300+ Free OR Claims Adjuster Practice Questions

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What are the four essential elements of a valid insurance contract?

Application, underwriting, binding, and issuance

Offer, acceptance, consideration, and competent parties

Agent, insurer, insured, and beneficiary

Premium, deductible, limit, and exclusion

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2026 Statistics

Key Facts: OR 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

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

Sample OR Claims Adjuster Practice Questions

Try these sample questions to test your OR 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 ORS 744.505, what is required before a person can engage in business as an adjuster in Oregon?

A.A college degree in insurance

B.A license obtained under ORS 744.521

C.A surety bond of $50,000

D.An appointment by an authorized insurer

Explanation: ORS 744.505 states that a person may not engage in business as an adjuster unless the person has obtained a license under ORS 744.521. This is the foundational requirement for all adjusters operating in Oregon.

2Which Oregon agency regulates insurance claims adjusters?

A.Oregon Department of Commerce

B.Oregon Division of Financial Regulation (DFR)

C.Oregon Attorney General's Office

D.Oregon Department of Revenue

Explanation: The Oregon Division of Financial Regulation (DFR), within the Department of Consumer and Business Services, is the regulatory body overseeing insurance adjusters. The DFR Director has authority to issue, renew, amend, suspend, and reinstate adjuster licenses.

3Under ORS 744.515(1), which person is exempt from the adjuster licensing requirement in Oregon?

A.A contractor who estimates repair costs

B.A licensed resident insurance producer or salaried employee of an authorized insurer adjusting losses for that insurer

C.Any attorney admitted to any state bar

D.A certified public accountant

Explanation: ORS 744.515(1) exempts a licensed resident insurance producer or salaried employee or officer of an authorized insurer from obtaining an adjuster's license when adjusting and settling losses for the insurer they represent.

4Under ORS 744.515(2), can a person make an adjustment before obtaining an adjuster's license?

A.No, never under any circumstances

B.Yes, one adjustment if the person applies for a license within two days

C.Yes, unlimited adjustments for up to 30 days

D.Yes, but only with written permission from the Director

Explanation: ORS 744.515(2) allows a person to make one adjustment before obtaining an adjuster's license, provided the person applies for the license within two days after entering upon the adjustment and otherwise complies with all adjusting requirements.

5What classes of insurance are available for Oregon adjuster licenses under ORS 744.531?

A.Life and health only

B.Property and casualty only

C.General lines adjuster covering property and casualty

D.Workers' compensation only

Explanation: Under ORS 744.531, Oregon issues adjuster licenses for general lines covering property and casualty insurance. The classes of insurance for adjusters are defined by statute and determine the scope of claims an adjuster can handle.

6What is the minimum age requirement to apply for an Oregon adjuster license?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: Oregon requires adjuster license applicants to be at least 18 years old. This is a standard eligibility requirement set by the Oregon Division of Financial Regulation for all adjuster license categories.

7What are the continuing education requirements for Oregon resident adjusters?

A.12 hours annually

B.24 hours biennially, including 3 hours of ethics and 3 hours of Oregon law

C.36 hours every three years

D.No continuing education required

Explanation: Oregon resident adjusters must complete 24 hours of continuing education before license renewal on a biennial basis. The 24 hours must include 3 hours of ethics and 3 hours of Oregon law. Credit cannot be received for any course more than once per CE reporting period.

8Under Oregon regulations, can excess continuing education hours be carried over into the next compliance cycle?

A.Yes, all excess hours carry over

B.Yes, up to 12 hours may carry over

C.No, excess hours cannot be carried over

D.Only ethics hours may carry over

Explanation: Oregon does not allow excess continuing education hours to be carried over into the next compliance cycle. Adjusters must complete the full 24 hours of CE during each biennial reporting period, regardless of how many hours were completed in the prior period.

9Under ORS 744.555, what type of permit may be issued during unusual circumstances requiring additional adjusters?

A.Provisional license

B.Temporary adjuster permit

C.Emergency certification

D.Catastrophe waiver

Explanation: ORS 744.555 authorizes the issuance of a temporary adjuster permit, which allows a person to perform acts authorized under the statute without obtaining a full adjuster's license. This is used during catastrophes or emergencies when more adjusters are needed.

10Under ORS 744.515(4), who may adjust maritime losses without obtaining an adjuster's license in Oregon?

A.Any licensed insurance producer

B.An average adjuster or adjuster of maritime losses

C.Only federal employees

D.Only attorneys admitted to practice in Oregon

Explanation: ORS 744.515(4) provides that any average adjuster or adjuster of maritime losses may adjust maritime losses without obtaining an adjuster's license. This exemption recognizes the specialized nature of maritime adjusting.

About the OR Claims Adjuster Exam

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

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

varies (Oregon DOI)

OR 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 OR 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

OR 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 Oregon 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.