NY Independent General Adjuster Exam – 2026/2027
Official State Insurance Regulatory Board | Verified
Q&A | Aspiring Independent and Staff Adjusters
INTRODUCTION
Welcome to the most comprehensive NY Independent General Adjuster Exam
preparation guide for the 2026–2027 testing cycle. This document contains 200
original, verified multiple-choice questions meticulously designed to reinforce the
core competencies required for the New York Independent General Adjuster
Licensing Examination.
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
Correct 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.
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
, • B. 30 days
• C. 90 days
• D. 180 days
Correct 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.
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
Correct 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.
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
Correct 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.
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
Correct 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.
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)
Correct Answer: C
Rationale: The Superintendent of the New York Department of Financial Services
(DFS) has the statutory authority under New York Insurance Law Section 2110 to
suspend, revoke, or refuse to renew an adjuster's license for violations of insurance
laws, regulations, or for other just cause. The NAIC (A) is a voluntary association
of insurance regulators, not an enforcement body. The FIO (D) is a federal
advisory office with no direct licensing authority.
7. A New York independent adjuster license is valid for what duration before it
must be renewed?
• A. Two years, expiring on December 31 of even-numbered years
• B. One year, expiring on January 1
• C. Three years, expiring on June 30
• D. Five years, expiring on the licensee's birthday
Correct Answer: A
Rationale: New York independent adjuster licenses are biennial and expire on
December 31 of even-numbered years. Licensees must complete continuing
education requirements and submit a renewal application before the expiration date
to maintain their license in good standing.
8. Which of the following is NOT a requirement for obtaining an independent
adjuster license in New York?
• A. Passing the state licensing examination
• B. Being at least 18 years of age
Official State Insurance Regulatory Board | Verified
Q&A | Aspiring Independent and Staff Adjusters
INTRODUCTION
Welcome to the most comprehensive NY Independent General Adjuster Exam
preparation guide for the 2026–2027 testing cycle. This document contains 200
original, verified multiple-choice questions meticulously designed to reinforce the
core competencies required for the New York Independent General Adjuster
Licensing Examination.
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
Correct 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.
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
, • B. 30 days
• C. 90 days
• D. 180 days
Correct 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.
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
Correct 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.
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
Correct 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.
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
Correct 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.
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)
Correct Answer: C
Rationale: The Superintendent of the New York Department of Financial Services
(DFS) has the statutory authority under New York Insurance Law Section 2110 to
suspend, revoke, or refuse to renew an adjuster's license for violations of insurance
laws, regulations, or for other just cause. The NAIC (A) is a voluntary association
of insurance regulators, not an enforcement body. The FIO (D) is a federal
advisory office with no direct licensing authority.
7. A New York independent adjuster license is valid for what duration before it
must be renewed?
• A. Two years, expiring on December 31 of even-numbered years
• B. One year, expiring on January 1
• C. Three years, expiring on June 30
• D. Five years, expiring on the licensee's birthday
Correct Answer: A
Rationale: New York independent adjuster licenses are biennial and expire on
December 31 of even-numbered years. Licensees must complete continuing
education requirements and submit a renewal application before the expiration date
to maintain their license in good standing.
8. Which of the following is NOT a requirement for obtaining an independent
adjuster license in New York?
• A. Passing the state licensing examination
• B. Being at least 18 years of age
