300+ Free NH Claims Adjuster Practice Questions

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Question 1

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Which of the following is NOT one of the standard workers' compensation benefit categories?

Pain and suffering awards

Disability/income benefits

Medical benefits

Death benefits

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Key Facts: NH Claims Adjuster Exam

70%

Passing Score

DOI

100 Q

Practice Questions

OpenExamPrep

24 hrs

CE Per Cycle

DOI

2 hrs

Exam Time

DOI

$140

Exam Fee

LicenseMap 2026

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

Sample NH Claims Adjuster Practice Questions

Try these sample questions to test your NH 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 New Hampshire RSA 402-B:1, who is prohibited from acting as an insurance claims adjuster without a license?

A.Only individuals employed by insurance companies

B.Any person who investigates, negotiates, or settles insurance claims for compensation

C.Only public adjusters representing policyholders

D.Only non-resident adjusters working temporarily in the state

Explanation: RSA 402-B:1 broadly prohibits any person from acting as an insurance claims adjuster in New Hampshire without first obtaining the required license. This applies to anyone who investigates, negotiates, or settles claims for compensation.

2What is the minimum age requirement to obtain a claims adjuster license in New Hampshire?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: New Hampshire requires that all applicants for an insurance claims adjuster license be at least 18 years of age.

3According to RSA 402-B:9, what must an adjuster do before dealing with any person during a claims investigation?

A.Obtain written permission from the insurer

B.File a notice of investigation with the NH Insurance Department

C.Exhibit their license and identify the company they work for and the insured's name

D.Provide a written summary of the claim to all parties

Explanation: RSA 402-B:9 requires adjusters to exhibit their license to each person they deal with (insured, claimant, witness, or informant) during a claims investigation and identify both the company they work for and the name of the insured.

4Which New Hampshire adjuster exam series covers Property & Casualty laws and regulations?

A.Series 12-80

B.Series 12-83

C.Series 12-85

D.Series 12-90

Explanation: The New Hampshire Adjuster's Property & Casualty Insurance Laws and Regulations exam is designated as Series 12-83. This is a 40-item exam with a 1-hour time limit.

5What percentage of the NH adjuster Series 12-83 exam covers Insurance Regulation topics?

A.15%

B.25%

C.50%

D.75%

Explanation: The NH adjuster Series 12-83 exam allocates 25% of questions to Insurance Regulation topics and 75% to Laws and Regulations Pertaining to Property and Casualty Insurance.

6Under New Hampshire law, which of the following is NOT exempt from the adjuster licensing requirement?

A.Attorneys admitted to practice in NH acting in their professional capacity

B.Persons employed solely to obtain facts surrounding a claim for a licensed adjuster

C.Independent adjusters hired directly by policyholders to negotiate claims

D.Individuals employed to investigate suspected insurance fraud who do not adjust losses

Explanation: Under RSA 402-B:2, exemptions include attorneys acting professionally, persons employed solely to gather facts for licensed adjusters, and fraud investigators who don't adjust losses. Independent adjusters hired by policyholders to negotiate claims are not exempt and must be licensed.

7How many hours of continuing education must a resident claims adjuster in New Hampshire complete every two years?

A.15 hours

B.20 hours

C.24 hours

D.30 hours

Explanation: New Hampshire resident claims adjusters must complete 20 hours of continuing education every two years (biennially). Workers' compensation adjusters have additional requirements within those 20 hours.

8For NH workers' compensation claims adjusters, how many of the required 20 CE hours must be in workers' compensation courses?

A.5 hours

B.10 hours

C.15 hours

D.20 hours

Explanation: New Hampshire workers' compensation claims adjusters must complete 10 of their 20 required CE hours in workers' compensation-specific courses. The remaining 10 hours can be in any preapproved multi-line claims adjusters course.

9What happens if a New Hampshire adjuster fails to renew their license on time?

A.They receive a 30-day grace period at no additional cost

B.They must submit a new application and pay double the renewal fee

C.Their license is automatically suspended for 6 months

D.They simply pay a $50 late fee and continue operating

Explanation: Under RSA 400-A:29, New Hampshire does not accept late renewals. Failure to renew on time requires the adjuster to submit a new application and pay 2x the renewal fee.

10Under what circumstances may the NH Insurance Commissioner issue temporary/emergency adjuster licenses?

A.Whenever an insurer requests additional adjusters

B.Only during a declared State of Emergency by the Governor or when the Commissioner determines an emergency exists

C.Only for non-resident adjusters from neighboring states

D.Only during the first quarter of each calendar year

Explanation: Under RSA 402-B:11, temporary/emergency/catastrophe licenses may be issued upon declaration of a State of Emergency by the Governor, or when the Commissioner determines there is an emergency or disaster requiring temporary licensing of adjusters.

About the NH Claims Adjuster Exam

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

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

$140 (New Hampshire DOI)

NH 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 NH Claims Adjuster Exam

What You Need to Know

Passing score: 70%
Exam length: 100 questions
Time limit: 2 hours
Exam fee: $140

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

NH 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 New Hampshire 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.