300+ Free WV Claims Adjuster Practice Questions

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What is the significance of the 'declarations page' for claims adjusting?

It identifies the named insured, policy period, coverage limits, deductibles, property location, and premium amounts

It contains only contact information

It lists all previous claims

It contains general insurer history

to track

Same family resources

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2026 Statistics

Key Facts: WV Claims Adjuster Exam

70%

Passing Score

DOI

100 Q

Practice Questions

OpenExamPrep

24 hrs

CE Per Cycle

DOI

2 hrs

Exam Time

DOI

varies

Exam Fee

LicenseMap 2026

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

Sample WV Claims Adjuster Practice Questions

Try these sample questions to test your WV Claims Adjuster exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 300+ question experience with AI tutoring.

1What is the minimum age requirement to obtain an adjuster license in West Virginia?

A.16 years old

B.18 years old

C.21 years old

D.25 years old

Explanation: Under West Virginia Code §33-12B and Rule 114-25, an applicant for an adjuster license must be at least 18 years of age or older.

2Which state agency is responsible for licensing insurance adjusters in West Virginia?

A.West Virginia Department of Labor

B.West Virginia Offices of the Insurance Commissioner (WVOIC)

C.West Virginia Attorney General's Office

D.West Virginia Department of Commerce

Explanation: The West Virginia Offices of the Insurance Commissioner (WVOIC) is responsible for processing and maintaining records on insurance licensees, including adjusters, licensed to transact business in West Virginia.

3Under West Virginia Rule 114-25, what are the two main types of adjuster licenses?

A.Staff adjuster and independent adjuster

B.Company adjuster and public adjuster

C.Resident adjuster and nonresident adjuster

D.Property adjuster and casualty adjuster

Explanation: West Virginia Rule 114-25 defines two main types of adjuster licenses: company adjuster (representing the interests of the insurer) and public adjuster (representing solely the financial interests of the insured).

4Under West Virginia Code §33-12B-1, what is a 'company adjuster'?

A.A person who represents the insured's interests

B.An individual representing the interests of the insurer, including independent contractors and salaried employees of the insurer

C.A government employee who audits insurance claims

D.An attorney who represents insurance companies in court

Explanation: Under WV Code §33-12B-1, a company adjuster is an individual representing the interests of the insurer, including independent contractors with and salaried employees of the insurer.

5Under West Virginia law, what is a 'public adjuster'?

A.An adjuster employed by the government

B.An independent contractor representing solely the financial interests of the insured named in the policy

C.An adjuster who handles claims in public spaces

D.An adjuster who works for multiple insurance companies

Explanation: Under WV Rule 114-25, a public adjuster is defined as an independent contractor representing solely the financial interests of the insured named in the policy.

6Under WV Code §33-12B-3, which of the following is exempt from the adjuster licensing requirement?

A.Independent contractors adjusting claims for multiple insurers

B.Attorneys-at-law admitted to practice in West Virginia, when acting in their professional capacity

C.Public adjusters representing policyholders

D.Insurance agents who sell policies

Explanation: Under WV Code §33-12B-3(a)(1), attorneys-at-law admitted to practice in West Virginia are exempt from the company adjuster or independent adjuster licensing requirement when acting in their professional capacity as an attorney.

7Under WV Code §33-12B-3(a)(15), company adjusters employed outside West Virginia who adjust claims solely by telephone, fax, mail, and email are exempt from licensing. What additional requirement applies to them?

A.No additional requirements apply

B.They are subject to the jurisdiction and regulation of the WV Commissioner regarding their adjustment of WV claims

C.They must obtain a temporary permit for each claim

D.They must pass the WV state exam remotely

Explanation: While exempt from licensing, these out-of-state company adjusters are still subject to the jurisdiction of, and regulation by, the Commissioner regarding their adjustment of West Virginia claims, and may be required to complete continuing education.

8How many continuing education hours are required for West Virginia adjuster license renewal?

A.12 hours annually

B.24 hours every two years (biennium)

C.30 hours every three years

D.No continuing education is required

Explanation: West Virginia adjusters must complete 24 hours of continuing education every two years (biennium), including at least 3 hours of ethics CE.

9Under West Virginia Code §33-11-4(9), what does the statute prohibit?

A.Insurance adjusters from holding multiple licenses

B.Unfair claim settlement practices when committed with such frequency as to indicate a general business practice

C.Policyholders from filing claims without an attorney

D.Insurance agents from selling multiple types of policies

Explanation: WV Code §33-11-4(9) prohibits unfair claim settlement practices, stating that no person shall commit or perform such acts with such frequency as to indicate a general business practice.

10Under West Virginia Code §33-11-4(9)(a), which of the following is defined as an unfair claim settlement practice?

A.Conducting a thorough investigation before paying a claim

B.Misrepresenting pertinent facts or insurance policy provisions relating to coverages at issue

C.Requiring the insured to submit proof of loss documentation

D.Offering to settle a claim based on an independent appraisal

Explanation: Under WV Code §33-11-4(9)(a), misrepresenting pertinent facts or insurance policy provisions relating to coverages at issue is specifically defined as an unfair claim settlement practice.

About the WV Claims Adjuster Exam

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

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

varies (West Virginia DOI)

WV 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 WV Claims 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

WV 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 West Virginia 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.