Fall Semester 2026–2027 17-70 – New York
Independent General Adjuster License Updated 2026 |
190+ Questions and Answers | NY 17-70 Independent
General Adjuster Licensing Exam Prep, Comprehensive
Study Guide, Practice Exam, Test Bank, Property &
Casualty Insurance, Claims Investigation, Policy
Interpretation, Loss Adjustment, Liability Claims,
Property Damage Assessment, New York Insurance
Law, Ethics, Settlement Procedures, Detailed
Rationales and Complete Revision Material
Question 1: According to the New York Insurance Law, what is the minimum
age requirement for an individual applicant for an independent adjuster's
license?
A. 18 years of age
B. 21 years of age
C. 25 years of age
D. No age requirement
CORRECT ANSWER: A. 18 years of age
Rationale: New York Insurance Law Section 2108(c)(3) explicitly states that every
individual applicant for a license under this section and every proposed sub-licensee
shall be eighteen years of age or over at the time of the issuance of such license. This is
a fundamental qualification for licensure .
Question 2: Under the New York Independent General Adjuster licensing
requirements, what is the primary purpose of the required surety bond?
A. To guarantee the payment of claims to policyholders
B. To ensure the adjuster faithfully executes their duties and to protect the state against
fraudulent behavior
C. To provide funding for the state's insurance department operations
D. To serve as a performance bond for the insurer
CORRECT ANSWER: B. To ensure the adjuster faithfully executes their duties
and to protect the state against fraudulent behavior
Rationale: New York adjusters must provide a $1,000 surety bond to cover the licensing
period. This bond ensures the individual faithfully executes his or her duties as an
insurance adjuster. If an adjuster is found guilty of fraudulent behavior, the state may
recover any amount necessary from the bond . This is a specific requirement under
Insurance Law Section 2108(l).
Question 3: What is the duration of a New York Independent General
Adjuster's license before it requires renewal?
,A. One year
B. Two years
C. Three years
D. Four years
CORRECT ANSWER: B. Two years
Rationale: A New York Independent General Adjuster license is valid for two years. It
expires on December 31 in each even-numbered year. This is a key aspect of license
maintenance and duration .
Question 4: Does New York State require Continuing Education (CE) for
Independent General Adjusters to renew their license?
A. Yes, 24 hours every two years
B. Yes, 40 hours every two years
C. No, New York does not require CE for renewal
D. Yes, but only for adjusters handling specific lines of business
CORRECT ANSWER: C. No, New York does not require CE for renewal
Rationale: New York does NOT require Continuing Education in order to renew an
Independent General Adjuster's license. This is a distinct feature of New York's
regulatory framework for this license type .
Question 5: An adjuster's license in New York is due for renewal on December
31, 2026. If the adjuster fails to renew the license before this date, what is the
status of their license?
A. It is automatically extended for a 30-day grace period.
B. The adjuster must immediately reapply and retake the licensing exam.
C. The license expires, and the adjuster must follow the renewal process which may
include a late fee.
D. The license remains active if the adjuster pays a double fee.
CORRECT ANSWER: C. The license expires, and the adjuster must follow the
renewal process which may include a late fee.
Rationale: While the search results don't explicitly detail the grace period, standard
regulatory practice and the statement that the license "will expire" on a specific date
imply that failure to renew results in expiration. The adjuster must then follow the
renewal process, which may include a late fee or other requirements.
Question 6: Under New York Insurance Law, which of the following is NOT a
stated requirement for an individual to be considered "trustworthy and
competent" for licensure as an independent adjuster?
A. Being at least 18 years of age
B. Having never been convicted of a felony or crime involving dishonest practices
,C. Possessing a college degree in a related field
D. Passing a personal written examination to the satisfaction of the Superintendent
CORRECT ANSWER: C. Possessing a college degree in a related field
Rationale: The licensing requirements, as outlined in Section 2108 of the Insurance
Law and the licensing process, do not mandate a college degree. The primary
prerequisites are being at least 18 years old, being trustworthy and competent (which
includes a clean criminal record regarding fraud and dishonest acts), and passing the
required written examination. A degree is not specified in the qualifications .
Question 7: An insurer wishes to appoint a person to act as an independent
adjuster for claims arising from a catastrophic event. What is a key eligibility
criterion for a temporary adjuster permit?
A. The applicant must have held a license in another state for at least 10 years.
B. The applicant must have at least five years of experience adjusting claims as an
employee of an authorized insurer.
C. The applicant must be a licensed attorney in New York State.
D. The applicant must have completed a pre-licensing education course.
CORRECT ANSWER: B. The applicant must have at least five years of
experience adjusting claims as an employee of an authorized insurer.
Rationale: According to NY Insurance Law Section 2108(h)(1), any person who has had
at least five years' experience in adjusting claims as an employee of an authorized
insurer and has made application for a license may file for a temporary permit. This
permit allows them to adjust claims during the pendency of their license application .
Question 8: What is the maximum duration for which the Superintendent can
issue a temporary independent adjuster permit?
