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Which homeowners policy form provides open perils coverage on the dwelling but only named perils on personal property?

HO-2

HO-3

HO-5

HO-8

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2026 Statistics

Key Facts: CPPA Exam

100

Exam Questions

NAPIA CPPA program

3 hours

Time Limit

NAPIA

70%

Passing Score

NAPIA

5 yrs

Experience Required

Full-time PA

Content Domains

Per NAPIA outline

$300-500

Exam Fee

Verify with NAPIA

Earning the CPPA requires at least 5 years of full-time public adjusting experience plus an active state PA license. The exam runs 100 multiple-choice questions in 3 hours with a 70% passing score, testing policy interpretation (HO/CP/BPP/BI), claims investigation, damage valuation, appraisal, negotiation, state statutes, and NAPIA ethics. The CPPA sits one tier below the 10-year SPPA designation.

Sample CPPA Practice Questions

Try these sample questions to test your CPPA exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1Which homeowners policy form provides open perils coverage on the dwelling but only named perils on personal property?

A.HO-2

B.HO-3

C.HO-5

D.HO-8

Explanation: The HO-3 (Special Form) is the most common homeowners policy. Coverage A (dwelling) and B (other structures) are written on an open perils basis, while Coverage C (personal property) is written on a named perils basis. Knowing this asymmetry is essential when scoping a partial contents loss.

2Under a standard ISO HO-3, how many named perils apply to Coverage C personal property?

A.10

B.12

C.16

D.Open perils — no list

Explanation: Coverage C on the HO-3 lists 16 named perils, including fire, lightning, windstorm/hail, theft, vandalism, and accidental discharge of water. Public adjusters must read the form to confirm a contents loss is triggered by one of those listed perils.

3On a Commercial Property CP-00-10 Building and Personal Property Coverage Form, what does 'Business Personal Property' (BPP) typically include?

A.Only inventory held for sale

B.Furniture, fixtures, machinery, equipment, stock, and other personal property used in business

C.Buildings and outdoor signs only

D.Property of others held in any capacity, regardless of agreement

Explanation: BPP under CP-00-10 covers the insured's furniture, fixtures, machinery, equipment, stock, and other personal property used in the business, plus tenant-installed improvements and betterments. Property of others is covered only to the extent of the insured's interest unless specifically scheduled.

4Which form is the standard ISO Business Income (And Extra Expense) Coverage Form?

A.CP-00-10

B.CP-00-30

C.CP-00-90

D.CP-10-30

Explanation: CP-00-30 is the Business Income (and Extra Expense) Coverage Form. It pays the actual loss of business income sustained, plus extra expense, during the period of restoration following direct physical loss or damage by a covered cause of loss.

5What does the 'period of restoration' under the CP-00-30 measure?

A.From the date of loss until the policy expiration

B.From 72 hours after the loss until the date the property is or should be repaired/replaced with reasonable speed

C.From the date of loss until the date the property is or should be repaired/replaced with reasonable speed

D.From the date the carrier issues the reservation of rights to settlement

Explanation: Under CP-00-30, the period of restoration begins on the date of direct physical loss (or 72 hours after for civil authority) and ends on the date the property should be repaired, rebuilt, or replaced with reasonable speed and similar quality, or the date the business resumes at a new permanent location — whichever comes first.

6Under a standard HO-3 with replacement cost coverage on the dwelling, when is recoverable depreciation released to the insured?

A.Immediately at first payment

B.After the insured actually completes the repair/replacement and submits documentation

C.Only if the insured hires a public adjuster

D.Never — depreciation is always non-recoverable

Explanation: Most replacement cost policies pay ACV (RCV minus depreciation) as an initial payment. The withheld depreciation — the recoverable depreciation — is released only after the insured actually completes the repair or replacement and submits documentation (paid invoices, receipts) showing the work was done.

7ACV is most commonly defined as which of the following?

