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Which Tennessee state agency is responsible for licensing and regulating public adjusters?

Tennessee Department of Financial Institutions

Tennessee Department of Commerce and Insurance

Tennessee Secretary of State

Tennessee Department of Consumer Affairs

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Key Facts: TN Public Adjuster Exam

70%

Passing Score

TN DCI

100 Q

Practice Questions

OpenExamPrep

2 hrs

Exam Time

TN DCI

24 hrs

CE Per Cycle

TN DCI

Bond

Surety Bond Required

TN DCI

Tennessee requires public adjusters to pass a state licensing exam, obtain a surety bond, and meet continuing education requirements. PAs represent policyholders in insurance claims, advocating for fair property damage settlements.

Sample TN Public Adjuster Practice Questions

Try these sample questions to test your TN Public Adjuster exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 200+ question experience with AI tutoring.

1Which Tennessee state agency is responsible for licensing and regulating public adjusters?

A.Tennessee Department of Financial Institutions

B.Tennessee Department of Commerce and Insurance

C.Tennessee Secretary of State

D.Tennessee Department of Consumer Affairs

Explanation: The Tennessee Department of Commerce and Insurance (TDCI), Insurance Division, is the state agency responsible for licensing and regulating public adjusters in Tennessee. The TDCI oversees all public adjuster licensing, examinations, and enforcement actions under T.C.A. Title 56, Chapter 6.

2Under Tennessee law, what is the primary function of a public adjuster?

A.To sell insurance policies to consumers

B.To investigate claims on behalf of the insurance company

C.To adjust losses on behalf of policyholders (insureds)

D.To audit insurance companies for the state

Explanation: A public adjuster in Tennessee adjusts losses on behalf of policyholders (insureds). Unlike company or independent adjusters who work for insurance companies, public adjusters exclusively represent the policyholder's interests in negotiating insurance claims and settlements.

3What Tennessee statute requires public adjusters to obtain a license?

A.T.C.A. § 56-6-101

B.T.C.A. § 56-6-903

C.T.C.A. § 56-7-101

D.T.C.A. § 56-2-301

Explanation: Tennessee Code Annotated § 56-6-903 requires public adjusters operating in the state to obtain a license from the Department of Commerce and Insurance. This statute is part of the broader public adjuster regulatory framework in T.C.A. §§ 56-6-901 et seq.

4What is the surety bond amount required for a Tennessee public adjuster license?

A.$10,000

B.$25,000

C.$50,000

D.$100,000

Explanation: Tennessee law requires all licensed public adjusters to post a $50,000 surety bond as part of the licensing process. This bond protects the public by ensuring adjusters comply with state regulations and conduct business ethically. The bond must be maintained throughout the duration of the license.

5What amount of Errors and Omissions (E&O) insurance must a Tennessee public adjuster maintain?

A.$100,000

B.$250,000

C.$500,000

D.$1,000,000

Explanation: Tennessee mandates that all public adjusters maintain an Errors and Omissions (E&O) insurance policy with a minimum limit of $500,000. Proof of this E&O policy must be filed with the public adjuster licensing paperwork and maintained throughout the term of the license.

6What is the licensing fee for a Tennessee public adjuster application?

A.$50

B.$75

C.$100

D.$150

Explanation: The non-refundable filing fee for a Tennessee public adjuster license application is $100. This fee must be submitted along with the completed application form and all other required documentation to the Tennessee Department of Commerce and Insurance.

7What examination must Tennessee public adjuster applicants pass?

A.A federal NAIC examination

B.A written examination testing knowledge of PA duties and Tennessee insurance laws

C.Only an ethics examination

D.No examination is required

Explanation: All individuals applying for a Tennessee public adjuster license must pass a written examination that tests the applicant's knowledge of the duties and responsibilities of a public adjuster and the insurance laws and regulations of Tennessee. The exam is administered by Pearson VUE.

8Who administers the Tennessee public adjuster licensing examination?

A.Prometric

B.PSI Services

C.Pearson VUE

D.The Department directly

Explanation: The Tennessee public adjuster licensing examination is administered by Pearson VUE. Applicants must schedule their examination and pay the examination fee directly to Pearson VUE. Exam scores are electronically submitted to the Department by Pearson VUE.

9How long is a Tennessee public adjuster license valid?

A.One year

B.Two years

C.Three years

D.Five years

Explanation: A Tennessee public adjuster license is valid for two years. The surety bond term also matches this two-year license period. Licensees must renew their license before expiration to continue practicing as a public adjuster in the state.

10What happens if a Tennessee public adjuster candidate fails the licensing exam three times?

A.They are permanently barred from retaking the exam

B.They must wait one year before retaking the exam and file a new application with fees

C.They can retake it immediately with no restrictions

D.They must complete 40 hours of pre-licensing education

Explanation: An individual who has not successfully passed the Tennessee public adjuster examination after three attempts must wait one year before retaking the exam. The individual must also file a new application with the State accompanied by the appropriate filing fees.

About the TN Public Adjuster Exam

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

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

Varies (Tennessee Department of Commerce and Insurance)

TN Public Adjuster Exam Content Outline

20%

TN PA Licensing

Tennessee 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%

TN Regulations

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

15%

Professional Practice

Client relations, PA contracts, fraud prevention, ethical standards

How to Pass the TN 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

TN Public Adjuster Study Tips from Top Performers

1Master Tennessee's public adjuster licensing requirements and statutes

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

3Study insurance policy structure: declarations, conditions, exclusions

4Know Tennessee's fee cap regulations and solicitation rules

5Review claims documentation and damage assessment procedures

Frequently Asked Questions

What does the Tennessee public adjuster exam cover?

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

What is the passing score for the Tennessee PA exam?

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

What bond is required for Tennessee public adjusters?

Tennessee requires public adjusters to obtain a surety bond as part of the licensing process. The bond amount is set by the Department of Commerce and Insurance.

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.