ILLINOIS PUBLIC ADJUSTER LATEST 2026 QUESTIONS AND
ANSWERS MARKED A+
✔✔Notices that must be included in contract between PA & insured - ✔✔- Any public
adjuster contract will be voidable for 5 business days after execution at the option of the
insured
- any contract with a public adjuster that is executed within the five day period after the
loss producing occurrence is voidable for 10 days after execution
- if the insurer pays or commits in writing to pay the policy limit within five business days
after the date of the loss is reported to the insurance company the public adjuster will
not receive a commission, only compensation for services provided
✔✔right to rescind the contract - ✔✔If the insured exercises the right to resend the
contract anything of value given by the insured under the contract must be returned to
the insured within 15 Business days following the receipt by the public adjuster of the
cancellation notice
✔✔Client disclosure - ✔✔If the client of the public adjuster chooses a company,
contractor or any other vendor in which the public adjuster holds any ownership or
equitable interest then that interest must be disclosed to the client.
✔✔Required disclosures - ✔✔The public adjuster must provide written disclosures
regarding financial interests, the claim process and the "consumer rights notice" before
the insured signs a public adjuster contract.
✔✔the public adjuster will be responsible for costs - ✔✔If the public adjuster refers the
insured to a contractor the public adjuster warrants that all work will be performed in a
workmanlike manner if it is not completed in that manner then the:
✔✔deductible amount, net claim payment - ✔✔A public adjuster commission, charges
or fees must not include the _______, and will only be based on _______ made by the
insurer.
✔✔PA's cannot represent while: - ✔✔- while a loss producing occurrence is continuing
nor while the fire department or its representatives are engaged at the damaged
premises nor between the hours of 7 PM and 8 AM
✔✔Required disclosure - ✔✔Any compensation or anything of value in connection with
the insured's specific loss that will be received by a public adjuster must be disclosed by
the public adjuster to the insured in writing including the source and amount.
✔✔30 calendar days = payment release - ✔✔When proceeds are paid jointly, the
insured must release the portion due to the public adjuster within ____ calendar days, if
not, insured just provide the PA with a written explanation for the delay.
, ✔✔General ethical requirements - ✔✔No public adjuster while licensed by the
Department, may represent or act as a company adjuster or independent adjuster on
the same claim. Ya can't be both at once
✔✔emergency services - ✔✔A public adjuster may not advance money or any valuable
consideration except: ______ pending adjustment of a claim
✔✔A public adjuster may not: - ✔✔provide legal advice / representation to the insured /
engage in unauthorized practice of law
✔✔Public adjusters may not represent that: - ✔✔He/she is a representative of a
insurance company, a fire department, or the state of Illinois, or that he or she is a fire
investigator or that his or her services are required for the insured to submit a claim to
the iinsurance company.
✔✔Record retention = 7 years - ✔✔Records must be maintained for at least ___ years
after the termination of the transaction with an insured. the records must also be open to
examination by the Director at all times
✔✔Proprietary - ✔✔Records submitted to the Director that contain information identified
in writing as _______ by the public adjuster will be treated as confidential by the
Director and are not subject to the Freedom of Information Act
✔✔"Notice of hearing" = 10 days - ✔✔The Department of insurance will issue a notice
of hearing when hearing is granted regarding the conduct of public adjusters, the notice
must be provided to public adjuster 10 days in advance before date of hearing
✔✔Calculate the square yardage of carpeting - ✔✔Steps:
1) find sq footage of room ( length x width )
2) add 5% to the sq footage
3) divide that number by 9
Ex: a contractor would like to calculate the square yardage for carpeting for a 12 x 12
room
1) 12 x 12 = 144 sq feet
2) 144 + 5% = 151.2 sq feet
3) divide 151.2 sq ft by 9 = 16.8 square yards 🙂
✔✔Treads and risers - ✔✔The two main parts of a set of stairs =
✔✔"Stair treads" aka "runs" - ✔✔Horizontal pieces that is "tread upon" with their feet.
