Texas Claims Adjuster

Under Texas Insurance Code Chapter 4101, what is the definition of an 'adjuster'?

• AOnly a person who sells insurance policies
• BA person who investigates or adjusts losses on behalf of an insurer, or supervises the ha…
• COnly a person who appraises property
• DOnly an attorney handling insurance cases

Which Texas agency regulates insurance claims adjusters?

• ATexas Workforce Commission
• BTexas Department of Insurance (TDI)
• CTexas Attorney General's Office
• DTexas Comptroller of Public Accounts

What types of adjuster licenses does Texas offer under 28 TAC § 19.602?

• AOnly property adjuster and casualty adjuster
• BAll Lines, Property/Casualty/Surety, and Workers' Compensation/Employer's Liability/USL&H
• COnly public adjuster and independent adjuster
• DOnly fire and auto adjuster

What is the Texas All Lines Adjuster license?

• AA license for property claims only
• BA comprehensive license that combines Property/Casualty/Surety with Workers' Compensation…
• CA license for life insurance claims only
• DA temporary emergency license

What is the minimum age requirement for a Texas adjuster license?

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

What pre-licensing education is required for a Texas adjuster license?

• ANo pre-licensing education required
• BA state-approved 40-hour pre-licensing course
• CA 20-hour online course only
• DA 4-year college degree

Under 28 TAC § 19.602(b), which professional designations exempt an applicant from the Texas adjuster licensing examination?

• AMBA and JD only
• BCPCU (Chartered Property Casualty Underwriter) and AIC (Associate in Claims)
• CCPA and CFA
• DARM and ALCM only

Does Texas require fingerprinting for adjuster license applicants?

• ANo fingerprinting is required
• BYes, all adjuster applicants must submit fingerprints for a background check through TDI'…
• COnly for nonresident applicants
• DOnly for public adjuster applicants

Under Texas Insurance Code § 4101.059, what continuing education is required for license renewal?

• ANo CE required
• BParticipation in a continuing education program under Chapter 4004
• C48 hours annually
• DOnly ethics courses

Under 28 TAC § 19.602(d), what happens if an adjuster's license has been expired for more than 90 days?

• AThe license automatically renews
• BThe adjuster may not renew and must apply for a new license
• CThe adjuster gets a 6-month grace period
• DThe adjuster can continue working while renewing

Under 28 TAC § 19.602(e), what must an adjuster do if their license has been expired for one year or more?

• APay a late renewal fee
• BSubmit to re-examination (unless exempt) in addition to submitting a new application
• CWait another year before reapplying
• DObtain a temporary license first

What does Texas Insurance Code § 4101.001(a)(4) define as 'home state' for an adjuster?

• AThe state where the adjuster was born
• BThe state where the adjuster maintains principal place of residence or business and is li…
• CAny state where the adjuster holds a license
• DThe state where the adjuster's employer is headquartered

What is the Designated Home State (DHS) adjuster license in Texas?

• AA license for Texas residents only
• BA special non-resident license for individuals who reside in states that do not license a…
• CA temporary emergency license
• DA license for public adjusters only

What type of emergency license does Texas offer for adjusters?

• ANo emergency license is available
• BA 90-day emergency (catastrophe) license
• CA 180-day emergency license
• DA permanent emergency license

What information must be included on a Texas adjuster's license under § 4101.058?

• AOnly the adjuster's name
• BThe adjuster's name, business address, issuance and expiration dates, and the name of the…
• COnly the license number
• DOnly the adjuster's photo

Under Texas Insurance Code § 4101.054, which of the following applicants is exempt from the adjuster licensing examination?

• AAny person with a college degree
• BA person licensed as an adjuster in another state with a reciprocal agreement
• CA person with 5 years of insurance experience
• DAny person recommended by an insurer

Texas is one of the top states for claims adjusters due to which major natural disaster risk?

• AEarthquakes
• BHurricanes, particularly along the Gulf Coast, creating massive demand for catastrophe ad…
• CBlizzards
• DVolcanic eruptions

Besides hurricanes, what other natural disasters commonly affect Texas property claims?

• AOnly earthquakes
• BHailstorms, tornadoes, floods, and wildfires
• COnly blizzards
• DOnly drought

What is the principle of indemnity in insurance?

• AThe insured should profit from claims
• BThe insured is restored to the pre-loss financial position without profit — insurance com…
• CThe insurer must always pay the maximum
• DClaims are paid at double the loss amount

What is 'subrogation' in insurance?

• AThe insured's right to cancel
• BThe insurer's right to pursue recovery from a third party who caused the loss after payin…
• CThe right to increase premiums
• DThe right to switch insurers

What is 'insurable interest' in property insurance?

• AThe insurance premium paid
• BA financial interest in the preservation of property such that the owner would suffer los…
• CThe agent's commission
• DThe amount of the deductible