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Exam Review

Key Facts: CA Public Adjuster Exam

70%

Passing Score

CA DOI

100 Q

Practice Questions

OpenExamPrep

165 min

Exam Time

PSI bulletin

24 hrs

CE Per Cycle

CA DOI

Bond

Surety Bond Required

CA DOI

California requires public adjusters to pass a state licensing exam, obtain a surety bond, and meet continuing education requirements. PAs represent policyholders in insurance claims, helping them navigate complex property damage and loss settlements.

Sample CA Public Adjuster Practice Questions

Try these sample questions to review concepts for the CA Public Adjuster exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 316+ question experience with AI tutoring.

1Under which California statute is the licensing of public insurance adjusters governed?
A.California Insurance Code Section 15007 (Public Insurance Adjusters Act)
B.California Civil Code Section 1750
C.California Business and Professions Code Section 7000
D.California Government Code Section 12900
Explanation: California Insurance Code Section 15007 defines a public insurance adjuster as a person who, for compensation, acts on behalf of an insured in negotiating or effecting the settlement of property insurance claims. The Public Insurance Adjusters Act (CIC Sections 15000-15062) governs all aspects of PA licensing and regulation.
2What is the minimum age requirement to obtain a public adjuster license in California?
A.16 years old
B.18 years old
C.21 years old
D.25 years old
Explanation: Applicants for a California public adjuster license must be at least 18 years of age. This is one of the basic eligibility requirements set by the California Department of Insurance (CDI) for all adjuster license types.
3Which California state agency regulates public insurance adjusters?
A.California Secretary of State
B.California Department of Insurance (CDI)
C.California Department of Consumer Affairs
D.California Attorney General's Office
Explanation: The California Department of Insurance (CDI), headed by the Insurance Commissioner, is responsible for the regulation, licensing, and oversight of all public insurance adjusters in the state. The CDI administers the Public Insurance Adjusters Act under CIC Sections 15000-15062.
4How much experience in the insurance adjusting field is required before applying for a California public adjuster license?
A.No experience required
B.1 year of experience
C.2 years of verifiable experience (4,000 hours of compensated time)
D.5 years of experience
Explanation: California requires applicants for a public adjuster license to have two years of verifiable experience in the insurance adjusting field, equivalent to 4,000 hours of compensated time. Alternatively, being licensed as an Apprentice Public Adjuster for 12 months satisfies this experience requirement.
5What is the amount of the surety bond required for a California public adjuster license?
A.$5,000
B.$10,000
C.$20,000
D.$50,000
Explanation: Under California Insurance Code Section 15033, public adjusters must post a $20,000 surety bond as a condition of licensure. The bond protects clients from financial harm due to fraudulent or negligent acts by the public adjuster. The bond must remain active for the duration of the license.
6How many questions are on the California public insurance adjuster licensing exam?
A.50 questions
B.75 questions
C.100 questions
D.150 questions
Explanation: The California public insurance adjuster licensing exam consists of 100 multiple-choice questions with a time limit of 2.5 hours. A passing score of 70% is required. The exam is administered at CDI's own examination sites (Sacramento, Los Angeles, San Francisco) or at PSI Services LLC test centers throughout California, and covers property loss adjusting topics per the CDI's Public Insurance Adjuster Examination Objectives.
7What passing score is required on the California public adjuster licensing exam?
A.60%
B.65%
C.70%
D.80%
Explanation: All adjuster and bail examinations in California require a score of 70% to pass. This threshold applies to the public insurance adjuster exam as well. The CDI notes that all producer license examinations require 60%, but adjuster exams specifically require the higher 70% threshold.
8How long is the term of a California public adjuster license before renewal is required?
A.1 year
B.2 years
C.3 years
D.4 years
Explanation: California public adjuster licenses are valid for a two-year term. The license term begins on the issuance date and ends on the last day of the same month two years later. The CDI sends email renewal instructions before the license expires.
9How many hours of continuing education (CE) must California resident public adjusters complete every two years?
A.12 hours
B.18 hours
C.24 hours, including 3 hours of ethics
D.36 hours
Explanation: Under CIC Section 15059.1(a), California resident public insurance adjusters must complete 24 hours of continuing education during each two-year license term, of which 3 hours must be in ethics. CE courses must be from CDI-approved education providers. (Section 14090.1 imposes the identical 24-hour/3-hour-ethics requirement on independent insurance adjusters, a separate license type under CIC Chapter 1.)
10What type of insurance claims do California public adjusters handle?
A.Only auto insurance claims
B.Only health insurance claims
C.First-party property insurance claims on behalf of policyholders
D.Third-party liability claims on behalf of insurers
Explanation: California public adjusters handle first-party property insurance claims, working exclusively on behalf of the insured (policyholder). They assist with claims for loss or damage under policies covering real or personal property, including homeowner's, commercial, and specialty property policies.