A.Replacement cost

B.Replacement cost minus depreciation

C.Fair market value at policy inception

D.The Coverage A limit on the declarations page

Explanation: ACV (Actual Cash Value) is most commonly defined as replacement cost new less depreciation. Some states also recognize the broad evidence rule, allowing courts to consider fair market value, age, condition, and obsolescence. RCV less depreciation is the predominant standard.

8A commercial property policy has an 80% coinsurance clause. The building has a replacement cost of $1,000,000 and is insured for $600,000. After a $200,000 covered loss (and ignoring deductible), what is the coinsurance penalty calculation?

A.$200,000 × ($600,000 / $800,000) = $150,000 paid

B.$200,000 × ($600,000 / $1,000,000) = $120,000 paid

C.$200,000 × ($800,000 / $600,000) = $266,667 paid

D.$200,000 paid in full because the loss is below the policy limit

Explanation: Coinsurance formula: (amount carried ÷ amount required) × loss = recovery. Required = 80% × $1,000,000 = $800,000. Carried = $600,000. Recovery = ($600,000 / $800,000) × $200,000 = $150,000. The remaining $50,000 is the coinsurance penalty borne by the insured.

9A homeowner has $20,000 of additional living expense (ALE) coverage on the HO-3. The home is uninhabitable for 4 months and the insured spends $1,800/month on rent and $400/month on extra meals. What is the ALE owed?

A.$0 — meals are excluded

B.$7,200 — only rent is covered

C.$8,800 — the necessary increase in living expenses for 4 months, capped at the $20,000 limit

D.$20,000 — the full ALE limit must be paid

Explanation: ALE pays the necessary increase in living expenses incurred so the household can maintain its normal standard of living while the residence is uninhabitable. ($1,800 + $400) × 4 = $8,800 — within the $20,000 cap. Only the increase counts: if the family was already buying groceries, only the marginal extra-cost meals are reimbursable.

10Under a CP-00-30 with a 50% coinsurance and an annual business income value of $1,200,000, what is the minimum required limit?

A.$240,000

B.$600,000

C.$1,200,000

D.$1,800,000

Explanation: BI coinsurance is applied to the annual business income value, and the required limit equals the coinsurance percentage × that value. 50% × $1,200,000 = $600,000. Carrying less triggers a coinsurance penalty in the same did/should formula used on direct property.

About the CPPA Exam

The CPPA (Certified Professional Public Adjuster) is the intermediate NAPIA designation for public adjusters with at least 5 years of full-time public adjusting experience. Sitting one tier below the SPPA (which requires 10 years), the CPPA exam tests advanced policy interpretation, claims investigation, damage valuation, coverage-dispute mechanics, settlement negotiation, state public adjuster statutes, and adherence to the NAPIA Code of Professional Conduct. Public adjusters use the CPPA to demonstrate competence to clients, carriers, and courts when handling complex first-party property claims.

Questions

100 scored questions

Time Limit

3 hours

Passing Score

70%

Exam Fee

$300-500 (varies; verify with NAPIA) (National Association of Public Insurance Adjusters (NAPIA))

CPPA Exam Content Outline

20%

Insurance Policy Interpretation

HO-3, HO-5, CP-00-10, BPP, business income (CP-00-30) — declarations, insuring agreement, conditions, exclusions, endorsements, Ordinance or Law, coinsurance, and agreed value

15%

Claims Investigation & Documentation

Scene inspection, scoping, photo and video evidence, recorded statements, expert reports, sworn proof of loss, and chain-of-custody documentation

15%

Damage Estimation & Valuation Methodology

Xactimate and Symbility line items, ACV vs RCV, recoverable vs non-recoverable depreciation, like kind and quality, overhead and profit, and salvage

10%

Coverage Disputes, Appraisal & Mediation

Appraisal clause two-party plus umpire, mediation, examination under oath (EUO), reservation of rights, denial letters, and valued policy laws

15%

Negotiation & Settlement

Settlement strategy, demand packages, partial and advance payments, supplemental claims, release language, and structured negotiation tactics

10%

State Public Adjuster Statutes

Registration, licensing, fee caps (e.g., FL 10% during state of emergency / 20% otherwise), contract requirements, 3-day rescission, and solicitation rules

