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Exam Review

Key Facts: NJ Public Adjuster Exam

70%

Passing Score

PSI content outline

70 Q

Exam Questions

PSI content outline

3.5 hrs

Exam Time

PSI content outline

15 hrs

CE Per 2-Year Cycle

NJ DOBI

$10,000

Minimum Bond

NJ DOBI

New Jersey requires public adjusters to pass a state licensing exam, obtain a surety bond, and meet continuing education requirements. PAs represent policyholders in insurance claims, helping navigate complex property damage settlements.

Sample NJ Public Adjuster Practice Questions

Try these sample questions to review concepts for the NJ 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 Jersey law, who does a public adjuster represent?
A.The insurance company
B.The policyholder/insured
C.The state Department of Banking and Insurance
D.The reinsurer
Explanation: Under the New Jersey Public Adjusters' Licensing Act (N.J.S.A. 17:22B), a public adjuster represents the policyholder (insured) in negotiating and settling insurance claims. No adjuster shall act on behalf of an insured unless licensed as a public adjuster.
2What is the governing statute for public adjuster licensing in New Jersey?
A.N.J.S.A. 17:22A
B.N.J.S.A. 17:22B-1 et seq.
C.N.J.S.A. 17:29B
D.N.J.S.A. 17:33A
Explanation: The Public Adjusters' Licensing Act, N.J.S.A. 17:22B-1 et seq., is the governing statute for public adjuster licensing in New Jersey. It establishes the requirements for licensure, conduct, and regulation of public adjusters in the state.
3What is the minimum surety bond amount required for an individual public adjuster license in New Jersey?
A.$5,000
B.$10,000
C.$20,000
D.$50,000
Explanation: Under N.J.S.A. 17:22B-12, New Jersey requires public adjusters to maintain a $10,000 surety bond. If sublicensees are named under the license, an additional $10,000 bond per sublicensee is required.
4Which New Jersey agency oversees the licensing of public adjusters?
A.The NJ Division of Consumer Affairs
B.The NJ Department of Banking and Insurance (DOBI)
C.The NJ Attorney General's Office
D.The NJ Department of Labor
Explanation: The New Jersey Department of Banking and Insurance (DOBI) oversees the licensing and regulation of public adjusters under N.J.S.A. 17:22B-3. The Commissioner of Banking and Insurance administers the licensing requirements.
5How long is the term of a New Jersey public adjuster license?
A.One year
B.Two years
C.Three years
D.Four years
Explanation: The New Jersey Public Adjuster License is valid for two years and expires on the last day of the adjuster's birth month. This was changed from a four-year term to a two-year term effective July 4, 2011.
6How many hours of continuing education must a New Jersey public adjuster complete every two years?
A.10 hours
B.12 hours
C.15 hours
D.24 hours
Explanation: Under N.J.S.A. 17:22B-10c, every individual licensed public adjuster must complete not less than 15 hours of approved continuing education courses related to public adjusting during each biennial license term as a condition of renewal.
7Under N.J.S.A. 17:22B-3, who is prohibited from acting as a public adjuster without a license?
A.Only individuals
B.Only corporations
C.Any individual, firm, association, or corporation
D.Only nonresidents
Explanation: N.J.S.A. 17:22B-3(a) states that no individual, firm, association, or corporation shall act as an adjuster in New Jersey unless authorized by a license issued or renewed pursuant to the Act. This covers all forms of business entities.
8What documentation must an individual applicant for a NJ public adjuster license submit with their application?
A.Only a completed application form
B.Two passport-size photographs and fingerprints of both hands
C.A college diploma
D.A referral from an active public adjuster
Explanation: Under N.J.S.A. 17:22B-6(b), each individual applicant must submit two passport-size photographs and fingerprints of both hands taken by a state or municipal law enforcement agency, in addition to the completed application form and required fees.
9Under NJ law, who cannot be issued a public adjuster license?
A.Anyone under 21 years old
B.Anyone who has been convicted of an indictable offense or a crime involving fraud or dishonesty
C.Anyone who does not have a college degree
D.Anyone who has lived in NJ for less than 5 years
Explanation: Under N.J.S.A. 17:22B-6(b), no license shall be issued to any person who has ever been convicted of an indictable offense, or of any crime or offense involving fraud or dishonesty. This protects the public from unscrupulous adjusters.
10Under N.J.S.A. 17:22B-8, who may receive a license without examination?
A.Any applicant who pays an additional fee
B.A person who has been employed as a public adjuster for at least five years prior to the effective date of the Act
C.A person who passes a background check
D.A person with an insurance agent license
Explanation: Under N.J.S.A. 17:22B-8, a person who has been employed as or acted as a public adjuster as their principal business for five years immediately prior to the effective date of the Act, and who has demonstrated trustworthiness and competence, may be granted a license without examination.

About the NJ Public Adjuster Exam

The New Jersey public adjuster exam has 70 scored questions on property loss adjusting, insurance terms and related concepts, basic personal and commercial policy forms, and the Public Adjusters' Licensing Act (N.J.S.A. 17:22B).

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

Questions

70 questions

Time Limit

3.5 hours

Passing Score

70%

Exam / Certification Fees

$38

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.

21%

Property Loss Adjusting

Who and what is insured, causes of loss, coinsurance, insured's duties after a loss, appraisal, loss adjusting, estimates, residential construction evaluation, catastrophe and the federal flood program (15 questions)

21%

Insurance Terms and Related Concepts

Insurable interest, risk, hazard, peril, direct and indirect loss, proximate cause, deductible, indemnity, actual cash value, replacement cost, limits, occurrence, subrogation, proof of loss, vacancy (15 questions)

29%

Basic Policy Forms

Personal lines (dwelling, homeowners, condominium, flood), commercial lines (commercial property, business income, extra expense, CPP, equipment breakdown, BOP) and inland marine (20 questions)

29%

Public Adjustment Licensing Act

Licensure and bond, sublicensees, refusal and revocation, penalties, reporting, escrow accounts, record keeping, right to compensation, fraud, solicitation, ethics and continuing education under N.J.S.A. 17:22B and N.J.A.C. 11:1-37 (20 questions)

Preparing for the NJ Public Adjuster Exam

What You Need to Know

  • Passing score: 70%
  • Exam length: 70 questions
  • Time limit: 3.5 hours
  • Exam / certification fees: $38 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

NJ Public Adjuster: Suggested Study Strategy

1Master New Jersey'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 Jersey's written-contract, three-business-day cancellation and solicitation-hour rules
5Review claims documentation and damage assessment procedures

Frequently Asked Questions

What does the New Jersey public adjuster exam cover?

The PSI exam has 70 scored questions in 3.5 hours: 15 on property loss adjusting, 15 on insurance terms and related concepts, 20 on basic policy forms, and 20 on the Public Adjusters' Licensing Act (N.J.S.A. 17:22B).

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

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

What bond is required for New Jersey public adjusters?

New Jersey requires a performance bond of at least $10,000 under N.J.S.A. 17:22B-12, filed with the Commissioner of Banking and Insurance before the license is issued. The bond must be maintained for the term of the license.

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.