Free Hawaii Claims Adjuster Exam Prep
Hawaii Insurance Adjuster Licensing Examination
Prepare for the Hawaii Claims Adjuster exam without spending hundreds on expensive prep courses. Free study guides, practice questions, flashcards, and related exam resources.
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Hawaii Claims Adjuster: Study Roadmap
Follow this path to organize your exam preparation
Insurance Principles, Contract Law and Key Terms
Learn the 35 outline terms, from insurable interest and proximate cause to binders, vacancy and salvage, plus Hawaii's insurable interest statute.
Personal Property Lines: DP, HO, Inland Marine, Flood and Earthquake
Work through ISO dwelling and homeowners forms, personal floaters, NFIP rules, the earthquake endorsement and the volcanic eruption peril.
Commercial Property, BOP and Equipment Breakdown
Study CP 00 10, causes of loss and business income forms, coinsurance math, the CPP and BOP, and boiler and machinery coverage.
Liability, Auto, Workers' Compensation, Crime and Umbrella
Cover negligence and Hawaii comparative fault, the CGL, personal and business auto, garagekeepers, the WC and EL policy, crime forms, E&O and umbrella.
Policy Provisions and Claim Handling
Apply duties after loss, mortgagee rights, appraisal, cancellation and limitations, then practice intake, reservation of rights, investigation and settlement.
Hawaii Regulation and Adjuster Licensing
Learn HRS 431 article 2 commissioner powers, insurer definitions, article 9 licensing and records, public adjuster contracts and HIGA limits.
Hawaii Unfair Claim Settlement Practices
Memorize HRS 431:13-103(a)(11)(A) to (Q), the 15-working-day and 30-day deadlines, penalties under 431:13-201 and the Best Place bad faith rule.
Hawaii Property and Casualty Laws
Finish with the 1943 standard fire policy, over-insurance, HPIA, 40/80/20 no-fault rules, PIP and the tort threshold, HRS 287 and HRS 386.
Can You Take the Hawaii Claims Adjuster Exam?
Check if you meet the basic eligibility requirements
- •Domicile in Hawaii, or in a state that permits Hawaii residents to act as adjusters there (HRS § 431:9-222)
- •Pass the Hawaii Adjuster exam (InsHI-Adj14 or OPAdj14) with a scaled score of 70; there is no reciprocity for adjusters
- •Public adjusters file a $10,000 surety bond (HRS § 431:9-223)
- •Written commissioner consent under 18 U.S.C. § 1033 for applicants with felony convictions involving dishonesty or breach of trust
- •Apply and pay fees online through NIPR
Hawaii Claims Adjuster Quick Facts
Retake Policy
Test center: wait 24 hours to retest. OnVUE: wait two weeks after a first online failure and four weeks after later online failures. By statute, the commissioner may require up to a six-month wait after two failed exams.
Free Hawaii Claims Adjuster Prep Tools
380+ Practice Questions
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AI Tutor Explains Mistakes
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Independent Study Resources
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What You'll Study
8 chapters covering the exam topics in this guide
Chapter 1: General Insurance Principles, Contract Law & Key Terms
4 sections
Chapter 2: Property Insurance Policies & Coverage Forms
7 sections
Chapter 3: Liability, Auto, Workers' Compensation, Crime & Specialty Coverages
8 sections
Chapter 4: Policy Provisions & the Claims Adjustment Process
5 sections
Chapter 5: Hawaii Insurance Regulation, Insurers & Adjuster Licensing (HRS Chapter 431)
6 sections
Chapter 6: Hawaii Unfair Claim Settlement Practices, Deadlines & Enforcement
3 sections
Chapter 7: Hawaii Laws Pertinent to Property Insurance
2 sections
Chapter 8: Hawaii Laws Pertinent to Casualty Insurance: Motor Vehicle, Financial Responsibility & Workers' Compensation
5 sections
Hawaii Claims Adjuster Exam Details
Hawaii Insurance Adjuster Licensing Examination
Administered by Hawaii Insurance Division (DCCA)
Exam Content Breakdown
Based on the official Hawaii Insurance Division (DCCA) content outline
Dwelling, homeowners and personal liability; commercial property, CPP, equipment breakdown and BOP; inland marine; flood, watercraft and earthquake; CGL; personal and business auto and garage; workers' compensation; bonds and crime; E&O; umbrella and excess
Insurable interest, risk, hazard, peril, loss, proximate cause, indemnity, ACV, replacement cost, coinsurance, pair and set, vacancy, salvage, abandonment, negligence, burglary and theft, binders, warranties, representations, concealment, audits and certificates
Declarations, insuring agreements, conditions, exclusions, duties after loss, mortgagee rights, proof of loss, appraisal, arbitration, other insurance, assignment, subrogation, cancellation, claims-made forms, salvage, loss settlement and limitations
Insurance Commissioner powers, examinations, hearings and penalties; insurer types and certificates of authority; adjuster licensing, discipline and records (HRS 431 art. 9); unfair practices (HRS 431:13-101 to 103); public adjuster contracts; guaranty association
Property and marine definitions, the standard fire policy (HRS 431:10-210), over-insurance (HRS 431:10E-102 to 103) and the Hawaii Property Insurance Association (HRS 431 art. 21)
Casualty definition; Hawaii Motor Vehicle Insurance Law (HRS 431:10C) including required limits, self-insurance, PIP, tort threshold, rates, Joint Underwriting Plan and cancellation; financial responsibility (HRS 287); UM/UIM; workers' compensation (HRS 386)
What's Included
8 Chapters
Complete exam coverage
Practice Quizzes
With detailed explanations
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Quality Exam Prep Shouldn't Cost Hundreds
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What's Next After the Hawaii Claims Adjuster?
After passing the Hawaii Claims Adjuster, you can pursue these career paths
Independent Adjuster
Investigate and settle property and casualty claims on behalf of insurers across the islands under a Hawaii independent adjuster license.
Public Adjuster
Represent Hawaii policyholders on property claims under a separate public adjuster license, a $10,000 bond and HRS 431:9-244 contract rules.
Staff Claims Representative
Handle claims as a salaried insurer employee; Hawaii excludes salaried insurer employees from its adjuster license definition, though many carriers still prefer licensed hires.
Catastrophe (CAT) Adjuster
Work hurricane, wildfire and volcanic losses in Hawaii, including registration of nonresident independent adjusters after a commissioner's declaration.
Hawaii Claims Adjuster Exam FAQ
Official Hawaii Insurance Division (DCCA) Resources
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