASubmit a resume only
• BPass a written examination testing adjuster duties and South Carolina insurance laws and…
• CComplete an apprenticeship only
• DProvide three professional references only

Under S.C. Code § 38-91-80(B) (Act 209 of 2026), which professional designation exempts an adjuster applicant from the written examination?

• AMBA or JD alone
• BChartered Property and Casualty Underwriter (CPCU)
• CCPA or CFA
• DAny insurance industry certification

What passing score is required on the South Carolina adjuster licensing examination?

• A60 points
• B65 points
• C70 points
• D75 points

How many times may a South Carolina adjuster exam applicant retake the exam in a twelve-month period?

• A3 times
• B4 times
• C6 times
• DUnlimited

How long is the examination passing certificate valid in South Carolina?

• A6 months
• B12 months
• C18 months
• D24 months

Under S.C. Code § 38-91-30, what must an adjuster do within 30 days of changing required contact information?

• AFile a new license application
• BNotify the Department of the change in business, email, or residential address
• CNothing is required
• DWait until license renewal

Under SC Regulation 69-1, what happens when there are insufficient licensed adjusters in South Carolina to handle claims after a catastrophe?

• AClaims are suspended until more adjusters are licensed
• BNon-resident adjusters may enter the state to handle catastrophe adjustments without a SC…
• CThe federal government sends adjusters
• DInsurance companies must handle claims without adjusters

Who determines and announces when an emergency or catastrophe exists in South Carolina for emergency adjuster purposes?

• AThe Governor only
• BThe Department of Insurance
• CThe federal government
• DLocal fire departments

What must emergency adjusters carry in their possession at all times while adjusting in South Carolina?

• AOnly their driver's license
• BA copy of the appointment as emergency adjuster from the appointing insurer and the SCDOI…
• COnly a business card
• DOnly proof of insurance

Under S.C. Code § 38-91-90 (Act 209 of 2026), what continuing education requirements apply to licensed adjusters?

• ANo CE is required for any SC adjuster
• B24 hours biennially, including 3 hours of ethics; workers' compensation adjusters must in…
• C48 hours annually
• D12 hours annually with no ethics requirement

Under S.C. Code § 38-91-50, what requirements generally apply to nonresident adjuster applicants seeking a SC nonresident license?

• ANo requirements beyond paying a fee
• BMust be currently licensed as a resident adjuster in the home state, have passed an exam…
• COnly a letter from their home state DOI
• DOnly proof of CPCU designation

What chapter of the SC Code governs public adjusters after Act 209 of 2026?

• ATitle 38, Chapter 47
• BTitle 38, Chapter 92
• CTitle 38, Chapter 49
• DTitle 38, Chapter 50

Under S.C. Code § 38-92-130, which statement about a public adjuster contract is correct?

• AOral contracts are sufficient if the fee is under 10%
• BThe contract must be in writing and include required disclosures; the insured may rescind…
• CThe insurer must pay the public adjuster's fee directly as a covered claim expense
• DThe public adjuster may collect the entire fee from the insurer's first check even if lat…

Under SC law, what is the insured's rescission right on a public adjuster contract?

• ANo cancellation right exists
• BThe insured may rescind the contract in writing within five business days after the contr…
• CThe insured can cancel only if the claim is denied
• DThe insured must keep the contract for the entire claim duration

What is the principle of indemnity in insurance claims?

• AInsurance should provide a profit to the insured
• BInsurance restores the insured to their pre-loss financial position without profit
• CThe insurer must always pay the policy limit
• DClaims must be paid within 48 hours