Claims Adjuster Practice Test 2026 — Free Claims Adjuster Exam Prep Questions
Independent and staff claims adjusters must pass a state adjuster licensing exam before investigating and settling property and casualty claims. Our practice questions follow a large-state Property and Casualty Adjuster outline and focus on what adjusters actually do: reading policy forms to determine coverage, valuing losses, applying claim conditions and following fair claims settlement rules.
A store's ISO CGL defines an occurrence as an accident, including continuous or repeated exposure to substantially the same general harmful conditions. A slow, unnoticed leak from the store's rooftop unit drips into a neighboring tenant's space for three weeks, damaging its inventory. How does the definition treat the damage?
Claims Adjuster format, scoring & key facts
Computer-based at Pearson VUE test centers in Texas, Florida and Georgia, and at PSI test centers or by remote proctoring in California. Calculator rules vary: Texas allows your own silent, non-printing, non-financial calculator (none provided), Florida provides one on request, and California allows no aids.
| Structure (Texas model) | 40% property and casualty product knowledge, 40% insurance terms and concepts, 20% state statutes and rules |
|---|---|
| Example (Texas, Pearson VUE) | Property & Casualty or All Lines Adjuster: 150 scored questions in 150 minutes; scaled passing score 70; fee $49; outlines effective September 1, 2026 |
| Example (Florida 6-20, Pearson VUE) | All-Lines Adjuster: 100 scored + 10 pretest questions in 2 hours; passing 70%; fee $44; outline effective January 1, 2026 |
| Example (Georgia, Pearson VUE) | Adjuster: 100 scored + 5 pretest questions in 2 hours; passing 70%; fee $67 |
| Example (California, PSI) | Insurance Adjuster (Independent): 100 questions in 2 hours 30 minutes, no aids; passing 70% |
| Property topics | Standard fire policy, dwelling and homeowners forms, commercial property and BOP, business income, equipment breakdown, crime, inland and ocean marine, flood |
| Casualty and claims topics | Personal and commercial auto, garagekeepers, general liability, umbrella, errors and omissions, bonds; ACV, replacement cost, coinsurance, appraisal, subrogation, salvage, reservation of rights |
| Testing | Pearson VUE or PSI, depending on the state |
Facts last verified Oct 26, 2026. Source: www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/124401.pdf. Always confirm details with State DOI before your exam.
When can you take the Claims Adjuster?
Exams run year-round; book online with your state's vendor (Pearson VUE asks for at least 24 hours' notice).
Plan backwards from your exam date
What the Claims Adjuster covers
Every PrepBanq Claims Adjuster test mirrors the official domain weights.
Domain distribution
% of the exam| Content domain | Weight | ≈ Questions on exam | Our practice questions |
|---|---|---|---|
General Property and Casualty Insurance Product Knowledge Pertinent to Adjusters | 40% | ~60 | 60 questions → |
Insurance Terms and Related Concepts | 40% | ~60 | 60 questions → |
Adjuster Regulation, Claims Practices, and Ethics (general / NAIC model)State-neutral stand-in for the state-law section: adjuster licensing, claims-handling duties, unfair claims settlement practices and ethics shared by most states (NAIC Model #900). Check your state's insurance code for exact time frames and fees. | 20% | ~30 | 30 questions → |
How to register for the Claims Adjuster
Eligibility
Set by your state insurance department. In Texas you must be at least 18 to test, and an adjuster license can instead be earned by completing a TDI-approved course within 12 months before applying. Georgia requires a 16-hour property and casualty course or a qualifying designation. California requires two years of adjusting experience.
Retake policy
Texas: rebook from the next day with no limit on attempts. Florida: up to 5 attempts at the same exam in 12 months, paying the fee each time.
Score release
Texas: you leave the test center with an official score report. California: pass or fail is shown on screen and a score report is e-mailed.
Credential renewal
Texas: apply for your license within 12 months of passing. Florida: a passing score is valid for 1 year.
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Claims Adjuster FAQ
How many questions are on the Claims Adjuster?
The Claims Adjuster has 150 questions and you have 2 hours 30 minutes to finish. Question types: Single-best-answer multiple choice. Most of the exam covers general property and casualty adjusting knowledge (policy forms, coverages, valuation and settlement terms); a state-law section on adjuster licensing, claims practices and conduct makes up the rest (20% in Texas). Florida and Georgia add unscored pretest questions..
How long is the Claims Adjuster exam?
Testing time for the Claims Adjuster is 2 hours 30 minutes.
What is the passing score for the Claims Adjuster?
Claims Adjuster passing standard: 70 (a scaled score in Texas; 70% correct in Florida, Georgia and California).
What is on the Claims Adjuster?
The Claims Adjuster covers General Property and Casualty Insurance Product Knowledge Pertinent to Adjusters (about 40%), Insurance Terms and Related Concepts (about 40%), Adjuster Regulation, Claims Practices, and Ethics (general / NAIC model) (about 20%).
Who administers the Claims Adjuster?
The Property and Casualty Claims Adjuster License Exam is administered by State DOI. Delivery: Computer-based at Pearson VUE test centers in Texas, Florida and Georgia, and at PSI test centers or by remote proctoring in California. Calculator rules vary: Texas allows your own silent, non-printing, non-financial calculator (none provided), Florida provides one on request, and California allows no aids.
Can you retake the Claims Adjuster?
Texas: rebook from the next day with no limit on attempts. Florida: up to 5 attempts at the same exam in 12 months, paying the fee each time.
Is there a free Claims Adjuster practice test?
Yes. PrepBanq has 15 free Claims Adjuster practice tests with 150 exam-style questions in the real Claims Adjuster formats, and every answer is explained. No credit card is needed.
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