200+ Free MD Public Adjuster Practice Questions

Pass your Maryland Public Adjuster Exam exam on the first try — instant access, no signup required.

✓ No registration✓ No credit card✓ No hidden fees✓ Start practicing immediately

65% Pass Rate

200+ Questions

100% Free

1 / 200

Question 1

Score: 0/0

Which state agency regulates public adjusters in Maryland?

Maryland Department of Commerce

Maryland Insurance Administration (MIA)

Maryland Insurance Commission

Maryland Department of Financial Regulation

to track

Same family resources

More Public Adjuster Prep

Continue through related practice pages, study guides, comparisons, and articles from the same exam family.

Practice Pages

SPPA Senior Professional Public Adjuster Practice100 questions Arizona Public Adjuster Practice200 questions California Public Adjuster Practice200 questions Colorado Public Adjuster Practice200 questions Connecticut Public Adjuster Practice200 questions Delaware Public Adjuster Practice200 questions

Free Public Adjuster Practice Test by State 2026: 4,500+ Questions23 min read Texas Adjuster License 2026: Exam, Salary & Steps14 min read

2026 Statistics

Key Facts: MD Public Adjuster Exam

70%

Passing Score

MD MIA

100 Q

Practice Questions

OpenExamPrep

2 hrs

Exam Time

MD MIA

24 hrs

CE Per Cycle

MD MIA

Bond

Surety Bond Required

MD MIA

Maryland 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 settlements.

Sample MD Public Adjuster Practice Questions

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

1Which state agency regulates public adjusters in Maryland?

A.Maryland Department of Commerce

B.Maryland Insurance Administration (MIA)

C.Maryland Insurance Commission

D.Maryland Department of Financial Regulation

Explanation: The Maryland Insurance Administration (MIA) is the state agency responsible for regulating and licensing public adjusters in Maryland. The MIA is headed by the Insurance Commissioner, who oversees all insurance licensing activities, examinations, and enforcement actions under the Maryland Insurance Article.

2What does a Maryland public adjuster license authorize the holder to do?

A.Sell insurance policies to consumers

B.Adjust claims on behalf of the insured for loss or damage to real or personal property covered by an insurance policy

C.Represent insurance companies in claim disputes

D.Conduct financial audits of insurance companies

Explanation: A Maryland public adjuster license allows the holder to adjust claims on behalf of the insured (policyholder) for loss or damage to real or personal property covered by an insurance policy. This is distinct from company adjusters who work for insurers and independent adjusters who are contracted by insurers.

3Does Maryland license staff adjusters who work directly for insurance companies?

A.Yes, all adjusters must be licensed in Maryland

B.No, Maryland does not license staff adjusters who are employed by and adjust losses for an insurer

C.Only staff adjusters handling claims over $50,000 need a license

D.Staff adjusters only need a temporary license

Explanation: Maryland does not license staff adjusters (individuals who are employed by and adjust losses for an insurer). Maryland issues licenses to individuals and business entities to act as Public Adjusters only. This means company employees who adjust claims for their employer do not need a separate adjuster license in Maryland.

4What is the minimum surety bond amount required for a public adjuster in Maryland?

A.$5,000

B.$10,000

C.$20,000

D.$50,000

Explanation: Under Maryland Insurance Article Section 10-405.1, a public adjuster must secure a surety bond in the minimum amount of $20,000 prior to issuance of a license and for the duration of the license. The bond must be in favor of the State of Maryland and authorize recovery by the Commissioner on behalf of any person who sustains damages from the adjuster's erroneous acts.

5What is the fee to renew a public adjuster license in Maryland?

A.$50.00

B.$65.00 ($50.00 renewal fee plus $15.00 fraud prevention fee)

C.$100.00

D.$25.00

Explanation: The fee to renew a Maryland public adjuster license is $65.00, which includes the $50.00 renewal fee and the $15.00 fraud prevention fee. Renewal applications may be submitted up to 90 days prior to the license expiration date through NIPR or by mail.

6How often must a public adjuster license be renewed in Maryland?

A.Annually

B.Every two years (biennially)

C.Every three years

D.Every five years

Explanation: Individual public adjuster licenses in Maryland are issued on a biennial (every two years) basis and expire on the last day of the public adjuster's birth month. Business entity licenses are also issued to expire 2 years from the date of issuance.

7How many hours of continuing education must a Maryland resident public adjuster complete per renewal period?

A.12 hours

B.24 hours, with at least 3 hours in ethics

C.30 hours

D.15 hours

Explanation: Resident public adjusters in Maryland must complete 24 hours of continuing education in Public Adjuster or Property/Casualty course categories per biennial renewal period. Of these 24 hours, at least 3 hours must be in the category of ethics. CE must be completed at least 30 days before the license expiration date.

8When must a Maryland public adjuster complete their continuing education relative to their license expiration?

A.By the license expiration date

B.At least 30 days before the license expiration date

C.Within 60 days after the license expiration date

D.At any time during the renewal period

Explanation: Maryland public adjusters must complete their continuing education requirements at least 30 days before the license expiration date. This advance deadline ensures that CE providers have adequate time to report course completions to the state before the renewal application is processed.

9What is the initial license application fee for a public adjuster in Maryland?

A.$25 or $50, depending on whether the renewal period is less than or greater than one year

B.$100.00

C.$200.00

D.$75.00

Explanation: Under Maryland Insurance Article Section 2-112, the initial application fee for a public adjuster license is $25 if the renewal period is less than one year, or $50 if the renewal period is greater than one year. Applicants must also pass the Public Adjuster examination and submit the NAIC Uniform Individual Application.

10What is the reinstatement fee for a Maryland public adjuster license that expired less than one year ago?

A.$50.00

B.$75.00

C.$100.00 (plus the $50 renewal fee and $15 fraud prevention fee)

D.$200.00

Explanation: For up to one year after the expiration date, former licensees may reinstate an expired license by submitting the required application, $50 renewal fee, $15 fraud prevention fee, proof of CE completion, and a $100 reinstatement fee. After one year from expiration, the former licensee must reapply for an initial license.

About the MD Public Adjuster Exam

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

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

Varies (Maryland Insurance Administration)

MD Public Adjuster Exam Content Outline

20%

MD PA Licensing

Maryland 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%

MD Regulations

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

15%

Professional Practice

Client relations, PA contracts, fraud prevention, ethical standards

How to Pass the MD 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

MD Public Adjuster Study Tips from Top Performers

1Master Maryland's public adjuster licensing requirements and statutes

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

3Study insurance policy structure: declarations, conditions, exclusions

4Know Maryland's fee cap regulations and solicitation rules

5Review claims documentation and damage assessment procedures

Frequently Asked Questions

What does the Maryland public adjuster exam cover?

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

What is the passing score for the Maryland PA exam?

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

What bond is required for Maryland public adjusters?

Maryland requires public adjusters to obtain a surety bond as part of the licensing process. The bond amount is set by the Maryland Insurance Administration.

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.