10%

Ethics & NAPIA Code of Professional Conduct

Conflict-of-interest disclosure, no kickbacks, no dual representation, contractor crossover prohibitions, and contingent-fee restrictions in litigation

Business Practices for Public Adjusting Firms

Firm operations, employee vs 1099 adjusters, supervision of staff, advertising compliance, recordkeeping, and client trust account handling

How to Pass the CPPA Exam

What You Need to Know

Passing score: 70%
Exam length: 100 questions
Time limit: 3 hours
Exam fee: $300-500 (varies; verify with NAPIA)

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

CPPA Study Tips from Top Performers

1Master HO-3 vs HO-5 (open dwelling + named contents vs open on both) and the CP-00-10 / CP-00-30 distinction — policy interpretation is 20% of the exam

2Drill ACV vs RCV math, recoverable vs non-recoverable depreciation, and the 80% coinsurance penalty calc — valuation questions reward speed and accuracy

3Memorize the appraisal clause mechanics: each party picks a competent and impartial appraiser, the two pick an umpire, any two of the three issue a binding award on amount of loss only

4Know your state's PA fee caps and contract requirements cold (e.g., FL 10% during a state of emergency / 20% otherwise; many states require a 3-day rescission window)

5Study the NAPIA Code of Professional Conduct line by line — no kickbacks, no dual representation, no contractor crossover, full disclosure of conflicts, no contingent fees on litigated portions

Frequently Asked Questions

What experience does the CPPA require?

NAPIA's CPPA designation requires at least 5 years of full-time public adjusting experience. Some candidates qualify through a college-degree path combined with experience. Candidates also need an active public adjuster license in at least one U.S. jurisdiction and must agree to abide by the NAPIA Code of Professional Conduct. The 5-year experience floor is what positions CPPA as the intermediate designation between an entry-level state PA license and the senior SPPA tier.

How is the CPPA different from the SPPA?

The CPPA is NAPIA's intermediate designation, requiring at least 5 years of full-time public adjusting experience. The SPPA (Senior Professional Public Adjuster) is the top tier, requiring 10 years of experience plus a college degree or equivalent. SPPA is administered by The Institutes via three course exams (AIC 304, AINS 101, SPPA 300) plus the free Ethics 311 module, while the CPPA is the NAPIA-led credential below it. CPPA holders typically progress to SPPA after another five years of senior practice.

Is NAPIA membership required to earn the CPPA?

Active NAPIA membership is the standard path because the CPPA is a NAPIA-administered designation and candidates must agree to the NAPIA Code of Professional Conduct. Some pathways may allow non-members to test under specific conditions, but the certification program is built around NAPIA membership and continuing education. Verify current eligibility on the NAPIA Public Adjuster Certification Program page before applying.

What does the CPPA exam cover?

The CPPA exam tests 8 weighted domains: Insurance Policy Interpretation (20%), Claims Investigation & Documentation (15%), Damage Estimation & Valuation (15%), Coverage Disputes/Appraisal/Mediation (10%), Negotiation & Settlement (15%), State Public Adjuster Statutes (10%), Ethics & NAPIA Code (10%), and Business Practices for PA Firms (5%). Candidates should know HO and CP forms, ACV vs RCV mechanics, the appraisal clause, valued policy laws, fee caps, and the NAPIA Code cold.

Why pursue the CPPA designation?

The CPPA signals advanced competence to clients, carriers, and courts when handling complex first-party property claims. It strengthens credibility for higher-fee engagements, supports expert-witness qualifications, and serves as the natural stepping stone to the SPPA designation. Many state PA license requirements treat NAPIA designations as evidence of continuing education, and clients increasingly look for designated adjusters when comparing PA firms after a major loss.

How long should I study for the CPPA exam?

Plan for roughly 60-100 hours of focused study spread over 3-6 months. Most working public adjusters study 6-10 hours per week alongside active claims, with intensive review in the final two weeks before the exam. Spend the bulk of your time on policy interpretation, valuation methodology, and the appraisal/EUO/mediation framework, since those domains carry the largest combined weight on the test.