About the CA Public Adjuster Exam

The California Public Insurance Adjuster examination, given by the California Department of Insurance through PSI, has 100 multiple-choice questions based on standard (ISO) policy forms. Homeowners' insurance and commercial policies are 25% each, insurance regulation and the California Insurance Code 16%, insurance basics 10%, and dwelling coverage 8%; BOP, ocean marine, surety and fidelity, other coverages and pet insurance make up the rest.

Exam sponsor: California Department of Insurance. The requirements and fees below concern the certification or admission exam, separate from our free practice resources.

Questions

100 questions

Time Limit

165 minutes

Passing Score

70%

Exam / Certification Fees

$101 at a PSI test center or $68 at CDI's Los Angeles site

Exam sponsor website

Reported exam pass rate: 65%. estimated first-time pass rate This describes exam candidates, not OpenExamPrep users or results from using our resources. Exam sponsor website

Fees, eligibility, and exam policies can change. Confirm them with the exam sponsor before applying or paying.

Our practice resources: topics covered

We aim to reflect publicly available exam outlines and topic information in our study resources. Coverage, format, and difficulty may differ from the actual exam, and we cannot guarantee that every detail is accurate or current. Confirm exam requirements, fees, and policies with the official exam sponsor.

16%

Insurance Regulation and California Insurance Code

Public Insurance Adjuster Act, Special Investigative Unit (SIU) rules, unfair claims settlement practices, Fair Claims Settlement Practices Regulations, and reporting of administrative actions and convictions

10%

Insurance Basics

Insurance principles and concepts, contract basics, binders, license requirement and penalties (Cal. Ins. Code 15006), and policy structure

25%

Homeowners' Insurance

Coverage forms, definitions, Section I property and Section II liability coverages, exclusions, conditions, and endorsements

8%

Dwelling Coverage

Dwelling policy overview and property coverages

25%

Commercial Policy

Commercial property, commercial general liability, commercial inland marine, commercial crime, equipment breakdown, and farm coverage

5%

Business Owners Policy (BOP)

General concepts and BOP property coverages

3%

Ocean Marine Insurance

Characteristics and purpose, differences between coverages, and protection and indemnity insurance

2%

Surety and Fidelity

Characteristics and purpose, surety bonds, and general bond concepts

4%

Other Coverages and Options

National Flood Insurance Program, earthquake, California FAIR Plan, and difference in conditions/wrap policies

2%

Pet Insurance

Definitions, pet insurance basics, disclosures, and administrative proceedings

Preparing for the CA Public Adjuster Exam

What You Need to Know

  • Passing score: 70%
  • Exam length: 100 questions
  • Time limit: 165 minutes
  • Exam / certification fees: $101 at a PSI test center or $68 at CDI's Los Angeles site Official sources

Using Our Practice Resources

  • Work through all 316 available questions
  • Review every answer and explanation
  • Track weak areas and revisit them
  • Use our AI tutor for tough concepts

CA Public Adjuster: Suggested Study Strategy

1Master California's public adjuster licensing requirements under the Insurance Code
2Understand the difference between public, independent, and staff adjusters
3Study insurance policy structure: declarations, conditions, exclusions
4Know California's fee cap regulations and solicitation rules
5Review claims documentation and damage assessment procedures

Frequently Asked Questions

What does the California public adjuster exam cover?

The CA PA exam has 100 questions on standard policy forms: homeowners' insurance and commercial policies (25% each), insurance regulation and the California Insurance Code (16%), insurance basics (10%), dwelling coverage (8%), business owners policies (5%), other coverages such as flood, earthquake, the FAIR Plan and DIC (4%), ocean marine (3%), and surety and fidelity and pet insurance (2% each).

What is the passing score for the California PA exam?

California requires a score of 70% or higher to pass the public adjuster licensing examination.

What bond is required for California public adjusters?

California requires a $20,000 Bond of Public Insurance Adjuster (form LIC 94A) from a California admitted surety, submitted with the license application.

What is the difference between a public adjuster and a claims adjuster?

A public adjuster represents the policyholder in insurance claims, while a claims adjuster works for the insurance company. PAs advocate for maximum settlement on behalf of the insured.