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Question 1

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Under Oregon law, which statute requires a person to obtain a license before engaging in business as an adjuster?

ORS 744.505

ORS 744.053

ORS 731.244

ORS 746.230

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Key Facts: OR Public Adjuster Exam

70%

Passing Score

OR DFR

100 Q

Practice Questions

OpenExamPrep

2 hrs

Exam Time

OR DFR

24 hrs

CE Per Cycle

OR DFR

Bond

Surety Bond Required

OR DFR

Oregon 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 negotiate fair property damage settlements.

Sample OR Public Adjuster Practice Questions

Try these sample questions to test your OR 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 Oregon law, which statute requires a person to obtain a license before engaging in business as an adjuster?

A.ORS 744.505

B.ORS 744.053

C.ORS 731.244

D.ORS 746.230

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 licensing requirement for all adjusters, including public adjusters, in Oregon.

2Which Oregon agency regulates public adjusters?

A.Oregon Department of Commerce

B.Oregon Division of Financial Regulation (DFR)

C.Oregon Attorney General's Office

D.Oregon Consumer Protection Bureau

Explanation: The Oregon Division of Financial Regulation (DFR), within the Department of Consumer and Business Services, regulates all insurance adjusters including public adjusters. The Director of DFR has authority to issue, suspend, and revoke adjuster licenses.

3What is the exam series designation for the Oregon Public Adjuster examination?

A.Series 12-10

B.Series 12-12

C.Series 12-14

D.Series 12-16

Explanation: The Oregon Public Adjuster examination is designated as Series 12-12. It consists of 100 questions with a 120-minute time limit, covering insurance regulation, claim settlement laws, general insurance concepts, and property insurance topics.

4How many questions are on the Oregon Public Adjuster examination (Series 12-12)?

A.60 questions

B.80 questions

C.100 questions

D.120 questions

Explanation: The Oregon Public Adjuster examination (Series 12-12) contains 100 questions. Candidates are given 120 minutes (2 hours) to complete the exam, which covers insurance regulation (15%), claim settlement laws, general insurance concepts, and various property insurance topics.

5How much time is allotted for the Oregon Public Adjuster exam?

A.60 minutes

B.90 minutes

C.120 minutes

D.180 minutes

Explanation: The Oregon Public Adjuster examination allows 120 minutes (2 hours) for candidates to answer all 100 questions. Effective time management is important given the breadth of topics covered.

6What percentage of the Oregon Public Adjuster exam is dedicated to Insurance Regulation?

A.10%

B.15%

C.20%

D.25%

Explanation: The Insurance Regulation section accounts for 15% (15 items) of the Oregon Public Adjuster exam. This section covers licensing requirements under ORS 744.505, qualifications under ORS 744.002 and .525, types of licensees, maintenance and duration, and disciplinary actions.

7What is the minimum age to apply for an Oregon adjuster license?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: To apply for an Oregon adjuster license, including a public adjuster license, the applicant must be at least 18 years old. This is a standard eligibility requirement set by the Oregon Division of Financial Regulation.

8What is the exam fee for the Oregon adjuster examination?

A.$35

B.$45

C.$55

D.$65

Explanation: The exam fee for the Oregon adjuster examination is $45, paid to the testing provider (PSI) when registering for the exam. This is separate from the licensing fee and fingerprinting costs.

9What is the licensing fee for an Oregon adjuster license?

A.$45

B.$55

C.$75

D.$100

Explanation: The licensing fee for an Oregon adjuster license is $75. This fee is paid when submitting the license application through NIPR, in addition to the exam fee and fingerprinting costs.

10Does Oregon require fingerprinting for adjuster license applicants?

A.No, fingerprinting is not required

B.Yes, fingerprints are required and processed according to Oregon PSI Fingerprint Instructions

C.Only for nonresident applicants

D.Only for applicants with prior criminal records

Explanation: Oregon requires all adjuster license applicants to submit fingerprints as part of the licensing process. The fingerprinting fee is $61.25, processed according to Oregon PSI Fingerprint Instructions for criminal background checks.

About the OR Public Adjuster Exam

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

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

Varies (Oregon Division of Financial Regulation)

OR Public Adjuster Exam Content Outline

20%

OR PA Licensing

Oregon 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%

OR Regulations

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

15%

Professional Practice

Client relations, PA contracts, fraud prevention, ethical standards

How to Pass the OR 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

OR Public Adjuster Study Tips from Top Performers

1Master Oregon's public adjuster licensing requirements and statutes

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

3Study insurance policy structure: declarations, conditions, exclusions

4Know Oregon's fee cap regulations and solicitation rules

5Review claims documentation and damage assessment procedures

Frequently Asked Questions

What does the Oregon public adjuster exam cover?

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

What is the passing score for the Oregon PA exam?

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

What bond is required for Oregon public adjusters?

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

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.