300+ Free NY Claims Adjuster Practice Questions

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Question 1

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What is the purpose of the Voluntary Compensation endorsement?

To make workers compensation optional

To extend workers compensation benefits to employees who are not required to be covered (such as exempt employees)

To reduce premiums

To eliminate benefits

to track

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2026 Statistics

Key Facts: NY Claims Adjuster Exam

70%

Passing Score

DOI

100 Q

Practice Questions

OpenExamPrep

24 hrs

CE Per Cycle

DOI

2 hrs

Exam Time

DOI

varies

Exam Fee

LicenseMap 2026

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

Sample NY Claims Adjuster Practice Questions

Try these sample questions to test your NY 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 York Insurance Law Section 2108, what types of adjuster licenses are available?

A.Only public adjuster and staff adjuster

B.Independent adjuster and public adjuster

C.Only independent adjuster

D.Staff adjuster, independent adjuster, and public adjuster

Explanation: Under NY Insurance Law Section 2108, New York issues two main types of adjuster licenses: independent adjuster (IA) licenses and public adjuster (PA) licenses. Staff adjusters working for insurers fall under the independent adjuster category.

2What is the minimum age requirement to obtain an adjuster license in New York?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: New York requires all adjuster license applicants to be at least 18 years of age.

3Does New York offer reciprocity for adjuster licenses with other states?

A.Yes, New York has reciprocity with all states

B.No, there is no reciprocity for adjuster licenses — all applicants must pass the New York examination

C.Yes, but only with neighboring states

D.Reciprocity is available only for public adjusters

Explanation: New York does NOT offer reciprocity for adjuster licenses. All adjuster applicants, whether resident or non-resident, must pass the New York state examination. This makes NY one of the strictest states for adjuster licensing.

4What is the NY General Adjuster license series designation?

A.Series 17-64

B.Series 17-66

C.Series 17-70

D.Series 17-72

Explanation: The New York General Adjuster license is Series 17-70. This is the most comprehensive license covering the most lines of authority and is the most in-demand adjuster license in New York.

5How many questions are on the NY adjuster licensing exam and what is the passing score?

A.50 questions, 60% passing score

B.75 questions, 65% passing score

C.100 questions, 70% passing score

D.150 questions, 75% passing score

Explanation: The NY adjuster licensing exam (Series 17-70) consists of 100 questions with a 2-hour time limit. Candidates must score at least 70% to pass.

6What is the licensing period for NY adjuster licenses?

A.Annual (January 1 to December 31)

B.Biennial: January 1 of odd years to December 31 of even years

C.3 years from date of issue

D.5 years from date of issue

Explanation: NY adjuster licenses (both IA and PA) have a biennial licensing period running from January 1 of odd years to December 31 of even years.

7What is the full licensing fee for a NY adjuster license?

A.$50

B.$75

C.$100

D.$150

Explanation: The full licensing fee for a New York adjuster license (both IA and PA) is $100. The half-period fee is $50.

8How many Certificates of Character must be submitted with a NY adjuster license application?

A.2

B.3

C.5

D.10

Explanation: NY adjuster applicants must submit 5 Certificates of Character from community members who have personally known the applicant for at least 5 years and can certify to their honesty, competence, and good character.

9What bond amount is required for a public adjuster license in New York?

A.$500

B.$1,000

C.$5,000

D.$10,000

Explanation: Under NY Insurance Law Section 2108, public adjuster applicants must file a $1,000 surety bond before being licensed to work in New York.

10What pre-licensing requirement exists for first-time NY public adjuster applicants?

A.No pre-licensing requirements exist

B.40 hours of formal training in an approved course, or 1 year of insurance industry experience in sales, underwriting, or claims

C.100 hours of supervised adjusting experience

D.A college degree in insurance or related field

Explanation: First-time NY public adjuster applicants must complete 40 hours of formal training in a DFS-approved prelicensing course, or demonstrate at least 1 year of insurance industry experience in sales, underwriting, or claims within the preceding 3 years.

About the NY Claims Adjuster Exam

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

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

varies (New York DOI)

NY 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 NY Claims 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

NY 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 York 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.