A. 30 days
B. 60 days
C. 90 days
D. 120 days
CORRECT ANSWER: D. 120 days
Rationale: NY Insurance Law Section 2108(h)(2) stipulates that the Superintendent may
issue a temporary permit to be effective for such period of time as specified but, in no
event, for a period in excess of one hundred twenty days . This allows for immediate
claims handling while the formal licensing application is processed.
Question 9: An independent adjuster changes their business address.
According to New York Regulation 25, Part 26.6, within how many days must
the adjuster report this change to the Superintendent?
A. 10 days
B. 15 days
, C. 30 days
D. 60 days
CORRECT ANSWER: C. 30 days
Rationale: The exam content outline specifies that "Change of address" is a
maintenance and duration topic governed by "Reg 25, Part 26.6" . Standard regulatory
practice for such notifications is typically 30 days, aligning with other reporting
requirements in the outline (e.g., reporting of actions).
Question 10: Which of the following actions is considered an unfair claim
settlement practice under New York Insurance Law Section 2601?
A. Denying a claim that is not covered under the policy
B. Not attempting in good faith to settle claims when liability is reasonably clear
C. Requesting a proof of loss from the insured
D. Conducting a thorough investigation of a claim
CORRECT ANSWER: B. Not attempting in good faith to settle claims when
liability is reasonably clear
Rationale: Section 2601 of the New York Insurance Law prohibits unfair claim
settlement practices. Not attempting in good faith to settle claims when liability is
reasonably clear is a specific violation. Denying an uncovered claim is not a violation, as
the insurer has no obligation to pay a claim not covered by the policy .
Question 11: Under New York's consumer privacy regulation (Reg 169, Parts
420.0 to 420.4), what is a primary obligation of an insurance licensee regarding
consumer information?
A. To sell consumer information to third-party marketers
B. To maintain the privacy and security of non-public personal information
C. To share all consumer information with affiliated companies without consent
D. To report consumer information to credit bureaus annually
CORRECT ANSWER: B. To maintain the privacy and security of non-public
personal information
Rationale: The exam content outline lists "Consumer privacy regulation (Reg 169, Parts
420.0 to 420.4)" under claim settlement laws and regulations . This regulation governs
the privacy and security of consumer information. Licensees have a duty to protect non-
public personal information.
Question 12: A licensee must report to the Superintendent of Insurance any
administrative action taken against the licensee in another jurisdiction or by
another governmental agency in this state within _____ of the final disposition
of the matter.
A. 15 Days
B. 30 Days
Independent General Adjuster License Updated 2026 |
190+ Questions and Answers | NY 17-70 Independent
General Adjuster Licensing Exam Prep, Comprehensive
Study Guide, Practice Exam, Test Bank, Property &
Casualty Insurance, Claims Investigation, Policy
Interpretation, Loss Adjustment, Liability Claims,
Property Damage Assessment, New York Insurance
Law, Ethics, Settlement Procedures, Detailed
Rationales and Complete Revision Material
Question 1: According to the New York Insurance Law, what is the minimum
age requirement for an individual applicant for an independent adjuster's
license?
A. 18 years of age
B. 21 years of age
C. 25 years of age
D. No age requirement
CORRECT ANSWER: A. 18 years of age
Rationale: New York Insurance Law Section 2108(c)(3) explicitly states that every
individual applicant for a license under this section and every proposed sub-licensee
shall be eighteen years of age or over at the time of the issuance of such license. This is
a fundamental qualification for licensure .
Question 2: Under the New York Independent General Adjuster licensing
requirements, what is the primary purpose of the required surety bond?
A. To guarantee the payment of claims to policyholders
B. To ensure the adjuster faithfully executes their duties and to protect the state against
fraudulent behavior
C. To provide funding for the state's insurance department operations
D. To serve as a performance bond for the insurer
CORRECT ANSWER: B. To ensure the adjuster faithfully executes their duties
and to protect the state against fraudulent behavior
Rationale: New York adjusters must provide a $1,000 surety bond to cover the licensing
period. This bond ensures the individual faithfully executes his or her duties as an
insurance adjuster. If an adjuster is found guilty of fraudulent behavior, the state may
recover any amount necessary from the bond . This is a specific requirement under
Insurance Law Section 2108(l).
Question 3: What is the duration of a New York Independent General
Adjuster's license before it requires renewal?
,A. One year
B. Two years
C. Three years
D. Four years
CORRECT ANSWER: B. Two years
Rationale: A New York Independent General Adjuster license is valid for two years. It
expires on December 31 in each even-numbered year. This is a key aspect of license
maintenance and duration .
Question 4: Does New York State require Continuing Education (CE) for
Independent General Adjusters to renew their license?
A. Yes, 24 hours every two years
B. Yes, 40 hours every two years
C. No, New York does not require CE for renewal
D. Yes, but only for adjusters handling specific lines of business
CORRECT ANSWER: C. No, New York does not require CE for renewal
Rationale: New York does NOT require Continuing Education in order to renew an
Independent General Adjuster's license. This is a distinct feature of New York's
regulatory framework for this license type .
