NY Independent General Adjuster Exam
2026/2027 | Verified Questions
Official State Insurance Regulatory Board | Verified Q&A | Aspiring Independent and Staff
Adjusters
This comprehensive examination preparation document contains 100 original, verified multiple-choice
questions meticulously designed to reinforce the core competencies required for the New York Independent
General Adjuster Licensing Examination. The questions are distributed across four critical domain areas:
State Insurance Law and Regulations (25%), Policy Provisions and Coverage Analysis (25%), Claims
Handling and Investigation (25%), and Ethics, Fraud Detection, and Professional Standards (25%). Each
question has been crafted to test a distinct sub-topic within its domain, ensuring comprehensive coverage of
the knowledge areas assessed on the licensing examination. This is original content designed to reinforce
official course objectives for exam readiness, regulatory compliance mastery, and guaranteed academic
success. All questions are accompanied by detailed rationales grounded in the Official Adjuster Licensing
Study Manual, the New York State Insurance Code, and Standard Industry Claims Handling Guidelines.
Content Area Questions Key Topics Weight
State Insurance Law and 25 Licensing requirements, unfair trade 25%
Regulations practices, regulatory compliance, DFS
authority, CE requirements, insurance
code
Policy Provisions and 25 HO-3, commercial property, CGL, auto 25%
Coverage Analysis policy, inland marine, endorsements,
exclusions, conditions, valuation
methods
Claims Handling and 25 FNOL, reserves, coverage verification, 25%
Investigation damage evaluation, EUO, settlement
negotiation, salvage, subrogation,
catastrophe claims
Ethics, Fraud Detection, and 25 Fraud red flags, fiduciary duties, 25%
Professional Standards confidentiality, staged accidents, claim
padding, SIU, ethical decision-making,
NICB
Domain: State Insurance Law and Regulations
Question 1: Under New York Insurance Law, what is the primary purpose of requiring an
independent adjuster to obtain a state license before adjusting claims?
A) To generate revenue for the state regulatory agency
B) To ensure adjusters possess minimum competency and protect consumers from unqualified
practitioners
C) To limit the number of insurance professionals in the market
D) To allow the state to monitor all insurance claims filed by residents
Answer: B
Rationale: New York Insurance Law Section 2101 et seq. establishes licensing requirements to ensure
that individuals handling claims on behalf of insurers have demonstrated baseline knowledge of
insurance principles, state regulations, and ethical standards. The overarching purpose is consumer
protection, ensuring claimants receive competent and fair treatment during the claims process.
Question 2: An independent general adjuster in New York fails to renew their license before
the expiration date. How many days does the adjuster have to submit a late renewal
application before a new examination is required?
A) 15 days
NY Independent General Adjuster Exam 2026/2027
, B) 30 days
C) 90 days
D) 180 days
Answer: C
Rationale: Under New York Insurance Department regulations, a licensee has a grace period of 90
days following license expiration to file a late renewal. If the renewal is not submitted within this 90-
day window, the individual must reapply and successfully pass the licensing examination again, as
the license is considered lapsed beyond recovery.
Question 3: Which of the following activities constitutes the unauthorized practice of
adjusting under New York Insurance Law?
A) A licensed adjuster negotiating a property claim settlement on behalf of the insurer
B) An unlicensed individual providing estimates of repair costs to a homeowner for their insurance
claim
C) A public adjuster who holds a valid New York public adjuster license evaluating damage
D) A staff adjuster employed directly by an admitted insurance company investigating a claim
Answer: B
Rationale: New York Insurance Law prohibits unlicensed individuals from engaging in the business
of adjusting insurance claims for compensation. While a homeowner may discuss repair costs with
contractors, an individual who is actively providing estimates and advice intended to influence the
insurance claim settlement is engaged in adjusting and must hold a valid adjuster license.
Question 4: What is the minimum age requirement to apply for an independent general
adjuster license in New York State?
A) 16 years old
B) 18 years old
C) 21 years old
D) 25 years old
Answer: B
Rationale: New York Insurance Law Section 2103 requires that applicants for an adjuster license be
at least 18 years of age. This minimum age requirement is consistent with the state's approach to
ensuring that licensees have reached the age of legal majority and can be held fully accountable for
their professional conduct and contractual obligations.
