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Free NC Claims Adjuster Exam Prep

North Carolina Claims Adjuster

Prepare for the NC Claims Adjuster exam without spending hundreds on expensive prep courses. Free study guides, practice questions, flashcards, and related exam resources.

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Your Study Path

North Carolina Claims Adjuster License: Complete Roadmap

Follow this path to organize your licensing and exam preparation

1

NC Insurance Statutes & Adjuster RegulationsYou are here

Master NCGS Chapter 58 regulations, Commissioner authority, licensing and 24-hour CE rules, unfair claims practices, Rate Bureau, and the Coastal Beach Plan.

15
hours
2

Claims Handling, Reserving & Property Valuation

Study claims lifecycle from FNOL to settlement, reserving methods, ACV vs Replacement Cost, coinsurance mathematics, and appraisal resolution.

12
hours
3

Dwelling, Homeowners & Commercial Property Forms

Learn DP-1/2/3, HO-2 through HO-8, CP 00 10 commercial forms, causes of loss, business income, NFIP flood rules, and inland marine floaters.

15
hours
4

Casualty, Personal/Commercial Auto & Workers' Comp

Master NC contributory negligence doctrine, PAP 50/100/50 statutory minimums, BACF symbols, CGL triggers, and NC Workers' Compensation Act Chapter 97.

14
hours
5

Practice Exams & Statutory Review

Take timed practice tests, review NC-specific deadlines (10-day address change, 21-day WC retroactive rule), and reinforce weak topic areas.

8
hours
Estimated total study time
64 hours
That's about 7 weeks at 10 hours/week

Can You Take the NC Claims Adjuster Exam?

Check if you meet the basic eligibility requirements

Age
18 years or older
Education
No prelicensing education is required for adjusters in North Carolina (Pearson VUE NC Insurance Licensing Candidate Handbook, October 2025)
Background Check
Required electronic fingerprinting and criminal history background check
Additional Requirements
  • Passing scaled score of 70 on the North Carolina Adjuster examination (exam code 26) administered by Pearson VUE
  • 24 hours of continuing education (including 3 hours of ethics) every two-year compliance period, plus 3 hours of flood insurance in the first period and every other period thereafter
  • Maintenance of 5-year CE and transaction records
  • Written notification to the Commissioner of address or email changes within 10 business days
Why Choose Us

Free NC Claims Adjuster Prep Tools

420+ Practice Questions

Practice by topic with detailed answer explanations

AI Tutor Explains Mistakes

Understand why answers are wrong, not just which ones

Updated for 2026

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What You'll Study

16 chapters covering the exam topics in this guide

NC Claims Adjuster Exam Details

North Carolina Claims Adjuster

Administered by North Carolina Department of Insurance

Official Source
70 (scaled score reported on a 0-100 scale)
Passing Score
100
Questions
2
Hours
$45 per exam attempt
Exam Fee
Study time: 40-60 hours

Exam Content Breakdown

Based on the official North Carolina Department of Insurance content outline

Terms and Concepts7%

Risk, hazard, peril, indemnity, insurable interest, property loss valuation, subrogation, liberalization, binder, certificate of insurance, policy provision classes

Personal Insurance Coverages30%

Standard Fire Policy (5), dwelling DP-1/DP-2/DP-3 (4), Homeowners on NC Rate Bureau forms (15), other personal packages (1), NFIP flood (3), watercraft/yacht (1), personal umbrella (1)

Personal Auto Policy (North Carolina Rate Bureau Form)15%

Eligibility, definitions, Parts A through D, insured's duties, and NC optional endorsements NC 03 02, NC 03 03, NC 03 06 and NC 03 15

Commercial Insurance Coverages18%

Building and personal property form, causes of loss, business income, extra expense, crime forms, boiler and machinery, general liability, commercial auto, workers' compensation, inland marine, bonds, umbrella, farmowners, package policies

Loss Report7-8%

Essential elements including policy dates, occurrence date, parties, policy form, description of loss, coverages, deductible, tortfeasors, elements of investigation, statute of limitations, and types of liability

Loss/Damage Valuation7-8%

Special, general and punitive damages, material damage estimates, diminution of value, valuation clauses, closing document and closing report

North Carolina Statutes and Regulations Pertinent to Adjusters15%

NCGS 58-1-10, Commissioner authority, Article 33 licensing, Article 39 privacy, Article 63 unfair trade practices, continuing education, Reinsurance Facility, Articles 43 and 44 fire insurance, GS 20-279.21, workers' compensation law, and 11 NCAC Chapter 04 Consumer Division rules

What's Included

16 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 NC Claims Adjuster?

After passing the NC Claims Adjuster, you can pursue these career paths

Independent Adjuster

Handle multi-line property, catastrophe, and commercial casualty claims as a contractor for multiple insurers.

Coming Soon

Staff Claims Representative

Investigate, evaluate, and settle first-party property and third-party liability claims as an insurance carrier employee.

Coming Soon

Public Adjuster

Represent North Carolina policyholders exclusively in preparing and negotiating complex commercial and residential property losses.

Coming Soon

Catastrophe Claims Specialist

Deploy to coastal North Carolina and disaster regions to assess major hurricane, windstorm, and hail property damage.

Coming Soon

NC Claims Adjuster Exam FAQ

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