200+ Free NC Public Adjuster Practice Questions

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Question 1

Score: 0/0

A senior PA is engaged on a large CAT loss with both wind and storm-surge damage in a state with an anti-concurrent causation endorsement. The PA's best documentation strategy is to:

File only a flood proof of loss

Ignore the NFIP policy

Assume everything is covered under the homeowner policy

Distinguish wind damage from flood damage using engineering analysis, drone imagery, and eyewitness timelines

to track

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Key Facts: NC Public Adjuster Exam

70%

Passing Score

NC DOI

100 Q

Practice Questions

OpenExamPrep

2 hrs

Exam Time

NC DOI

24 hrs

CE Per Cycle

NC DOI

Bond

Surety Bond Required

NC DOI

North Carolina 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 storm damage settlements.

Sample NC Public Adjuster Practice Questions

Try these sample questions to test your NC 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 North Carolina law, who does a public adjuster represent?

A.The insurance company

B.The policyholder/insured

C.The NC Department of Insurance

D.The reinsurer

Explanation: Under N.C.G.S. 58-33A-10, a public adjuster represents the policyholder (insured/claimant) in preparing, presenting, and negotiating property insurance claims. A public adjuster shall not misrepresent to a claimant that he or she represents an insurer.

2Which North Carolina statute requires licensing for public adjusters?

A.N.C.G.S. 58-33-1

B.N.C.G.S. 58-33A-10

C.N.C.G.S. 58-44-1

D.N.C.G.S. 58-50-1

Explanation: N.C.G.S. 58-33A-10 establishes that a person shall not act or hold himself or herself out as a public adjuster in North Carolina unless licensed as a public adjuster in accordance with Article 33A of Chapter 58.

3What is the minimum surety bond amount required for a NC public adjuster?

A.$5,000

B.$10,000

C.$20,000

D.$50,000

Explanation: Under N.C.G.S. 58-33A-50, a public adjuster must secure a bond in the minimum amount of $20,000. The bond must be executed by an insurer authorized to issue bonds in North Carolina and shall be in favor of the state.

4Which NC state agency oversees public adjuster licensing?

A.The NC Attorney General's Office

B.The NC Department of Insurance (NCDOI)

C.The NC Secretary of State

D.The NC Department of Labor

Explanation: The North Carolina Department of Insurance (NCDOI), headed by the Insurance Commissioner, oversees the licensing and regulation of public adjusters and all other insurance professionals under Chapter 58 of the General Statutes.

5What is the minimum age requirement to obtain a NC public adjuster license?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: Under N.C.G.S. 58-33A-15(b)(1), an individual applicant for a public adjuster license must be at least 18 years of age. This is a standard requirement for all adjuster types in North Carolina.

6Under N.C.G.S. 58-33A-15(a), what general requirements must an applicant for a NC public adjuster license meet?

A.Only pay the fees

B.Be a resident of NC, trustworthy, reliable, of good reputation, financially responsible, and maintain an office in their home state

C.Only pass an examination

D.Only have a college degree

Explanation: Under N.C.G.S. 58-33A-15(a), an applicant must be: a resident of the state, trustworthy/reliable/of good reputation, financially responsible, have paid fees under G.S. 58-33-125, and maintain an office in their home state with public access.

7What examination must a NC public adjuster applicant pass?

A.The NC Bar Exam

B.The public adjuster examination as prescribed by the Commissioner under N.C.G.S. 58-33A-15(b)(2)

C.A federal insurance exam

D.An oral examination

Explanation: Under N.C.G.S. 58-33A-15(b)(2), individual applicants must have successfully passed the public adjuster examination as required by the Commissioner. The exam is administered through the state's examination vendor.

8Under N.C.G.S. 58-33A-10(d), who is exempt from the NC public adjuster licensing requirement?

A.Insurance producers with casualty lines

B.Attorneys admitted to practice in NC when acting in their professional capacity

C.Contractors who repair property damage

D.Real estate agents

Explanation: Under N.C.G.S. 58-33A-10(d)(1), an attorney-at-law admitted to practice in North Carolina is exempt from the public adjuster licensing requirement when acting in his or her professional capacity as an attorney.

9Under N.C.G.S. 58-33A-10(d), which of the following is also exempt from public adjuster licensing?

A.Insurance agents selling policies

B.A person who negotiates life or health insurance claims

C.A person who investigates suspected fraud

D.A general contractor estimating repairs

Explanation: Under N.C.G.S. 58-33A-10(d)(2), a person who negotiates or settles claims arising under a life or health insurance policy or an annuity contract is exempt from the public adjuster licensing requirement, as PA licensing applies only to property claims.

10A person employed only to obtain facts or furnish technical assistance to a licensed public adjuster in NC is considered what?

A.A licensed public adjuster

B.An unlicensed practitioner

C.Exempt from licensing under N.C.G.S. 58-33A-10(d)(3)

D.A temporary licensee

Explanation: Under N.C.G.S. 58-33A-10(d)(3), a person employed only for the purpose of obtaining facts surrounding a loss or furnishing technical assistance to a licensed public adjuster (photographers, estimators, private investigators, engineers, handwriting experts) is exempt from licensure.

About the NC Public Adjuster Exam

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

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

Varies (North Carolina Department of Insurance)

NC Public Adjuster Exam Content Outline

20%

NC PA Licensing

North Carolina 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%

NC Regulations

Fee caps, solicitation rules, letter of representation, North Carolina statutes

15%

Professional Practice

Client relations, PA contracts, fraud prevention, ethical standards

How to Pass the NC 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

NC Public Adjuster Study Tips from Top Performers

1Master North Carolina's public adjuster licensing requirements and statutes

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

3Study insurance policy structure: declarations, conditions, exclusions

4Know North Carolina's fee cap regulations and solicitation rules

5Review hurricane and storm damage claims documentation procedures

Frequently Asked Questions

What does the North Carolina public adjuster exam cover?

The NC PA exam covers North Carolina insurance laws, policyholder advocacy, claims processes, policy interpretation, fee regulations, and professional ethics.

What is the passing score for the North Carolina PA exam?

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

What bond is required for North Carolina public adjusters?

North Carolina requires public adjusters to obtain a surety bond as part of the licensing process. The bond amount is set by the NC Department of Insurance.

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.