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Under Oklahoma law, which statute requires public adjusters to obtain a license before practicing?

Oklahoma Insurance Code § 6200

Oklahoma Insurance Code § 6223

Oklahoma Insurance Code § 6300

Oklahoma Insurance Code § 1435

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Key Facts: OK Public Adjuster Exam

70%

Passing Score

OK OID

100 Q

Practice Questions

OpenExamPrep

2 hrs

Exam Time

OK OID

24 hrs

CE Per Cycle

OK OID

Bond

Surety Bond Required

OK OID

Oklahoma 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 tornado and storm damage settlements.

Sample OK Public Adjuster Practice Questions

Try these sample questions to test your OK 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 Oklahoma law, which statute requires public adjusters to obtain a license before practicing?

A.Oklahoma Insurance Code § 6200

B.Oklahoma Insurance Code § 6223

C.Oklahoma Insurance Code § 6300

D.Oklahoma Insurance Code § 1435

Explanation: Oklahoma Insurance Code § 6223 requires that any person acting as a public adjuster must first obtain a license from the Oklahoma Insurance Department. Acting as an unlicensed public adjuster is a misdemeanor under Oklahoma law.

2What is the minimum surety bond amount required for a public adjuster in Oklahoma?

A.$1,000

B.$10,000

C.$25,000

D.$50,000

Explanation: Oklahoma requires all public adjusters to file a surety bond in the amount of $25,000 with the Insurance Commissioner. This bond amount was increased from $10,000 to $25,000 by SB 439, signed into law in 2015, to better protect consumers.

3What is the minimum passing score required on the Oklahoma public adjuster examination?

A.60%

B.65%

C.70%

D.80%

Explanation: Oklahoma requires a minimum passing score of 70% on the PSI public adjuster examination. The exam tests both general insurance knowledge and state-specific regulations governing public adjusters.

4What is the minimum age requirement to apply for an Oklahoma public adjuster license?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: To apply for a public adjuster license in Oklahoma, the applicant must be at least 18 years old and a U.S. citizen. These are baseline eligibility requirements set by the Oklahoma Insurance Department.

5Which Oklahoma agency regulates public insurance adjusters?

A.Oklahoma Department of Commerce

B.Oklahoma Attorney General's Office

C.Oklahoma Insurance Department (OID)

D.Oklahoma Department of Consumer Affairs

Explanation: The Oklahoma Insurance Department (OID), headed by the Insurance Commissioner, is the state agency that regulates public insurance adjusters. The OID oversees licensing, enforcement, and consumer protection for all insurance-related professionals in Oklahoma.

6What is the application fee for a public adjuster license in Oklahoma?

A.$20

B.$30

C.$50

D.$100

Explanation: The application fee for a public adjuster license in Oklahoma is $30, paid through the NIPR system. This fee is separate from the exam fee and surety bond costs required for licensing.

7Under Oklahoma law, who does a public adjuster represent?

A.The insurance company

B.The Oklahoma Insurance Department

C.The policyholder (insured)

D.Both the insurer and the insured equally

Explanation: A public adjuster in Oklahoma acts as the agent of the insured (policyholder) in negotiating or settling property insurance claims. The public adjuster has a duty to act in the best interest of the insured, not the insurance company.

8What piece of legislation, signed in 2015 by Governor Mary Fallin, significantly modified Oklahoma's public adjuster regulations?

A.HB 1084

B.SB 439

C.HB 1501

D.SB 220

Explanation: SB 439, signed by Governor Mary Fallin on May 11, 2015, modified and strengthened Oklahoma's public adjuster regulations. It increased bond requirements, established contract requirements, and implemented new consumer protection measures for storm victims.

9Under Oklahoma's SB 439, what must every public adjuster contract include at a minimum?

A.Only the adjuster's phone number

B.Only the insured's name

C.The legible full name of the public adjuster, business address, phone number, license number, and the title 'Public Adjuster Contract'

D.Only the fee amount

Explanation: SB 439 requires every public adjuster contract to include the adjuster's legible full name, permanent home state business address, phone number, Department license number, the title 'Public Adjuster Contract,' the insured's information, a description of the loss, and signatures of both parties.

10What penalty does Oklahoma law impose for acting as an unlicensed public adjuster?

A.A felony conviction

B.A misdemeanor as set forth in Section 10 of Title 21 of the Oklahoma Statutes

C.A civil fine of $50

D.No penalty; it is only an administrative violation

Explanation: Under the Oklahoma Insurance Adjusters Licensing Act, any person who acts as an adjuster without first obtaining a license is guilty of a misdemeanor and shall be punished as set forth in Section 10 of Title 21 of the Oklahoma Statutes.

About the OK Public Adjuster Exam

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

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

Varies (Oklahoma Insurance Department)

OK Public Adjuster Exam Content Outline

20%

OK PA Licensing

Oklahoma 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%

OK Regulations

Fee caps, solicitation rules, letter of representation, Oklahoma statutes

15%

Professional Practice

Client relations, PA contracts, fraud prevention, ethical standards

How to Pass the OK 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

OK Public Adjuster Study Tips from Top Performers

1Master Oklahoma's public adjuster licensing requirements and statutes

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

3Study insurance policy structure: declarations, conditions, exclusions

4Know Oklahoma's fee cap regulations and solicitation rules

5Review tornado and storm damage claims documentation procedures

Frequently Asked Questions

What does the Oklahoma public adjuster exam cover?

The OK PA exam covers Oklahoma insurance laws, policyholder advocacy, claims processes, policy interpretation, fee regulations, and professional ethics.

What is the passing score for the Oklahoma PA exam?

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

What bond is required for Oklahoma public adjusters?

Oklahoma requires public adjusters to obtain a surety bond as part of the licensing process. The bond amount is set by the Oklahoma 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.