300+ Free NC Claims Adjuster Practice Questions

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What is the purpose of salvage in NC claims adjusting?

To recover value from damaged property after paying a total loss, reducing overall claim costs

To provide temporary repairs

To destroy damaged property

To determine the original value of property

to track

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2026 Statistics

Key Facts: NC Claims Adjuster Exam

70%

Passing Score

DOI

100 Q

Practice Questions

OpenExamPrep

24 hrs

CE Per Cycle

DOI

2 hrs

Exam Time

DOI

varies

Exam Fee

LicenseMap 2026

North Carolina requires claims adjusters to pass a state licensing exam covering P&C claims, policy interpretation, state insurance laws, and unfair claims settlement practices.

Sample NC Claims Adjuster Practice Questions

Try these sample questions to test your NC Claims Adjuster exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 300+ question experience with AI tutoring.

1Under North Carolina General Statute 58-33-10, who is defined as an 'adjuster'?

A.Only employees of insurance companies

B.Any individual who, for compensation, investigates or reports to their principal regarding claims arising under insurance contracts other than life or annuity

C.Only public adjusters representing policyholders

D.Only licensed attorneys handling insurance claims

Explanation: Under NCGS 58-33-10, an 'adjuster' is any individual who, for salary, fee, commission, or other compensation, investigates or reports to their principal relative to claims arising under insurance contracts other than life or annuity.

2Under NCGS 58-33-26(a), what is prohibited without a license in North Carolina?

A.Only selling insurance without a license

B.Acting as or holding oneself out to be an insurance producer, limited representative, adjuster, or motor vehicle damage appraiser without proper licensing

C.Only adjusting auto claims without a license

D.Only acting as a public adjuster without a license

Explanation: NCGS 58-33-26(a) broadly prohibits any person from acting as or holding themselves out to be an insurance producer, limited representative, adjuster, or motor vehicle damage appraiser unless duly licensed.

3What is the minimum age to obtain an adjuster license in North Carolina?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: Under NC law, applicants for a public adjuster license must be at least 18 years of age. This requirement applies to all adjuster license types.

4Under NCGS 58-33-30(e), what must an applicant do before being licensed as an adjuster?

A.Complete a 6-month apprenticeship only

B.Take and pass an examination testing competence as prescribed by the Commissioner

C.Only submit an application and fee

D.Complete a college-level insurance course

Explanation: Under NCGS 58-33-30(e), the Commissioner requires each applicant for an adjuster license to take and pass an examination testing their competence. The exam must be passed according to requirements prescribed by the Commissioner.

5What is the learner's permit provision under NCGS 58-33-70(c)?

A.A permanent license for new adjusters

B.A 90-day permit allowing an applicant to act as an adjuster under supervision while preparing for the licensing exam

C.A 1-year provisional license

D.A permit to study insurance textbooks

Explanation: Under NCGS 58-33-70(c), upon filing an application, paying the exam fee, and filing an employer's certificate, the Commissioner may issue a 90-day learner's permit. The permittee must operate under the instruction and supervision of a licensed adjuster. Only one permit can be issued per individual.

6What does the employer's certificate for a NC learner's permit must certify?

A.Only that the applicant is employed

B.That the applicant is of good character, employed by the signer, and will operate as a student under supervision of a licensed adjuster

C.Only that the employer has insurance coverage

D.Only that the applicant has completed pre-licensing education

Explanation: Under NCGS 58-33-70(c), the employer's certificate must certify three things: (1) the applicant is of good character, (2) the applicant is employed by the signer, and (3) the applicant will operate as a student or learner under the instruction and general supervision of a licensed adjuster.

7Under NCGS 58-33-70(a), what is prohibited for licensed adjusters in North Carolina?

A.Adjusting claims in other states

B.Engaging in the practice of law

C.Working for more than one insurance company

D.Adjusting claims on weekends

Explanation: NCGS 58-33-70(a) explicitly states that it is unlawful and cause for revocation of license for a licensed adjuster to engage in the practice of law.

8Can an insurance producer act as an adjuster in North Carolina without an adjuster license?

A.No, never under any circumstances

B.Yes, on behalf and on request of an insurer by which they are appointed, as long as their sales compensation is not dependent on the adjustment

C.Yes, for any claims they choose

D.Only for claims under $5,000

Explanation: Under NCGS 58-33-70(b), on behalf and on request of an insurer by which they are appointed, a producer may act as an adjuster and investigate claims without an adjuster license. However, the producer cannot adjust losses where their sales compensation depends on the adjustment.

9What is the emergency adjuster provision under NCGS 58-33-70(e)?

A.Emergency adjusters are permanently exempt from licensing

B.The Commissioner may permit an experienced out-of-state adjuster to work temporarily in NC for emergency adjustment work for a licensed employer

C.Only NC residents can serve as emergency adjusters

D.Emergency adjusters can only work on flood claims

Explanation: Under NCGS 58-33-70(e), the Commissioner may permit an experienced adjuster licensed in another state to act as an adjuster in NC without a NC license for emergency insurance adjustment work, for a period determined by the Commissioner, when working for a NC-licensed employer.

10When do NC adjuster licenses renew?

A.January 1 each year

B.April 1 each year, with the Commissioner able to establish staggered renewal dates

C.On the licensee's birthday

D.Every two years on the anniversary of issuance

Explanation: Under NCGS 58-33-26(m), adjuster licenses renew on April 1 each year with renewal fees due. The Commissioner may establish staggered renewal dates to apportion renewals throughout the year.

About the NC Claims Adjuster Exam

The North Carolina claims adjuster exam covers property and casualty insurance claims, damage assessment, policy interpretation, state insurance laws, unfair claims practices, ethics, and North Carolina-specific adjuster regulations.

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

varies (North Carolina DOI)

NC Claims Adjuster Exam Content Outline

25%

Claims Process

Investigation, documentation, damage assessment, reserving, negotiation

25%

Policy Coverage

Property, casualty, auto, liability policies, coverage analysis, exclusions

20%

State Regulations

State licensing, DOI regulations, unfair claims practices, penalties

15%

Investigation

Evidence gathering, statements, fraud detection, subrogation

15%

Ethics & Practice

Professional conduct, conflicts of interest, confidentiality, CE

How to Pass the NC Claims 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

NC Claims Adjuster Study Tips from Top Performers

1Master property and casualty insurance policy structure and coverage

2Study your state's unfair claims settlement practices act

3Know the claims investigation process from first notice to settlement

4Understand subrogation principles and procedures

5Review state-specific adjuster licensing requirements and regulations

Frequently Asked Questions

What does the North Carolina claims adjuster exam cover?

The exam covers P&C insurance claims, policy interpretation, damage assessment, state insurance regulations, unfair claims practices, and professional ethics.

What is the passing score?

Most states require 70% to pass the claims adjuster licensing exam.

How is this different from a public adjuster?

Claims adjusters work for insurance companies or independently to evaluate claims. Public adjusters work exclusively for policyholders to maximize their settlement.

What CE is required?

Most states require 24 hours of continuing education per renewal cycle for claims adjusters.