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Which Texas state agency regulates and licenses public insurance adjusters?

Texas Comptroller of Public Accounts

Texas Department of Insurance (TDI)

Texas Secretary of State

Texas Department of Licensing and Regulation

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2026 Statistics

Key Facts: TX Public Adjuster Exam

70%

Passing Score

TX TDI

100 Q

Practice Questions

OpenExamPrep

2 hrs

Exam Time

TX TDI

24 hrs

CE Per Cycle

TX TDI

Bond

Surety Bond Required

TX TDI

Texas requires public adjusters to pass a state licensing exam, obtain a surety bond, and meet continuing education requirements. Texas is a high-demand state for PAs due to frequent hurricane, hail, and storm damage claims.

Sample TX Public Adjuster Practice Questions

Try these sample questions to test your TX 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 Texas state agency regulates and licenses public insurance adjusters?

A.Texas Comptroller of Public Accounts

B.Texas Department of Insurance (TDI)

C.Texas Secretary of State

D.Texas Department of Licensing and Regulation

Explanation: The Texas Department of Insurance (TDI), headquartered in Austin, is the state agency responsible for regulating and licensing public insurance adjusters. TDI administers Insurance Code Chapter 4102 and all associated rules governing public adjuster licensing, conduct, and enforcement.

2What chapter of the Texas Insurance Code governs public insurance adjusters?

A.Chapter 4001

B.Chapter 4101

C.Chapter 4102

D.Chapter 4201

Explanation: Texas Insurance Code Chapter 4102 specifically governs public insurance adjusters, covering licensing requirements, prohibited practices, contract requirements, fee caps, and disciplinary provisions. The Commissioner may adopt rules under this chapter to implement its provisions.

3What is the surety bond amount required for a Texas public insurance adjuster license?

A.$5,000

B.$10,000

C.$25,000

D.$50,000

Explanation: Texas requires all public insurance adjusters to maintain a surety bond in the principal sum of not less than $10,000 as a condition of licensure. This bond covers all required perils and losses set forth under Insurance Code §4102.105 and must be payable to the Texas Department of Insurance.

4Under Texas Insurance Code §4102.104, what is the maximum fee a public adjuster can charge?

A.5% of the insurance settlement

B.10% of the insurance settlement

C.15% of the insurance settlement

D.There is no fee cap in Texas

Explanation: Texas Insurance Code §4102.104 establishes a fee cap of 10% of the insurance settlement for public adjusters. This maximum fee limitation protects policyholders from excessive charges and applies to all public adjuster compensation arrangements in Texas.

5What is the minimum age requirement to obtain a Texas public insurance adjuster license?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: Under Texas Insurance Code §4102.053, an applicant for a public insurance adjuster license must be at least 18 years of age. This is one of several eligibility requirements along with citizenship, residency, character, experience, and examination requirements.

6Under Tex. Ins. Code §4102.053, what character requirement must a public adjuster applicant meet?

A.Must have no traffic violations

B.Must be trustworthy and of moral character that ensures fair dealing without detriment to the public

C.Must have a college degree in ethics

D.Must be endorsed by two licensed adjusters

Explanation: Texas Insurance Code §4102.053(4) requires that an applicant be trustworthy and of a moral character that reasonably ensures the applicant will conduct business fairly and in good faith without detriment to the public. This is a key qualification the Commissioner evaluates.

7What criminal history restriction applies to Texas public adjuster applicants?

A.No criminal restrictions exist

B.Must not have been convicted of a felony in the 10 years preceding the application, unless pardoned

C.Must never have had any criminal record

D.Must not have any misdemeanor convictions

Explanation: Under Tex. Ins. Code §4102.053(5), an applicant must not have been convicted of a felony in the 10 years preceding filing the application, or if convicted, must have received a full pardon and be relieved from disabilities connected with that conviction.

8What experience or training must a Texas PA applicant have?

A.10 years of insurance company experience

B.Sufficient experience or training relating to assessment of property values and physical loss or damage

C.A master's degree in insurance

D.5 years as a licensed agent

Explanation: Under Tex. Ins. Code §4102.053(6), applicants must have sufficient experience or training relating to the assessment of real and personal property values and physical loss of or damage to real or personal property that may be the subject of insurance and claims under insurance.

9What continuing education (CE) requirement applies to Texas public adjusters?

A.12 hours per year

B.24 hours every 2 years, including 3 hours of ethics

C.36 hours every 3 years

D.No CE is required

Explanation: Texas requires public adjusters to complete 24 hours of continuing education per two-year license period, including 3 hours of ethics. Additionally, at least 50% of CE hours must be completed in certified classroom or webinar format, not solely through self-study.

10What percentage of Texas public adjuster CE hours must be in classroom or webinar format?

A.25%

B.At least 50%

C.75%

D.100%

Explanation: Texas requires that at least 50% of the 24 CE hours required every two years must be completed in certified classroom or webinar format. This ensures that public adjusters engage in substantive, interactive learning rather than relying solely on self-study materials.

About the TX Public Adjuster Exam

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

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

Varies (Texas Department of Insurance)

TX Public Adjuster Exam Content Outline

20%

TX PA Licensing

Texas licensing requirements, exam eligibility, surety bond, CE, renewal process

25%

Claims Process

Claims documentation, filing procedures, damage assessment, storm loss estimation

20%

Policy Interpretation

Coverage analysis, exclusions, endorsements, policy structure and reading

20%

TX Regulations

Fee caps, solicitation rules, letter of representation, Texas Insurance Code

15%

Professional Practice

Client relations, PA contracts, fraud prevention, ethical standards

How to Pass the TX 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

TX Public Adjuster Study Tips from Top Performers

1Master Texas's public adjuster licensing requirements under the Texas Insurance Code

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

3Study insurance policy structure: declarations, conditions, exclusions

4Know Texas's fee cap regulations and solicitation rules

5Review hurricane, hail, and storm damage claims documentation procedures

Frequently Asked Questions

What does the Texas public adjuster exam cover?

The TX PA exam covers the Texas Insurance Code, policyholder advocacy, claims processes, policy interpretation, fee regulations, and professional ethics.

What is the passing score for the Texas PA exam?

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

What bond is required for Texas public adjusters?

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