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Exam Review

Key Facts: NH Public Adjuster Exam

70%

Passing Score

NH INS

100 Q

Practice Questions

OpenExamPrep

2 hrs

Exam Time

NH INS

24 hrs

CE Per Cycle

NH INS

Bond

Surety Bond Required

NH INS

New Hampshire 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 NH Public Adjuster Practice Questions

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

1Under New Hampshire law, who does a public adjuster represent?
A.The insurance company
B.The policyholder/insured
C.The state insurance department
D.The reinsurer
Explanation: A public adjuster in New Hampshire represents the policyholder (insured) in negotiating and settling insurance claims. Under RSA 402-D, a public adjuster acts on behalf of or aids insureds in negotiating the settlement of insurance claims.
2What is the minimum surety bond amount required for a public adjuster license in New Hampshire?
A.$5,000
B.$10,000
C.$20,000
D.$50,000
Explanation: New Hampshire Statute 402-D:3 requires public adjusters to purchase and maintain a $20,000 surety bond as a prerequisite to obtaining licensure. This bond provides financial security for the enforcement of the licensing law.
3How many years of insurance industry experience are required to apply for a New Hampshire public adjuster license?
A.One year
B.Three years
C.Five years
D.Ten years
Explanation: All applicants for the New Hampshire Public Adjuster License must have at least five years of experience in the insurance industry, with some of this experience relating to claims adjusting, as required under RSA 402-D.
4What is the minimum age requirement to obtain a public adjuster license in New Hampshire?
A.16 years old
B.18 years old
C.21 years old
D.25 years old
Explanation: To be eligible for a New Hampshire public adjuster license, applicants must be at least 18 years old. This is a standard minimum age requirement across most state insurance licensing programs.
5How many hours of continuing education must a New Hampshire public adjuster complete every two years?
A.10 hours
B.15 hours
C.20 hours
D.24 hours
Explanation: New Hampshire requires all public adjusters to complete 15 hours of continuing education every two years. This is separate from the 24-hour CE requirement for resident producers and the 20-hour requirement for claims adjusters.
6Which New Hampshire statute governs the licensing of public adjusters?
A.RSA 400-A
B.RSA 402-B
C.RSA 402-D
D.RSA 402-J
Explanation: RSA 402-D is the New Hampshire statute that specifically governs the licensing and regulation of public adjusters. RSA 402-B covers insurance claims adjusters, and RSA 402-J covers insurance producers.
7Under RSA 402-D:2, a public adjuster in New Hampshire works on claims under which types of insurance policies?
A.Life and health insurance only
B.Auto insurance only
C.Fire or homeowner's insurance
D.All types of insurance
Explanation: Under RSA 402-D:2, a public adjuster is defined as a person that acts on behalf of or aids insureds in negotiating the settlement of insurance claims under a fire or homeowner's insurance policy.
8Which of the following is NOT an exemption from New Hampshire's public adjuster licensing requirement?
A.Attorneys admitted to practice in the state acting in their professional capacity
B.Persons employed solely to obtain facts surrounding a claim
C.Individuals employed to investigate suspected insurance fraud who do not adjust losses
D.Independent insurance agents soliciting business
Explanation: Under NH law, attorneys acting in their professional capacity, persons employed solely to obtain facts for a licensed adjuster, and individuals investigating fraud (who do not adjust losses) are exempt. Independent insurance agents are not exempted from the public adjuster licensing requirement.
9What is the role of PSI Services in New Hampshire's public adjuster licensing process?
A.They issue the public adjuster license
B.They administer the licensing examination
C.They provide continuing education courses
D.They underwrite the surety bond
Explanation: PSI Services LLC (PSI) is the vendor selected by the New Hampshire Insurance Department to administer insurance licensing examinations, including the public adjuster exam. Starting July 1, 2025, PSI began offering exams for producers, adjusters, and public adjusters.
10A new resident of New Hampshire who held a public adjuster license in another state within the past 90 days must do what?
A.Take and pass the full NH public adjuster exam
B.Only pass the NH-specific laws and regulations exam
C.Wait one year before applying in NH
D.Obtain approval from their prior state's commissioner
Explanation: If you are a new resident of New Hampshire and held a license in another state within the past 90 days, you must pass the New Hampshire-specific laws and regulations exam (such as the Property and Casualty Insurance Laws and Regulations exam), but are not required to take the full licensing exam.

About the NH Public Adjuster Exam

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

Exam sponsor: New Hampshire Insurance Department. The requirements and fees below concern the certification or admission exam, separate from our free practice resources.

Questions

100 questions

Time Limit

2 hours

Passing Score

70%

Exam / Certification Fees

Varies

Exam sponsor website

Reported exam pass rate: 65%. estimated first-time pass rate This describes exam candidates, not OpenExamPrep users or results from using our resources. Exam sponsor website

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

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.

20%

NH PA Licensing

New Hampshire 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%

NH Regulations

Fee caps, solicitation rules, letter of representation, New Hampshire statutes

15%

Professional Practice

Client relations, PA contracts, fraud prevention, ethical standards

Preparing for the NH Public Adjuster Exam

What You Need to Know

  • Passing score: 70%
  • Exam length: 100 questions
  • Time limit: 2 hours
  • Exam / certification fees: Varies Official sources

Using Our Practice Resources

  • Work through all 200 available questions
  • Review every answer and explanation
  • Track weak areas and revisit them
  • Use our AI tutor for tough concepts

NH Public Adjuster: Suggested Study Strategy

1Master New Hampshire's public adjuster licensing requirements and statutes
2Understand the difference between public, independent, and staff adjusters
3Study insurance policy structure: declarations, conditions, exclusions
4Know New Hampshire's fee cap regulations and solicitation rules
5Review claims documentation and damage assessment procedures

Frequently Asked Questions

What does the New Hampshire public adjuster exam cover?

The NH PA exam covers New Hampshire insurance laws, policyholder advocacy, claims processes, policy interpretation, fee regulations, and professional ethics.

What is the passing score for the New Hampshire PA exam?

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

What bond is required for New Hampshire public adjusters?

New Hampshire requires public adjusters to obtain a surety bond as part of the licensing process. The bond amount is set by the NH Insurance Department.

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.