Question 5: A New York-licensed independent adjuster wishes to also adjust claims in a
reciprocal state. Which of the following best describes the typical process?
A) The adjuster must pass the other state's examination regardless of any reciprocal agreement
B) The adjuster may qualify for a non-resident license through reciprocity if the home state grants
similar privileges to that state's adjusters
C) The adjuster must surrender their New York license before applying in the other state
D) The adjuster must obtain written permission from the New York Insurance Department before
applying
Answer: B
Rationale: Most states participate in reciprocity agreements that allow a resident-licensed adjuster to
obtain a non-resident license in another state without taking that state's examination, provided the
home state offers similar reciprocity to the other state's residents. New York participates in these
agreements, facilitating multistate adjusting for properly licensed professionals.
Question 6: Under New York Insurance Law, which entity has the authority to suspend,
revoke, or refuse to renew an adjuster's license?
A) The National Association of Insurance Commissioners (NAIC)
B) The local county court system
C) The Superintendent of the New York Department of Financial Services (DFS)
D) The Federal Insurance Office (FIO)
Answer: C
NY Independent General Adjuster Exam 2026/2027
, Rationale: Pursuant to New York Insurance Law Section 2109, the Superintendent of the Department
of Financial Services (formerly the Insurance Department) has sole authority to discipline licensed
adjusters through suspension, revocation, or refusal to renew. This authority ensures centralized
regulatory oversight of insurance professionals operating within the state.
Question 7: Which of the following is classified as an unfair claim settlement practice under
New York Insurance Regulation 11?
A) An adjuster requesting that a claimant submit to an examination under oath
B) An insurer failing to acknowledge and act upon a communication regarding a claim within a
reasonable period of time
C) An adjuster providing a detailed written denial of a claim with specific policy references
D) An insurer offering a settlement that is less than the full policy limit but reflects actual covered
damages
Answer: B
Rationale: New York Insurance Regulation 11 (Unfair Claim Settlement Practices) specifically
prohibits insurers and their representatives from failing to acknowledge and act upon
communications related to claims within a reasonable timeframe. This regulation is designed to
prevent claimants from being left in the dark about the status of their claims and to ensure timely and
responsive claims handling.
Question 8: An independent adjuster discovers that a claimant has filed a claim under two
separate insurance policies for the same loss. What regulatory obligation does the adjuster
have?
A) The adjuster should process both claims independently and let each insurer determine coverage
B) The adjuster must report the potential duplicate filing to the insurer and cooperate in any
investigation of potential fraud
C) The adjuster may ignore the duplicate filing as long as the claimant is insured under both policies
D) The adjuster should advise the claimant to withdraw one of the claims to avoid complications
Answer: B
Rationale: Under New York Insurance Law and standard industry claims handling guidelines,
adjusters have an obligation to report potential fraud indicators to their principal (the insurer). Filing
duplicate claims for the same loss is a significant red flag for insurance fraud. The adjuster must
document the finding, report it to the insurer, and cooperate fully with any resulting investigation.
Question 9: How many hours of continuing education (CE) must a New York-licensed
independent adjuster complete during each license renewal period?
A) 10 hours
B) 15 hours
C) 24 hours
D) 30 hours
Answer: C
Rationale: New York requires licensed insurance adjusters to complete 24 hours of continuing
education during each biennial license renewal period. This includes specific required topics such as
ethics and compliance. CE requirements ensure that adjusters maintain current knowledge of
evolving insurance laws, regulations, and industry best practices throughout their careers.
Question 10: Under New York Insurance Law, which of the following constitutes a prohibited
unfair trade practice by an adjuster?
A) Recommending that a claimant consult with an attorney regarding their claim rights
B) Misrepresenting material facts or policy provisions to a claimant to induce a settlement
C) Providing the claimant with a copy of the applicable policy language relevant to their claim
D) Requesting additional documentation necessary to evaluate the claim
Answer: B
Rationale: New York Insurance Law Section 3420 prohibits misrepresentation of material facts or
policy provisions in connection with the sale, solicitation, or settlement of insurance. An adjuster who
knowingly misrepresents coverage, exclusions, or claim procedures to induce a claimant to accept a
settlement is engaging in an unfair trade practice that can result in license suspension or revocation.
