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Insurance Adjuster Exam

You’re interested in becoming an insurance claims adjuster. That’s great! It’s an exciting career with excellent earning potential. If you’ve done some research, you’ve likely heard no college or special degree is required, but you do have to pass an exam. So, what’s on the Insurance Adjuster Exam? What do you need to do to prepare? How do you study for it?

About the Insurance Adjuster Exam

Let’s start with the basics. Most states require adjusters to be licensed to settle insurance claims. However, 16 states, plus Washington, D.C., don’t require adjusters to be licensed. (If you’d like to know more about what to do in that scenario, read our Adjuster DHS License article.)

To obtain your adjuster license, you must pass your state’s insurance adjuster exam. Each licensing state has its own version of the adjuster exam. Though the exams do vary from state to state, you can usually expect to be tested on these general topics:

  • Insurance Terms and Concepts
  • Duties of an Adjuster
  • Types of Insurance Policies and Coverages
    • Homeowners/Dwelling Insurance
    • Automobile Insurance
    • Commercial/Business Owners Insurance
    • Other (farm, marine, flood, etc.)
  • State-Specific Regulations (laws that are specific to your state)

Some states include additional topics like Ethics and Unfair Trade Practices. In addition to the above, state-specific laws are also included. For example, Minnesota and Texas have different laws about how much time an insurer has to accept or deny a claim.

So, how can you find out what your state exam covers? 

State Insurance Adjuster Exam

Every state posts exam content outlines with lists of topics and subtopics that you’ll need to know to pass the exam. These can usually be found on your state’s website or the exam provider’s website (like PSI, Prometric, or PearsonVue). In addition to the general exam topics, these outlines tell you how many questions will be on the exam and what percentage of the exam questions will fall under each section. 

Under many of the topics on the outline, you’ll usually see several references to state statutes (state laws). For example, here’s a snapshot from one section of the Alaska Adjuster Exam Content Outline:

Those letter and number combinations are references to state statutes. Each one is the full legal wording of the state law regarding that insurance topic. The problem with state statutes is that they are often extremely complicated, wordy, and full of legal jargon. Picture sentences that are over 80 words long with a million commas and words like “theron” and “henceforce” throughout each paragraph…yikes! They are tough to read, challenging to understand, and often leave you wondering what the main point is. You can read more about state statutes and how we write and develop courses in our Simplify Insurance Statutes blog article.

Even if not every statute is quite that bad, and some statutes are easier to understand than others, it still takes a lot of time to read and understand each one and how it pertains to the exam question you need to answer. Sometimes, an outline gives you 28 statutes for just one little subtopic!

On the flip side, outlines don’t usually provide statute references for every topic, and some outlines don’t share any statute references at all. For example, here’s a snapshot from the Texas Property and Casualty Adjuster Exam Outline:

Notice that this outline says there will be 7 exam questions covering the Homeowners Policy, which is helpful, but it doesn’t tell you what you need to know about it. There are no references and no sub-topics, so it’s up to you to research and guess which details are relevant.

In summary, you can use your state exam content outline to get a general overview of what will be on your exam, but when you try to use the outlines to study, you are left facing one of two problems (and often both): either too much legalistic information to try to interpret, or simply not enough information.

How AdjusterPro Courses Help with the Adjuster Exam

To put it simply, we’ve done the hard work for you. We carefully read every state statute and research every topic that’s on your exam content outline. We talk to subject matter experts when the outlines or laws are unclear. We’ve compiled what’s important for you to know for your specific state and turned it into a self-paced online course written in language that’s engaging and easy to understand.

We’ve included quizzes to check your knowledge along the way and have added examples to get you thinking about real-world applications. Perhaps one of the most important things we do is build practice exams.

When we create our practice exams, we use the breakdowns provided in the content outlines in order to mimic the state exam. If the state outline says that 5% of your exam will be on the “personal automobile policy,” we make sure that 5% of your practice exam questions are on the personal automobile policy. If 23% of your test will be on “state insurance regulations,” we make sure to provide more questions from that category. We create a whole pool of practice questions so that we can generate multiple versions of the practice exam.

When we develop our courses, we always double-check to ensure we haven’t missed a single topic on the exam content outline. We often go above and beyond the topics on the outline because we want to make sure we cover all possibilities for your exam.

No one should know the exact questions on the adjuster exam before taking it. Sure, it might make passing the test easier, but it won’t help you start a successful career in insurance. We want you to go into your exam not only with relevant facts memorized, but also with the right knowledge and intuition to answer questions in the smartest way possible, thinking like a true insurance adjuster.

If you have any questions about the insurance adjuster exam or our courses, get in touch with us. We’re here to help.

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