Question 5: An adjuster's license in New York is due for renewal on December
31, 2026. If the adjuster fails to renew the license before this date, what is the
status of their license?
A. It is automatically extended for a 30-day grace period.
B. The adjuster must immediately reapply and retake the licensing exam.
C. The license expires, and the adjuster must follow the renewal process which may
include a late fee.
D. The license remains active if the adjuster pays a double fee.
CORRECT ANSWER: C. The license expires, and the adjuster must follow the
renewal process which may include a late fee.
Rationale: While the search results don't explicitly detail the grace period, standard
regulatory practice and the statement that the license "will expire" on a specific date
imply that failure to renew results in expiration. The adjuster must then follow the
renewal process, which may include a late fee or other requirements.
Question 6: Under New York Insurance Law, which of the following is NOT a
stated requirement for an individual to be considered "trustworthy and
competent" for licensure as an independent adjuster?
A. Being at least 18 years of age
B. Having never been convicted of a felony or crime involving dishonest practices
,C. Possessing a college degree in a related field
D. Passing a personal written examination to the satisfaction of the Superintendent
CORRECT ANSWER: C. Possessing a college degree in a related field
Rationale: The licensing requirements, as outlined in Section 2108 of the Insurance
Law and the licensing process, do not mandate a college degree. The primary
prerequisites are being at least 18 years old, being trustworthy and competent (which
includes a clean criminal record regarding fraud and dishonest acts), and passing the
required written examination. A degree is not specified in the qualifications .
Question 7: An insurer wishes to appoint a person to act as an independent
adjuster for claims arising from a catastrophic event. What is a key eligibility
criterion for a temporary adjuster permit?
A. The applicant must have held a license in another state for at least 10 years.
B. The applicant must have at least five years of experience adjusting claims as an
employee of an authorized insurer.
C. The applicant must be a licensed attorney in New York State.
D. The applicant must have completed a pre-licensing education course.
CORRECT ANSWER: B. The applicant must have at least five years of
experience adjusting claims as an employee of an authorized insurer.
Rationale: According to NY Insurance Law Section 2108(h)(1), any person who has had
at least five years' experience in adjusting claims as an employee of an authorized
insurer and has made application for a license may file for a temporary permit. This
permit allows them to adjust claims during the pendency of their license application .
Question 8: What is the maximum duration for which the Superintendent can
issue a temporary independent adjuster permit?
A. 30 days
B. 60 days
C. 90 days
D. 120 days
CORRECT ANSWER: D. 120 days
Rationale: NY Insurance Law Section 2108(h)(2) stipulates that the Superintendent may
issue a temporary permit to be effective for such period of time as specified but, in no
event, for a period in excess of one hundred twenty days . This allows for immediate
claims handling while the formal licensing application is processed.
Question 9: An independent adjuster changes their business address.
According to New York Regulation 25, Part 26.6, within how many days must
the adjuster report this change to the Superintendent?
A. 10 days
B. 15 days
, C. 30 days
D. 60 days
CORRECT ANSWER: C. 30 days
Rationale: The exam content outline specifies that "Change of address" is a
maintenance and duration topic governed by "Reg 25, Part 26.6" . Standard regulatory
practice for such notifications is typically 30 days, aligning with other reporting
requirements in the outline (e.g., reporting of actions).
Question 10: Which of the following actions is considered an unfair claim
settlement practice under New York Insurance Law Section 2601?
A. Denying a claim that is not covered under the policy
B. Not attempting in good faith to settle claims when liability is reasonably clear
C. Requesting a proof of loss from the insured
D. Conducting a thorough investigation of a claim
CORRECT ANSWER: B. Not attempting in good faith to settle claims when
liability is reasonably clear
Rationale: Section 2601 of the New York Insurance Law prohibits unfair claim
settlement practices. Not attempting in good faith to settle claims when liability is
reasonably clear is a specific violation. Denying an uncovered claim is not a violation, as
the insurer has no obligation to pay a claim not covered by the policy .
Question 11: Under New York's consumer privacy regulation (Reg 169, Parts
420.0 to 420.4), what is a primary obligation of an insurance licensee regarding
consumer information?
A. To sell consumer information to third-party marketers
B. To maintain the privacy and security of non-public personal information
C. To share all consumer information with affiliated companies without consent
D. To report consumer information to credit bureaus annually
CORRECT ANSWER: B. To maintain the privacy and security of non-public
personal information
Rationale: The exam content outline lists "Consumer privacy regulation (Reg 169, Parts
420.0 to 420.4)" under claim settlement laws and regulations . This regulation governs
the privacy and security of consumer information. Licensees have a duty to protect non-
public personal information.
Question 12: A licensee must report to the Superintendent of Insurance any
administrative action taken against the licensee in another jurisdiction or by
another governmental agency in this state within _____ of the final disposition
of the matter.
A. 15 Days
B. 30 Days