NY Independent General Adjuster Exam 2026/2027
2026/2027 | Verified Questions
Official State Insurance Regulatory Board | Verified Q&A | Aspiring Independent and Staff
Adjusters
This comprehensive examination preparation document contains 100 original, verified multiple-choice
questions meticulously designed to reinforce the core competencies required for the New York Independent
General Adjuster Licensing Examination. The questions are distributed across four critical domain areas:
State Insurance Law and Regulations (25%), Policy Provisions and Coverage Analysis (25%), Claims
Handling and Investigation (25%), and Ethics, Fraud Detection, and Professional Standards (25%). Each
question has been crafted to test a distinct sub-topic within its domain, ensuring comprehensive coverage of
the knowledge areas assessed on the licensing examination. This is original content designed to reinforce
official course objectives for exam readiness, regulatory compliance mastery, and guaranteed academic
success. All questions are accompanied by detailed rationales grounded in the Official Adjuster Licensing
Study Manual, the New York State Insurance Code, and Standard Industry Claims Handling Guidelines.
Content Area Questions Key Topics Weight
State Insurance Law and 25 Licensing requirements, unfair trade 25%
Regulations practices, regulatory compliance, DFS
authority, CE requirements, insurance
code
Policy Provisions and 25 HO-3, commercial property, CGL, auto 25%
Coverage Analysis policy, inland marine, endorsements,
exclusions, conditions, valuation
methods
Claims Handling and 25 FNOL, reserves, coverage verification, 25%
Investigation damage evaluation, EUO, settlement
negotiation, salvage, subrogation,
catastrophe claims
Ethics, Fraud Detection, and 25 Fraud red flags, fiduciary duties, 25%
Professional Standards confidentiality, staged accidents, claim
padding, SIU, ethical decision-making,
NICB
Domain: State Insurance Law and Regulations
Question 1: Under New York Insurance Law, what is the primary purpose of requiring an
independent adjuster to obtain a state license before adjusting claims?
A) To generate revenue for the state regulatory agency
B) To ensure adjusters possess minimum competency and protect consumers from unqualified
practitioners
C) To limit the number of insurance professionals in the market
D) To allow the state to monitor all insurance claims filed by residents
Answer: B
Rationale: New York Insurance Law Section 2101 et seq. establishes licensing requirements to ensure
that individuals handling claims on behalf of insurers have demonstrated baseline knowledge of
insurance principles, state regulations, and ethical standards. The overarching purpose is consumer
protection, ensuring claimants receive competent and fair treatment during the claims process.
Question 2: An independent general adjuster in New York fails to renew their license before
the expiration date. How many days does the adjuster have to submit a late renewal
application before a new examination is required?
A) 15 days
NY Independent General Adjuster Exam 2026/2027
, B) 30 days
C) 90 days
D) 180 days
Answer: C
Rationale: Under New York Insurance Department regulations, a licensee has a grace period of 90
days following license expiration to file a late renewal. If the renewal is not submitted within this 90-
day window, the individual must reapply and successfully pass the licensing examination again, as
the license is considered lapsed beyond recovery.
Question 3: Which of the following activities constitutes the unauthorized practice of
adjusting under New York Insurance Law?
A) A licensed adjuster negotiating a property claim settlement on behalf of the insurer
B) An unlicensed individual providing estimates of repair costs to a homeowner for their insurance
claim
C) A public adjuster who holds a valid New York public adjuster license evaluating damage
D) A staff adjuster employed directly by an admitted insurance company investigating a claim
Answer: B
Rationale: New York Insurance Law prohibits unlicensed individuals from engaging in the business
of adjusting insurance claims for compensation. While a homeowner may discuss repair costs with
contractors, an individual who is actively providing estimates and advice intended to influence the
insurance claim settlement is engaged in adjusting and must hold a valid adjuster license.
Question 4: What is the minimum age requirement to apply for an independent general
adjuster license in New York State?
A) 16 years old
B) 18 years old
C) 21 years old
D) 25 years old
Answer: B
Rationale: New York Insurance Law Section 2103 requires that applicants for an adjuster license be
at least 18 years of age. This minimum age requirement is consistent with the state's approach to
ensuring that licensees have reached the age of legal majority and can be held fully accountable for
their professional conduct and contractual obligations.
