300+ Free TX Claims Adjuster Practice Questions

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What is the purpose of the Jewelry and Furs Floater?

To cover only stolen jewelry

To cover only inexpensive jewelry

To exclude jewelry from coverage

To provide higher limits and broader coverage for valuable jewelry and furs

to track

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2026 Statistics

Key Facts: TX Claims Adjuster Exam

70%

Passing Score

DOI

100 Q

Practice Questions

OpenExamPrep

24 hrs

CE Per Cycle

DOI

2 hrs

Exam Time

DOI

$93

Exam Fee

LicenseMap 2026

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

Sample TX Claims Adjuster Practice Questions

Try these sample questions to test your TX 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 Texas Insurance Code Chapter 4101, what is the definition of an 'adjuster'?

A.Only a person who sells insurance policies

B.A person who investigates or adjusts losses on behalf of an insurer, or supervises the handling of claims

C.Only a person who appraises property

D.Only an attorney handling insurance cases

Explanation: Texas Insurance Code § 4101.001(a)(1) defines an 'adjuster' as a person who investigates or adjusts losses on behalf of an insurer (as an independent contractor or employee of various entities), or supervises the handling of claims.

2Which Texas agency regulates insurance claims adjusters?

A.Texas Workforce Commission

B.Texas Department of Insurance (TDI)

C.Texas Attorney General's Office

D.Texas Comptroller of Public Accounts

Explanation: The Texas Department of Insurance (TDI) regulates insurance adjusters under Insurance Code Chapter 4101. TDI handles licensing, examinations, continuing education, and disciplinary actions for all types of adjusters in Texas.

3What types of adjuster licenses does Texas offer under 28 TAC § 19.602?

A.Only property adjuster and casualty adjuster

B.All Lines, Property/Casualty/Surety, and Workers' Compensation/Employer's Liability/USL&H

C.Only public adjuster and independent adjuster

D.Only fire and auto adjuster

Explanation: 28 TAC § 19.602(a) establishes three types of adjuster licenses: (1) All Lines (combining both categories), (2) Property, Casualty, and Surety, and (3) Workers' Compensation, Employer's Liability, USL&H. The All Lines license covers both categories.

4What is the Texas All Lines Adjuster license?

A.A license for property claims only

B.A comprehensive license that combines Property/Casualty/Surety with Workers' Compensation, allowing adjusters to handle all types of claims in Texas

C.A license for life insurance claims only

D.A temporary emergency license

Explanation: The Texas All Lines adjuster license is the most comprehensive license type, combining the authority of both the Property/Casualty/Surety license and the Workers' Compensation/Employer's Liability/USL&H license. It allows adjusters to handle virtually all types of insurance claims in Texas.

5What is the minimum age requirement for a Texas adjuster license?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: Texas requires adjuster license applicants to be at least 18 years old. Applicants must also be a United States citizen or legal alien possessing work authorization from US Immigration and Naturalization Services.

6What pre-licensing education is required for a Texas adjuster license?

A.No pre-licensing education required

B.A state-approved 40-hour pre-licensing course

C.A 20-hour online course only

D.A 4-year college degree

Explanation: Texas requires adjuster applicants to complete a state-approved 40-hour pre-licensing course (either live class or online) and pass a state certification exam administered by the education provider or testing administrator before applying for the license.

7Under 28 TAC § 19.602(b), which professional designations exempt an applicant from the Texas adjuster licensing examination?

A.MBA and JD only

B.CPCU (Chartered Property Casualty Underwriter) and AIC (Associate in Claims)

C.CPA and CFA

D.ARM and ALCM only

Explanation: 28 TAC § 19.602(b) exempts holders of the CPCU designation and the AIC (Associate in Claims) designation from the adjuster licensing examination. Additionally, persons who completed an approved pre-licensing course and passed the course exam within the past 12 months are exempt.

8Does Texas require fingerprinting for adjuster license applicants?

A.No fingerprinting is required

B.Yes, all adjuster applicants must submit fingerprints for a background check through TDI's fingerprint process

C.Only for nonresident applicants

D.Only for public adjuster applicants

Explanation: Texas requires all adjuster license applicants to process and submit fingerprints according to TDI's Fingerprint Requirements page. The fingerprints are used for a criminal background check as part of the licensing process.

9Under Texas Insurance Code § 4101.059, what continuing education is required for license renewal?

A.No CE required

B.Participation in a continuing education program under Chapter 4004

C.48 hours annually

D.Only ethics courses

Explanation: Texas Insurance Code § 4101.059 requires licensed adjusters to participate in a continuing education program under Chapter 4004 to renew their license. TDI may certify continuing education programs. The specific hour requirements are set under the CE regulations.

10Under 28 TAC § 19.602(d), what happens if an adjuster's license has been expired for more than 90 days?

A.The license automatically renews

B.The adjuster may not renew and must apply for a new license

C.The adjuster gets a 6-month grace period

D.The adjuster can continue working while renewing

Explanation: Under 28 TAC § 19.602(d), adjusters may only renew a license that has not expired or has been expired for 90 days or less. If the license has been expired for more than 90 days, the adjuster must apply for a new license rather than renewing.

About the TX Claims Adjuster Exam

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

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

$93 (Texas DOI)

TX 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 TX Claims Adjuster Exam

What You Need to Know

Passing score: 70%
Exam length: 100 questions
Time limit: 2 hours
Exam fee: $93

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

TX 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 Texas 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.