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What is the minimum surety bond amount required for a Hawaii public adjuster license?

$5,000

$10,000

$20,000

$50,000

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Key Facts: HI Public Adjuster Exam

70%

Passing Score

HI DCCA

100 Q

Practice Questions

OpenExamPrep

2 hrs

Exam Time

HI DCCA

24 hrs

CE Per Cycle

HI DCCA

Bond

Surety Bond Required

HI DCCA

Hawaii requires public adjusters to pass a state licensing exam, obtain a surety bond, and meet continuing education requirements. PAs represent policyholders in insurance claims, including hurricane and natural disaster losses.

Sample HI Public Adjuster Practice Questions

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

1What is the minimum surety bond amount required for a Hawaii public adjuster license?

A.$5,000

B.$10,000

C.$20,000

D.$50,000

Explanation: Under Hawaii Revised Statutes §431:9-223, public adjusters must file a surety bond in the amount of $10,000 with the Insurance Commissioner. The bond must be executed by an authorized corporate surety approved by the Commissioner and is contingent on the adjuster's proper accounting of funds.

2Which state agency regulates public adjuster licensing in Hawaii?

A.Hawaii Department of Labor

B.Hawaii Department of Commerce and Consumer Affairs, Insurance Division

C.Hawaii Department of Business Affairs

D.Hawaii Office of the Governor

Explanation: The Hawaii Department of Commerce and Consumer Affairs (DCCA), Insurance Division regulates public adjuster licensing. This agency oversees all insurance adjuster licenses, administers examinations, and enforces compliance with HRS Chapter 431:9 governing insurance adjusters.

3Does Hawaii grant reciprocal public adjuster licenses to applicants from other states?

A.Yes, for all states

B.Yes, but only for neighboring Pacific states

C.No, Hawaii does not grant reciprocal licenses; all applicants must pass the state exam

D.Only for states with identical licensing requirements

Explanation: Hawaii does not grant reciprocal licenses for insurance adjusters. All individuals, whether resident or nonresident, must successfully pass the Hawaii state adjuster licensing examination. This applies regardless of the applicant's licensing status in other states.

4What is the minimum age requirement to obtain a public adjuster license in Hawaii?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: Applicants for a Hawaii public adjuster license must be at least 18 years of age. Additionally, if the applicant has been previously convicted of any felony, they must request the Commissioner's written consent to engage in the business of insurance as required in HRS §431:2-201.3.

5What is the primary statutory chapter governing public adjusters in Hawaii?

A.HRS Chapter 431:7

B.HRS Chapter 431:9

C.HRS Chapter 431:11

D.HRS Chapter 431:15

Explanation: Hawaii Revised Statutes Chapter 431:9 governs insurance adjusters, including public adjusters. Specifically, HRS §431:9-201 covers licensing requirements and HRS §431:9-223 covers the surety bond requirement. Public adjusters must comply with all provisions in this chapter.

6Does Hawaii require pre-licensing education for public adjuster applicants?

A.Yes, 40 hours of property and casualty education

B.Yes, 20 hours of adjusting coursework

C.No, Hawaii does not require pre-licensing education

D.Yes, 60 hours of comprehensive insurance education

Explanation: Hawaii does not require a specific pre-licensing education course for public adjuster applicants. However, all applicants must pass the state licensing examination administered by Pearson VUE. Many applicants choose to take voluntary exam preparation courses to improve their chances of passing.

7Does Hawaii require continuing education (CE) for public adjuster license renewal?

A.Yes, 24 hours per renewal period

B.Yes, 12 hours per renewal period

C.No, Hawaii does not require continuing education for adjusters

D.Yes, 6 hours per renewal period

Explanation: Hawaii does not currently require continuing education (CE) for insurance adjuster license renewals. However, public adjusters must still maintain their surety bond, pay renewal fees, and comply with all applicable laws and regulations to keep their license active.

8How long is a Hawaii public adjuster license valid before renewal?

A.1 year

B.18-29 months, based on the discretion of the Insurance Division

C.3 years

D.5 years

Explanation: Hawaii public adjuster licenses are valid for approximately 18 to 29 months, with the exact period determined by the Insurance Division. Licenses expire on the 16th of the licensee's birth month, biennially. Renewal can be done through the HDCCA License Extension/Renewal website or NIPR.

9What is the application fee for a new Hawaii public adjuster license?

A.$100

B.$165

C.$250

D.$500

Explanation: The application fee for a new Hawaii public adjuster license is $165. Additional costs include the examination fee ($75 paid to Pearson VUE) and fingerprinting fee (approximately $59 plus service fees), bringing the total initial fees to approximately $299.

10What is the examination fee for the Hawaii public adjuster exam through Pearson VUE?

A.$50

B.$75

C.$100

D.$150

Explanation: The Hawaii public adjuster examination fee is $75, paid directly to Pearson VUE. Applicants can register online and take the exam at a testing center. The exam covers property and casualty insurance principles, adjusting practices, and Hawaii-specific insurance laws.

About the HI Public Adjuster Exam

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

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

Varies (Hawaii Department of Commerce and Consumer Affairs)

HI Public Adjuster Exam Content Outline

20%

HI PA Licensing

Hawaii 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%

HI Regulations

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

15%

Professional Practice

Client relations, PA contracts, fraud prevention, ethical standards

How to Pass the HI 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

HI Public Adjuster Study Tips from Top Performers

1Master Hawaii's public adjuster licensing requirements and statutes

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

3Study insurance policy structure: declarations, conditions, exclusions

4Know Hawaii's fee cap regulations and solicitation rules

5Review claims documentation and natural disaster assessment procedures

Frequently Asked Questions

What does the Hawaii public adjuster exam cover?

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

What is the passing score for the Hawaii PA exam?

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

What bond is required for Hawaii public adjusters?

Hawaii requires public adjusters to obtain a surety bond as part of the licensing process. The bond amount is set by state regulation.

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.