Question 5: A New York-licensed independent adjuster wishes to also adjust claims in a
reciprocal state. Which of the following best describes the typical process?
A) The adjuster must pass the other state's examination regardless of any reciprocal agreement
B) The adjuster may qualify for a non-resident license through reciprocity if the home state grants
similar privileges to that state's adjusters
C) The adjuster must surrender their New York license before applying in the other state
D) The adjuster must obtain written permission from the New York Insurance Department before
applying
Answer: B
Rationale: Most states participate in reciprocity agreements that allow a resident-licensed adjuster to
obtain a non-resident license in another state without taking that state's examination, provided the
home state offers similar reciprocity to the other state's residents. New York participates in these
agreements, facilitating multistate adjusting for properly licensed professionals.
Question 6: Under New York Insurance Law, which entity has the authority to suspend,
revoke, or refuse to renew an adjuster's license?
A) The National Association of Insurance Commissioners (NAIC)
B) The local county court system
C) The Superintendent of the New York Department of Financial Services (DFS)
D) The Federal Insurance Office (FIO)
Answer: C
NY Independent General Adjuster Exam 2026/2027
, Rationale: Pursuant to New York Insurance Law Section 2109, the Superintendent of the Department
of Financial Services (formerly the Insurance Department) has sole authority to discipline licensed
adjusters through suspension, revocation, or refusal to renew. This authority ensures centralized
regulatory oversight of insurance professionals operating within the state.
Question 7: Which of the following is classified as an unfair claim settlement practice under
New York Insurance Regulation 11?
A) An adjuster requesting that a claimant submit to an examination under oath
B) An insurer failing to acknowledge and act upon a communication regarding a claim within a
reasonable period of time
C) An adjuster providing a detailed written denial of a claim with specific policy references
D) An insurer offering a settlement that is less than the full policy limit but reflects actual covered
damages
Answer: B
Rationale: New York Insurance Regulation 11 (Unfair Claim Settlement Practices) specifically
prohibits insurers and their representatives from failing to acknowledge and act upon
communications related to claims within a reasonable timeframe. This regulation is designed to
prevent claimants from being left in the dark about the status of their claims and to ensure timely and
responsive claims handling.
Question 8: An independent adjuster discovers that a claimant has filed a claim under two
separate insurance policies for the same loss. What regulatory obligation does the adjuster
have?
A) The adjuster should process both claims independently and let each insurer determine coverage
B) The adjuster must report the potential duplicate filing to the insurer and cooperate in any
investigation of potential fraud
C) The adjuster may ignore the duplicate filing as long as the claimant is insured under both policies
D) The adjuster should advise the claimant to withdraw one of the claims to avoid complications
Answer: B
Rationale: Under New York Insurance Law and standard industry claims handling guidelines,
adjusters have an obligation to report potential fraud indicators to their principal (the insurer). Filing
duplicate claims for the same loss is a significant red flag for insurance fraud. The adjuster must
document the finding, report it to the insurer, and cooperate fully with any resulting investigation.
Question 9: How many hours of continuing education (CE) must a New York-licensed
independent adjuster complete during each license renewal period?
A) 10 hours
B) 15 hours
C) 24 hours
D) 30 hours
Answer: C
Rationale: New York requires licensed insurance adjusters to complete 24 hours of continuing
education during each biennial license renewal period. This includes specific required topics such as
ethics and compliance. CE requirements ensure that adjusters maintain current knowledge of
evolving insurance laws, regulations, and industry best practices throughout their careers.
Question 10: Under New York Insurance Law, which of the following constitutes a prohibited
unfair trade practice by an adjuster?
A) Recommending that a claimant consult with an attorney regarding their claim rights
B) Misrepresenting material facts or policy provisions to a claimant to induce a settlement
C) Providing the claimant with a copy of the applicable policy language relevant to their claim
D) Requesting additional documentation necessary to evaluate the claim
Answer: B
Rationale: New York Insurance Law Section 3420 prohibits misrepresentation of material facts or
policy provisions in connection with the sale, solicitation, or settlement of insurance. An adjuster who
knowingly misrepresents coverage, exclusions, or claim procedures to induce a claimant to accept a
settlement is engaging in an unfair trade practice that can result in license suspension or revocation.
NY Independent General Adjuster Exam 2026/2027
