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Under which Connecticut General Statute is the licensing of public adjusters governed?

C.G.S. § 38a-660

C.G.S. § 38a-723

C.G.S. § 38a-792

C.G.S. § 38a-800

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Key Facts: CT Public Adjuster Exam

70%

Passing Score

CT CID

100 Q

Practice Questions

OpenExamPrep

2 hrs

Exam Time

CT CID

24 hrs

CE Per Cycle

CT CID

Bond

Surety Bond Required

CT CID

Connecticut requires public adjusters to pass a state licensing exam, obtain a surety bond, and meet continuing education requirements. PAs represent policyholders in insurance claims, advocating for fair and full settlements.

Sample CT Public Adjuster Practice Questions

Try these sample questions to test your CT Public Adjuster exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 200+ question experience with AI tutoring.

1Under which Connecticut General Statute is the licensing of public adjusters governed?

A.C.G.S. § 38a-660

B.C.G.S. § 38a-723

C.C.G.S. § 38a-792

D.C.G.S. § 38a-800

Explanation: Connecticut General Statute § 38a-723 governs the licensing and regulation of public adjusters in Connecticut. The complete regulatory framework is found in C.G.S. Title 38a and Connecticut Regulations §§ 38a-769-1 through 38a-769-8 and §§ 38a-788-1 through 38a-788-8.

2Which Connecticut state agency regulates public adjusters?

A.Connecticut Secretary of State

B.Connecticut Insurance Department (CID)

C.Connecticut Department of Consumer Protection

D.Connecticut Attorney General's Office

Explanation: The Connecticut Insurance Department (CID), located at 153 Market Street, 7th Floor, Hartford, CT 06103, is responsible for the licensing, regulation, and oversight of all public adjusters in the state. The CID administers C.G.S. Title 38a provisions related to public adjusters.

3What is the maximum fee a Connecticut public adjuster can charge under state regulations?

A.5% of the settlement

B.10% of the actual or final settlement

C.15% of the settlement

D.There is no fee cap

Explanation: Under Connecticut Regulation § 38a-788-8, no public adjuster shall receive compensation in excess of 10% of the actual or final settlement of a loss covered by the employment contract. This is one of the strictest fee caps among states that regulate public adjuster fees.

4What is the initial application fee for a Connecticut public adjuster license?

A.$130

B.$200

C.$300

D.$500

Explanation: The initial application fee for a Connecticut public adjuster license is $300. This includes a non-refundable $50 application fee. The renewal fee is $250. The license expires April 30th every EVEN year.

5How long is a Connecticut public adjuster license valid before renewal?

A.1 year

B.2 years, expiring April 30th every even year

C.3 years

D.4 years

Explanation: Connecticut public adjuster licenses are valid for two years, expiring on April 30th of every even year. The renewal fee is $250. After a license has been cancelled for two or more years, residents must pass the applicable examination before reinstatement.

6Does Connecticut require continuing education for public adjusters?

A.Yes, 24 hours per renewal period

B.Yes, 12 hours per renewal period

C.No, Connecticut does not require CE for public adjusters

D.Yes, 48 hours per renewal period

Explanation: Connecticut does not require continuing education (CE) for any public adjuster. This is an important distinction from many other states that mandate CE hours. However, public adjusters are still expected to stay current with changes in Connecticut insurance law and industry practices.

7What pre-licensing education does Connecticut require before taking the public adjuster exam?

A.No pre-licensing education is required

B.20 hours of property/casualty coursework

C.40 hours of property/casualty coursework from an approved provider

D.80 hours of combined coursework

Explanation: Connecticut requires public adjuster license applicants to complete 40 hours of property and casualty pre-licensing coursework from an approved provider before taking the state exam. Applicants must present their Certificate of Completion at the licensing examination.

8How many questions are on the Connecticut public adjuster licensing exam?

A.50 questions

B.75 questions

C.100 questions

D.150 questions

Explanation: The Connecticut public adjuster licensing exam (Exam Code 18-08) consists of 100 questions with a time limit of 2 hours. A passing score of 70% is required. The exam is administered by Pearson VUE.

9Under Connecticut Regulation § 38a-788-3(d), during what hours is a public adjuster prohibited from soliciting clients?

A.6 p.m. to 6 a.m.

B.8 p.m. to 8 a.m.

C.9 p.m. to 9 a.m.

D.10 p.m. to 6 a.m.

Explanation: Connecticut Regulation § 38a-788-3(d) prohibits public adjusters from soliciting clients between the hours of 8:00 p.m. and 8:00 a.m. This anti-solicitation rule protects policyholders from unwanted contact during late evening and early morning hours when they may be vulnerable.

10Under Connecticut law, can a public adjuster represent both an insurer and an insured simultaneously?

A.Yes, with written consent from both

B.No, C.G.S. and regulations prohibit a PA from representing both an insurer and insured simultaneously

C.Yes, for small claims only

D.Yes, if they hold dual licenses

Explanation: Connecticut Regulation § 38a-788-3(j) explicitly prohibits public adjusters from representing both an insurer and insured simultaneously. This fundamental prohibition prevents conflicts of interest and ensures the PA advocates solely for the policyholder's interests.

About the CT Public Adjuster Exam

The Connecticut public adjuster exam covers state PA licensing requirements, policyholder advocacy, claims documentation, insurance policy interpretation, fee regulations, and professional ethics under Connecticut insurance statutes.

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

Varies (Connecticut Insurance Department)

CT Public Adjuster Exam Content Outline

20%

CT PA Licensing

Connecticut licensing requirements, exam eligibility, surety bond, CE, renewal process

25%

Claims Process

Claims documentation, filing procedures, damage assessment, loss estimation

20%

Policy Interpretation

Coverage analysis, exclusions, endorsements, policy structure and reading

20%

CT Regulations

Fee caps, solicitation rules, letter of representation, Connecticut statutes

15%

Professional Practice

Client relations, PA contracts, fraud prevention, ethical standards

How to Pass the CT Public Adjuster Exam

What You Need to Know

Passing score: 70%
Exam length: 100 questions
Time limit: 2 hours
Exam fee: Varies

Keys to Passing

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

CT Public Adjuster Study Tips from Top Performers

1Master Connecticut's public adjuster licensing requirements and statutes

2Understand the difference between public, independent, and staff adjusters

3Study insurance policy structure: declarations, conditions, exclusions

4Know Connecticut's fee cap regulations and solicitation rules

5Review claims documentation and damage assessment procedures

Frequently Asked Questions

What does the Connecticut public adjuster exam cover?

The CT PA exam covers Connecticut insurance laws, policyholder advocacy, claims processes, policy interpretation, fee regulations, and professional ethics.

What is the passing score for the Connecticut PA exam?

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

What bond is required for Connecticut public adjusters?

Connecticut requires public adjusters to obtain a surety bond as part of the licensing process. The bond amount is determined by the Connecticut Insurance Department.

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.