PracticeVideosBlogFlashcards
All Practice Exams

Free Practice Questions for TX Public Adjuster

Exam-style questions and explanations by OpenExamPrep.

✓ No registration✓ No credit card
228+ Questions
100% Free

Loading practice questions...

Same family resources

Explore More Public Adjuster

Continue into nearby exams from the same family. Each card keeps practice questions, study guides, flashcards, videos, and articles in one place.

New York Public Adjuster

Practice Questions200 questionsStudy Guide34 topicsCheat Sheet137 factsFlashcards50 cardsVideos1 videoBlogs1 blogFree CE

Illinois Public Adjuster

Practice Questions232 questionsStudy Guide31 topicsFree CE

California Public Adjuster

Practice Questions316 questionsVideos1 videoBlogs1 blogFree CE

Florida Public Adjuster

Practice Questions250 questionsVideos1 videoBlogs1 blogFree CE

New Jersey Public Adjuster

Practice Questions200 questionsVideos1 videoBlogs1 blogFree CE

Arizona Public Adjuster

Practice Questions200 questionsFree CE

More From This Family

Videos and articles for deeper review.

VideoTexas Adjuster License 2026: Exam, Salary & StepsThis examVideoFree Public Adjuster Practice Test by State 2026: 4,500+ QuestionsArticleTexas Adjuster License 2026: Exam, Salary & Steps14 min readArticleFree Public Adjuster Practice Test by State 2026: 4,500+ Questions23 min read
Exam Review

Key Facts: TX Public Adjuster Exam

70

Scaled Passing Score

Pearson VUE

100 Q

Exam Questions

Pearson VUE

2 hrs

Exam Time

TX TDI

24 hrs

CE Per Cycle

TX TDI

$10,000

Surety Bond

TX TDI

The current Pearson VUE exam has 100 scoreable four-option questions in 120 minutes and reports a passing scaled score of 70. Its four official domains have no published weights, so preparation must cover both property products and Texas public-adjuster law.

Sample TX Public Adjuster Practice Questions

Try these sample questions to review concepts for the TX Public Adjuster exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 228+ 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(a) caps a public adjuster's total commission at 10% of the amount of the insurance settlement, regardless of whether the adjuster charges an hourly fee, flat rate, percentage, or other method. Under §4102.104(b), if the insurer pays or commits in writing to pay the policy limit within 72 hours of the loss being reported (per §862.053), the adjuster may not charge a percentage-based commission and may recover only reasonable compensation for time and expenses incurred through that point.
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 tests general property insurance products, insurance concepts, policy provisions, and Texas statutes and rules governing public insurance adjusters.

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

Questions

100 questions

Time Limit

2 hours

Passing Score

Scaled score of 70

Exam / Certification Fees

$39

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.

Not published

General Property Insurance Product Knowledge

Standard fire, auto liability, residential and commercial property, marine, time-element, and specialty coverage

Not published

Insurance Terms and Related Concepts

Risk, contracts, valuation, coinsurance, crime terms, subrogation, other insurance, appraisal, and arbitration

Not published

Policy Provisions

Declarations, insuring agreement, definitions, conditions, exclusions, claim duties, insurer obligations, and mortgagee rights

Not published

Texas Statutes and Rules Pertinent to Public Insurance Adjusting

Licensing, commissioner authority, contracts, compensation, solicitation, conflicts, consumer protection, ethics, and records

Preparing for the TX Public Adjuster Exam

What You Need to Know

  • Passing score: Scaled score of 70
  • Exam length: 100 questions
  • Time limit: 2 hours
  • Exam / certification fees: $39 Official sources

Using Our Practice Resources

  • Work through all 228 available questions
  • Review every answer and explanation
  • Track weak areas and revisit them
  • Use our AI tutor for tough concepts

TX Public Adjuster: Suggested Study Strategy

1Master Texas's public adjuster licensing requirements under the Texas Insurance Code Chapter 4102
2Understand the difference between public adjusters (representing insureds) and company/independent adjusters
3Study property policy structure: declarations, insuring agreement, conditions, exclusions (DICEE)
4Practice actual-cash-value, replacement-cost, deductible, pro rata other-insurance, and coinsurance calculations
5Cover inland marine, ocean marine, commercial forms, and specialty products instead of studying only homeowners losses
6Know Texas contract, compensation, solicitation, conflict, unauthorized-practice, and five-year record rules

Frequently Asked Questions

What is the Texas public adjuster exam passing score and format?

The Texas Public Insurance Adjuster exam (series InsTX-PbAdj17) has 100 scoreable four-option questions and a 120-minute time limit. Pearson VUE reports results on a 0-100 scale, with 70 as the passing scaled score; that is not the raw percentage correct.

What is the statutory fee cap for public adjusters in Texas?

Under Texas Insurance Code §4102.104(a), a public adjuster's commission may not exceed 10% of the total insurance settlement. Additionally, under §4102.104(b), if the insurer pays or commits in writing to pay the policy limits within 72 hours of the loss report, the adjuster may not charge a percentage fee and may only collect reasonable compensation for actual time and expenses.

What surety bond is required to obtain a Texas public adjuster license?

Applicants must provide a surety bond of $10,000 or more on TDI Form FIN509, with the individual or agency applicant's exact legal name listed as the sole principal. TDI requires proof of the bond with the Sircon application.

Can a Texas public adjuster also perform repair or contracting work on the damaged property?

No. Texas Insurance Code §4102.158 strictly prohibits public adjusters from participating directly or indirectly in the reconstruction, repair, or restoration of property that is the subject of a claim they are adjusting, and they may not acquire any ownership interest in salvaged property.

What are the continuing education (CE) requirements for Texas public adjusters?

Texas public adjusters must complete 24 hours of TDI-approved continuing education every two-year licensing cycle. This must include at least 3 hours of ethics, and at least 50% of the total CE hours must be completed in certified classroom or classroom-equivalent webinar formats.

How does the 72-hour right of rescission work for Texas PA contracts?

Under Texas Insurance Code §4102.103 and 28 TAC §19.708, the insured policyholder has an absolute right to cancel a public adjuster contract without penalty or obligation within 72 hours of signing by delivering written notice to the public adjuster.