Free Practice Questions for NC Claims Adjuster

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Exam Review

Key Facts: NC Claims Adjuster Exam

Passing Scaled Score

NCDOI

100 Q

Practice Questions

OpenExamPrep

24 hrs

CE Per Cycle

NCDOI

2 hr 15 min

Exam Time

Pearson VUE

$45

Exam Fee

Pearson VUE

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 review concepts for the NC Claims Adjuster exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 420+ 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.

Exam sponsor: North Carolina Department of Insurance / Pearson VUE. The requirements and fees below concern the certification or admission exam, separate from our free practice resources.

Questions

100 questions

Time Limit

2 hours 15 minutes

Passing Score

70 (scaled)

Exam / Certification Fees

$45 per attempt

Exam sponsor website

Fees, eligibility, and exam policies can change. Confirm them with the exam sponsor before applying or paying.

Official sources

North Carolina Department of Insurance / Pearson VUE: official exam information

Our practice resources: topics covered

We aim to reflect publicly available exam outlines and topic information in our study resources. Coverage, format, and difficulty may differ from the actual exam, and we cannot guarantee that every detail is accurate or current. Confirm exam requirements, fees, and policies with the official exam sponsor.

Terms and Concepts

Risk, hazard, peril, indemnity, insurable interest, loss valuation, subrogation, binder, certificate of insurance

30%

Personal Insurance Coverages

Standard Fire Policy, dwelling forms, NC Rate Bureau Homeowners, other personal packages, NFIP flood, watercraft, personal umbrella

15%

Personal Auto Policy (NC Rate Bureau Form)

Eligibility, definitions, Parts A through D, insured's duties, and NC optional endorsements

18%

Commercial Insurance Coverages

Commercial property, business income, extra expense, crime, boiler and machinery, general liability, commercial auto, workers' compensation, marine, bonds, packages

7-8%

Loss Report

Essential elements of the written loss report, elements of investigation, statute of limitations, and types of liability

7-8%

Loss/Damage Valuation

Special, general and punitive damages, material damage estimates, diminution of value, valuation clauses, closing document and closing report

15%

NC Statutes and Regulations Pertinent to Adjusters

NCGS Chapter 58 Articles 1, 2, 3, 33, 37, 39, 43, 44 and 63, GS 20-279.21, workers' compensation law, and 11 NCAC Chapter 04

Preparing for the NC Claims Adjuster Exam

What You Need to Know

Passing score: 70 (scaled)
Exam length: 100 questions
Time limit: 2 hours 15 minutes
Exam / certification fees: $45 per attempt Official sources

Using Our Practice Resources

Work through all 420 available questions
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NC Claims Adjuster: Suggested Study Strategy

1Master property and casualty insurance policy structure and coverage

2Study North Carolina Unfair Claims Settlement Practices under NCGS 58-63

3Know the claims investigation process from first notice of loss to settlement

4Understand coinsurance mathematics and property valuation formulas

5Review NC-specific insurance pools including Rate Bureau, Reinsurance Facility, and Coastal Beach Plan

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?

North Carolina requires a scaled score of 70 or higher on the state licensing examination administered by Pearson VUE. The scaled score is reported on a 0-100 scale and is not the number or percentage of questions answered correctly.

How is this different from a public adjuster?

Claims adjusters work for insurance companies or independently to evaluate claims on behalf of insurers. Public adjusters work exclusively for policyholders to represent them in preparing and settling claims.

What CE is required for North Carolina adjusters?

North Carolina resident adjusters must complete 24 hours of approved continuing education every two years, including at least 3 hours of insurance ethics, plus 3 hours of flood insurance in the first compliance period and every other period thereafter.

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