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Exam Review

Key Facts: TX Claims Adjuster Exam

70 (scaled)

Passing Score

Pearson VUE Texas handbook

150

Scored Questions

Pearson VUE

24 hrs

CE Per Cycle

DOI

150 min

Exam Time

Pearson VUE Texas handbook

$49

Exam Fee

Pearson VUE Texas handbook

Texas licenses claims adjusters who pass the All Lines Adjuster exam (or complete a TDI-approved course instead); the exam covers P&C products, insurance terms, and Texas statutes and rules, including workers' compensation.

Sample TX Claims Adjuster Practice Questions

Try these sample questions to review concepts for the TX Claims Adjuster exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 410+ 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 TDI-approved 40-hour pre-licensing course. Passing the provider's course certification exam within the prior 12 months can exempt the applicant from the Pearson VUE licensing examination under TIC §4101.054 / 28 TAC §19.602(b); otherwise the applicant must pass the state exam administered by Pearson VUE.
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. TDI implements this as 24 hours of CE every two-year renewal period, including 3 hours of ethics (and at least half in classroom or classroom-equivalent courses).
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.

Exam sponsor: Texas DOI. The requirements and fees below concern the certification or admission exam, separate from our free practice resources.

Questions

150 questions

Time Limit

2.5 hours

Passing Score

Scaled score of 70

Exam / Certification Fees

$49

Exam sponsor website

Reported exam pass rate: 42%. first-time takers, All Lines Adjuster (English), 2025 This describes exam candidates, not OpenExamPrep users or results from using our resources. Exam sponsor website

Fees, eligibility, and exam policies can change. Confirm them with the exam sponsor before applying or paying.

Our practice resources: topics covered

We aim to reflect publicly available exam outlines and topic information in our study resources. Coverage, format, and difficulty may differ from the actual exam, and we cannot guarantee that every detail is accurate or current. Confirm exam requirements, fees, and policies with the official exam sponsor.

40%

General Property and Casualty Product Knowledge

Standard fire policy, auto liability, homeowners and dwelling forms, commercial property, CPP, boiler and machinery, businessowners, cargo, crime, inland and ocean marine, bonds and professional liability

40%

Insurance Terms and Related Concepts

Peril, waiver and estoppel, proof of loss, depreciation, actual cash value, replacement cost, subrogation, other insurance, appraisal, coinsurance, binder, reservation of rights, policy provisions

20%

Texas Statutes and Rules for P&C Adjusting

Licensing, unfair claims practices and prompt payment, adjuster duties and prohibited conduct, Texas workers' compensation

Preparing for the TX Claims Adjuster Exam

What You Need to Know

  • Passing score: Scaled score of 70
  • Exam length: 150 questions
  • Time limit: 2.5 hours
  • Exam / certification fees: $49 Official sources

Using Our Practice Resources

  • Work through all 410 available questions
  • Review every answer and explanation
  • Track weak areas and revisit them
  • Use our AI tutor for tough concepts

TX Claims Adjuster: Suggested Study Strategy

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 All Lines Adjuster exam has 150 scored questions: general property and casualty product knowledge (40%), insurance terms and related concepts (40%), and Texas statutes and rules for adjusting, including workers' compensation (20%).

What is the passing score?

Texas reports a scaled score, and 70 is passing. It is not a percentage of questions answered correctly.

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?

Texas adjusters need 24 hours of continuing education every two years, including 3 hours of ethics.