300+ Free RI Claims Adjuster Practice Questions

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What does the Functional Replacement Cost endorsement do?

Reduces coverage to actual cash value

Always pays replacement cost regardless of the property's age

Eliminates the deductible

Allows replacement with less expensive, functionally equivalent property when antique or custom construction is damaged

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Key Facts: RI 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

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

Sample RI Claims Adjuster Practice Questions

Try these sample questions to test your RI 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 R.I. Gen. Laws § 27-10-3, what must an applicant demonstrate to be issued a claims adjuster license in Rhode Island?

A.Only passage of the examination

B.Be at least 18 years old, eligible to designate Rhode Island as home state, trustworthy and reliable, pass the exam, and pay the $250 fee

C.Only a college degree and work experience

D.Only payment of the licensing fee

Explanation: R.I. Gen. Laws § 27-10-3 requires applicants to: (1) be at least 18 years old, (2) be eligible to designate RI as home state, (3) be trustworthy, reliable, and of good reputation, (4) have no disqualifying conduct, (5) pass the exam, and (6) pay a $250 fee.

2What is the licensing fee for a Rhode Island adjuster license under R.I. Gen. Laws § 27-10-3?

A.$100

B.$150

C.$200

D.$250

Explanation: R.I. Gen. Laws § 27-10-3(a)(6) specifies that applicants must pay a fee of two hundred fifty dollars ($250) as part of the licensing requirements for a Rhode Island adjuster license.

3Which Rhode Island agency oversees the licensing and regulation of insurance claims adjusters?

A.Rhode Island Secretary of State

B.Rhode Island Department of Business Regulation, Division of Insurance

C.Rhode Island Attorney General's Office

D.Rhode Island Department of Revenue

Explanation: The Rhode Island Department of Business Regulation (DBR), specifically the Division of Insurance, handles testing, licensing, and regulation of insurance claims adjusters in the state.

4Under Rhode Island law, what types of adjuster licenses may be issued?

A.Only public adjuster licenses

B.Public adjuster, company adjuster, or independent adjuster licenses

C.Only company adjuster licenses

D.Only independent adjuster licenses

Explanation: R.I. Gen. Laws § 27-10-5 provides that unless denied licensure, persons who have met the requirements shall be issued either a public, company, or independent adjuster license. Each type serves a different role in the claims process.

5What lines of authority are available for company or independent adjusters in Rhode Island?

A.Life and health only

B.Property and casualty, Workers' Compensation, or Crop

C.Auto only

D.Commercial property only

Explanation: Under R.I. Gen. Laws § 27-10-5(b), a company or independent adjuster may qualify for a license in one or more of the following lines: (1) Property and casualty, (2) Workers' Compensation, or (3) Crop.

6Can an individual hold both a public adjuster and a company or independent adjuster license in Rhode Island at the same time?

A.Yes, both can be held simultaneously

B.No, an individual may not hold both a public adjuster and a company or independent adjuster license at the same time

C.Only with special permission from the Commissioner

D.Only if they work for different companies

Explanation: R.I. Gen. Laws § 27-10-5(c) specifically prohibits an individual from holding both a public adjuster and a company or independent adjuster license simultaneously. This prevents conflicts of interest between representing insurers and representing insureds.

7Under 230-RICR-20-50-4.4, what happens when an adjuster does business under a name other than their legal name?

A.No notification is required

B.The adjuster must notify and obtain the consent of the Department before using the assumed name

C.The adjuster only needs to update their business cards

D.The assumed name must be registered with the Secretary of State only

Explanation: 230-RICR-20-50-4.4(C) requires that an insurance adjuster doing business under any name other than their legal name must notify and obtain consent from the Department prior to using the assumed name.

8How often are Rhode Island adjuster licenses issued?

A.Annually

B.On a biennial basis

C.Every three years

D.Indefinitely

Explanation: Under 230-RICR-20-50-4.4(D), each adjuster license in Rhode Island is issued on a biennial (two-year) basis. An adjuster who obtains a license during the term will receive it for the remaining period and must renew at expiration.

9Who is exempt from the adjuster licensing requirement in Rhode Island under 230-RICR-20-50-4.4(E)?

A.All employees of insurance companies

B.An attorney-at-law admitted to practice in Rhode Island when acting in their professional capacity

C.Any person with a college degree

D.Licensed real estate agents

Explanation: 230-RICR-20-50-4.4(E)(1) exempts an attorney-at-law admitted to practice in Rhode Island from the adjuster licensing requirement when acting in their professional capacity as an attorney.

10What is the minimum age requirement for a Rhode Island adjuster license?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: R.I. Gen. Laws § 27-10-3(a)(1) requires that an applicant for a Rhode Island adjuster license must be at least eighteen (18) years of age.

About the RI Claims Adjuster Exam

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

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

varies (Rhode Island DOI)

RI 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 RI 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

RI 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 Rhode Island 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.