CONNECTICUT PUBLIC ADJUSTER EXAM (12-CT-08) PRACTICE EXAM
1. Which Connecticut agency regulates public adjusters?
A) Connecticut Department of Consumer Protection
B) Connecticut Insurance Department
C) Connecticut Department of Banking
D) Connecticut Department of Revenue Services
Answer: B
Explanation: The Connecticut Insurance Department regulates public adjusters under
Chapter 708 of the Connecticut General Statutes.
2. What is the minimum age requirement for a public adjuster in Connecticut?
A) 18 years
B) 21 years
C) 25 years
D) 30 years
Answer: A
Explanation: Applicants must be at least 18 years old per CGS § 38a-702a.
3. How many hours of pre-licensing education are required for public adjusters?
A) 20 hours
B) 40 hours
C) 60 hours
D) 80 hours
,Answer: B
Explanation: Connecticut requires 40 hours of pre-licensing education for public adjusters.
4. How many hours of continuing education are required biennially?
A) 12 hours
B) 24 hours
C) 36 hours
D) 48 hours
Answer: B
Explanation: Public adjusters must complete 24 hours of CE every 2 years.
5. What percentage of the CE hours must be in ethics?
A) 5%
B) 10%
C) 15%
D) 20%
Answer: C
Explanation: At least 15% (3.6 hours) must be in ethics training.
6. What is the maximum fee percentage a public adjuster can charge for hurricane claims?
A) 5%
B) 10%
C) 15%
,D) 20%
Answer: B
Explanation: Connecticut limits public adjuster fees to 10% of claim payments for
hurricane claims.
7. What is the maximum fee percentage for non-hurricane claims?
A) 5%
B) 10%
C) 15%
D) 20%
Answer: D
Explanation: For non-hurricane claims, the maximum fee is 20% of claim payments.
8. Within how many days must a public adjuster provide a written contract to the insured?
A) 24 hours
B) 48 hours
C) 72 hours
D) 5 days
Answer: B
Explanation: Written contracts must be provided within 48 hours of signing.
9. What is the required cooling-off period for public adjuster contracts?
A) 24 hours
, B) 48 hours
C) 72 hours
D) 5 business days
Answer: C
Explanation: A 72-hour right of rescission is required for public adjuster contracts.
10. Which of these must be included in every public adjuster contract?
A) Full name of adjuster and company
B) License number
C) Address and phone number
D) All of the above
Answer: D
Explanation: All identifying information must be included in the contract.
11. What is the maximum contract length allowed in Connecticut?
A) 6 months
B) 1 year
C) 18 months
D) 2 years
Answer: B
Explanation: Contracts cannot exceed 1 year in duration.
12. When can a public adjuster accept payment from an insured?
1. Which Connecticut agency regulates public adjusters?
A) Connecticut Department of Consumer Protection
B) Connecticut Insurance Department
C) Connecticut Department of Banking
D) Connecticut Department of Revenue Services
Answer: B
Explanation: The Connecticut Insurance Department regulates public adjusters under
Chapter 708 of the Connecticut General Statutes.
2. What is the minimum age requirement for a public adjuster in Connecticut?
A) 18 years
B) 21 years
C) 25 years
D) 30 years
Answer: A
Explanation: Applicants must be at least 18 years old per CGS § 38a-702a.
3. How many hours of pre-licensing education are required for public adjusters?
A) 20 hours
B) 40 hours
C) 60 hours
D) 80 hours
,Answer: B
Explanation: Connecticut requires 40 hours of pre-licensing education for public adjusters.
4. How many hours of continuing education are required biennially?
A) 12 hours
B) 24 hours
C) 36 hours
D) 48 hours
Answer: B
Explanation: Public adjusters must complete 24 hours of CE every 2 years.
5. What percentage of the CE hours must be in ethics?
A) 5%
B) 10%
C) 15%
D) 20%
Answer: C
Explanation: At least 15% (3.6 hours) must be in ethics training.
6. What is the maximum fee percentage a public adjuster can charge for hurricane claims?
A) 5%
B) 10%
C) 15%
,D) 20%
Answer: B
Explanation: Connecticut limits public adjuster fees to 10% of claim payments for
hurricane claims.
7. What is the maximum fee percentage for non-hurricane claims?
A) 5%
B) 10%
C) 15%
D) 20%
Answer: D
Explanation: For non-hurricane claims, the maximum fee is 20% of claim payments.
8. Within how many days must a public adjuster provide a written contract to the insured?
A) 24 hours
B) 48 hours
C) 72 hours
D) 5 days
Answer: B
Explanation: Written contracts must be provided within 48 hours of signing.
9. What is the required cooling-off period for public adjuster contracts?
A) 24 hours
, B) 48 hours
C) 72 hours
D) 5 business days
Answer: C
Explanation: A 72-hour right of rescission is required for public adjuster contracts.
10. Which of these must be included in every public adjuster contract?
A) Full name of adjuster and company
B) License number
C) Address and phone number
D) All of the above
Answer: D
Explanation: All identifying information must be included in the contract.
11. What is the maximum contract length allowed in Connecticut?
A) 6 months
B) 1 year
C) 18 months
D) 2 years
Answer: B
Explanation: Contracts cannot exceed 1 year in duration.
12. When can a public adjuster accept payment from an insured?