(The depths of the treads can affect the comfort and safety of the staircase)
ANSWERS MARKED A+
✔✔Notices that must be included in contract between PA & insured - ✔✔- Any public
adjuster contract will be voidable for 5 business days after execution at the option of the
insured
- any contract with a public adjuster that is executed within the five day period after the
loss producing occurrence is voidable for 10 days after execution
- if the insurer pays or commits in writing to pay the policy limit within five business days
after the date of the loss is reported to the insurance company the public adjuster will
not receive a commission, only compensation for services provided
✔✔right to rescind the contract - ✔✔If the insured exercises the right to resend the
contract anything of value given by the insured under the contract must be returned to
the insured within 15 Business days following the receipt by the public adjuster of the
cancellation notice
✔✔Client disclosure - ✔✔If the client of the public adjuster chooses a company,
contractor or any other vendor in which the public adjuster holds any ownership or
equitable interest then that interest must be disclosed to the client.
✔✔Required disclosures - ✔✔The public adjuster must provide written disclosures
regarding financial interests, the claim process and the "consumer rights notice" before
the insured signs a public adjuster contract.
✔✔the public adjuster will be responsible for costs - ✔✔If the public adjuster refers the
insured to a contractor the public adjuster warrants that all work will be performed in a
workmanlike manner if it is not completed in that manner then the:
✔✔deductible amount, net claim payment - ✔✔A public adjuster commission, charges
or fees must not include the _______, and will only be based on _______ made by the
insurer.
✔✔PA's cannot represent while: - ✔✔- while a loss producing occurrence is continuing
nor while the fire department or its representatives are engaged at the damaged
premises nor between the hours of 7 PM and 8 AM
✔✔Required disclosure - ✔✔Any compensation or anything of value in connection with
the insured's specific loss that will be received by a public adjuster must be disclosed by
the public adjuster to the insured in writing including the source and amount.
✔✔30 calendar days = payment release - ✔✔When proceeds are paid jointly, the
insured must release the portion due to the public adjuster within ____ calendar days, if
not, insured just provide the PA with a written explanation for the delay.
, ✔✔General ethical requirements - ✔✔No public adjuster while licensed by the
Department, may represent or act as a company adjuster or independent adjuster on
the same claim. Ya can't be both at once
✔✔emergency services - ✔✔A public adjuster may not advance money or any valuable
consideration except: ______ pending adjustment of a claim
✔✔A public adjuster may not: - ✔✔provide legal advice / representation to the insured /
engage in unauthorized practice of law
✔✔Public adjusters may not represent that: - ✔✔He/she is a representative of a
insurance company, a fire department, or the state of Illinois, or that he or she is a fire
investigator or that his or her services are required for the insured to submit a claim to
the iinsurance company.
✔✔Record retention = 7 years - ✔✔Records must be maintained for at least ___ years
after the termination of the transaction with an insured. the records must also be open to
examination by the Director at all times
✔✔Proprietary - ✔✔Records submitted to the Director that contain information identified
in writing as _______ by the public adjuster will be treated as confidential by the
Director and are not subject to the Freedom of Information Act
✔✔"Notice of hearing" = 10 days - ✔✔The Department of insurance will issue a notice
of hearing when hearing is granted regarding the conduct of public adjusters, the notice
must be provided to public adjuster 10 days in advance before date of hearing
✔✔Calculate the square yardage of carpeting - ✔✔Steps:
1) find sq footage of room ( length x width )
2) add 5% to the sq footage
3) divide that number by 9
Ex: a contractor would like to calculate the square yardage for carpeting for a 12 x 12
room
1) 12 x 12 = 144 sq feet
2) 144 + 5% = 151.2 sq feet
3) divide 151.2 sq ft by 9 = 16.8 square yards 🙂
✔✔Treads and risers - ✔✔The two main parts of a set of stairs =
✔✔"Stair treads" aka "runs" - ✔✔Horizontal pieces that is "tread upon" with their feet.
(The depths of the treads can affect the comfort and safety of the staircase)
