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Which Virginia state body is responsible for licensing and regulating public adjusters?

Virginia Department of Insurance

Virginia State Corporation Commission (SCC), Bureau of Insurance

Virginia Secretary of Commerce

Virginia Department of Financial Institutions

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Key Facts: VA Public Adjuster Exam

70%

Passing Score

VA BOI

100 Q

Practice Questions

OpenExamPrep

2 hrs

Exam Time

VA BOI

24 hrs

CE Per Cycle

VA BOI

Bond

Surety Bond Required

VA BOI

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

Sample VA Public Adjuster Practice Questions

Try these sample questions to test your VA 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 Virginia state body is responsible for licensing and regulating public adjusters?

A.Virginia Department of Insurance

B.Virginia State Corporation Commission (SCC), Bureau of Insurance

C.Virginia Secretary of Commerce

D.Virginia Department of Financial Institutions

Explanation: The Virginia State Corporation Commission (SCC), Bureau of Insurance, is responsible for licensing and regulating public adjusters in Virginia. The SCC administers Article 4.1 of Chapter 18, Title 38.2 of the Code of Virginia, which governs public adjuster licensing.

2Under Virginia law, what is the primary role of a public adjuster?

A.To investigate claims for insurance companies

B.To represent policyholders in adjusting insurance claims

C.To sell insurance policies

D.To audit insurance companies for the state

Explanation: Under Virginia law, a public adjuster represents policyholders (insureds) in adjusting insurance claims. Unlike company or independent adjusters who work for insurers, public adjusters exclusively advocate for the policyholder's interests in negotiating claims and settlements.

3What Article and Chapter of the Code of Virginia governs public adjuster licensing?

A.Article 3.1 of Chapter 17

B.Article 4.1 of Chapter 18, Title 38.2

C.Article 5.1 of Chapter 19

D.Article 2.1 of Chapter 16

Explanation: Article 4.1 of Chapter 18, Title 38.2 (§§ 38.2-1845.1 through 38.2-1845.23) of the Code of Virginia governs public adjuster licensing, requirements, conduct standards, and enforcement provisions.

4What is the surety bond amount required for Virginia public adjusters?

A.$10,000

B.$25,000

C.$50,000

D.$100,000

Explanation: Virginia requires public adjusters to maintain a surety bond in favor of the Commonwealth in the amount of $50,000 with corporate sureties licensed by the Commission. The bond must be conditioned that the PA will conduct business in accordance with Virginia laws.

5How much advance notice must be given before a Virginia PA surety bond can be terminated?

A.30 days

B.At least 60 calendar days' prior written notice filed with the Commission

C.90 days

D.No notice required

Explanation: Under Virginia Code §38.2-1845.2(G), a PA surety bond shall not be terminated unless at least 60 calendar days' prior written notice of termination is filed with the Commission. This ensures the PA has time to obtain a replacement bond.

6What happens if a Virginia PA fails to file a new bond before the current bond expires?

A.A 30-day grace period applies

B.The license terminates and the PA must satisfy all prelicensing requirements to reapply

C.The license is automatically extended

D.Nothing happens

Explanation: Under Virginia law, if a licensed PA fails to file certification that a new bond has been put into effect before the existing bond expires, the PA license terminates. The licensee must then satisfy all prelicensing requirements to apply for a new license, including the examination.

7Is a licensing examination required for Virginia resident public adjuster applicants?

A.No examination is required

B.Yes, Virginia residents must pass the pre-licensing Public Adjuster Examination

C.Only nonresidents must take an exam

D.Only a general knowledge test is required

Explanation: Virginia residents applying for a public adjuster license are required to pass the Virginia pre-licensing Public Adjuster Examination. The exam must be passed within 183 calendar days prior to the date of application. Prometric administers the exam.

8Who administers the Virginia public adjuster licensing examination?

A.Pearson VUE

B.PSI Services

C.Prometric

D.The SCC directly

Explanation: Prometric administers the Virginia public adjuster licensing examination. Applicants can visit Prometric's website to view the Public Adjuster Examination Content Outline and register for the exam.

9Within how many calendar days before the application date must a Virginia PA applicant have passed the exam?

A.90 days

B.183 calendar days

C.365 days

D.No time limit

Explanation: Under Virginia Code §38.2-1845.2(C)(1), each applicant must pass the public adjuster examination within 183 calendar days (approximately 6 months) prior to the date of application. If the exam was passed more than 183 days before application, the applicant must retake it.

10How often must Virginia public adjuster licenses be renewed?

A.Annually

B.Biennially (every 2 years)

C.Every 3 years

D.Every 5 years

Explanation: Virginia public adjuster licenses must be renewed biennially. Beginning January 1, 2021, licenses are renewed biennially based on the public adjuster's month and year of birth. Even-year birthdays renew in even years; odd-year birthdays renew in odd years.

About the VA Public Adjuster Exam

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

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

Varies (Virginia Bureau of Insurance)

VA Public Adjuster Exam Content Outline

20%

VA PA Licensing

Virginia 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%

VA Regulations

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

15%

Professional Practice

Client relations, PA contracts, fraud prevention, ethical standards

How to Pass the VA 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

VA Public Adjuster Study Tips from Top Performers

1Master Virginia's public adjuster licensing requirements and statutes

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

3Study insurance policy structure: declarations, conditions, exclusions

4Know Virginia's fee cap regulations and solicitation rules

5Review claims documentation and damage assessment procedures

Frequently Asked Questions

What does the Virginia public adjuster exam cover?

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

What is the passing score for the Virginia PA exam?

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

What bond is required for Virginia public adjusters?

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