➢ 17-70 New York Independent General Adjuster
Certification Exam Updated 2026 | 200+ Practice
Questions & Verified Answers | Comprehensive
Insurance Licensing Study Guide, Claims Adjuster
Exam Prep, Property & Casualty Insurance, New
York Insurance Law, Coverage Determination, Loss
Adjustment, Claims Investigation, Liability, Ethics,
Detailed Rationales for First-Time Pass Success
Question 1: According to Section 2108 of the New York Insurance Law, which
of the following is a mandatory requirement for an individual applicant for an
independent adjuster's license?
A. Must be a resident of New York State.
B. Must have completed a 40-hour pre-licensing course.
C. Must be at least 18 years of age.
D. Must have at least two years of experience in the insurance business.
CORRECT ANSWER: C. Must be at least 18 years of age.
Rationale: Section 2108(c)(3) of the New York Insurance Law explicitly states that every
individual applicant for an adjuster's license must be 18 years of age or over at the time
of issuance. While other prerequisites exist, such as being trustworthy and competent,
the age requirement is a specific statutory mandate .
Question 2: What is the primary scope of authority granted to a licensee
holding a "General" independent adjuster license in New York?
A. Authority to adjust claims arising under all policies of insurance.
B. Authority to investigate and adjust all claims arising under policies of insurance as
specified for Fire, Inland Marine, Aviation, Automobile, and Casualty licenses.
C. Authority limited to adjusting property and casualty claims only.
D. Authority to act as both an independent adjuster and a public adjuster.
CORRECT ANSWER: B. Authority to investigate and adjust all claims arising
under policies of insurance as specified for Fire, Inland Marine, Aviation,
Automobile, and Casualty licenses.
Rationale: Per 11 NYCRR 26.3(j), an independent adjuster, general license grants the
authority to investigate and adjust all claims arising under the types of insurance
specified for the Fire, Inland Marine, Aviation, Automobile, and Casualty licenses
(subdivisions a through g). It does not grant blanket authority over all insurance lines,
such as Fidelity and Surety or Accident and Health, which have their own license types .
Question 3: An insurer wishes to pay a claim adjusting fee to a firm. Under
New York Insurance Law, when is this payment permissible?
A. Only if the firm is a licensed independent adjuster.
B. Only if the firm is a licensed public adjuster.
,C. Only if the firm is a licensed insurance agent.
D. Only if the firm is a licensed insurance broker.
CORRECT ANSWER: A. Only if the firm is a licensed independent adjuster.
Rationale: Section 2108(a)(4) of the New York Insurance Law prohibits an insurer,
agent, or other representative from paying any fees or compensation for acting as an
independent adjuster except to a licensed independent adjuster or to a person excepted
from the licensing requirement. This ensures that only qualified and licensed entities are
compensated for such services .
Question 4: A licensed independent adjuster in New York also holds a valid
insurance agent's license. Does this adjuster need any other license to act as an
adjuster?
A. Yes, they must hold a public adjuster's license as well.
B. Yes, they must obtain a separate consultant's license.
C. No, a license under Section 2108 permits the holder to act as an adjuster without any
other or additional license.
D. No, but only if the adjuster has been licensed for more than five years.
CORRECT ANSWER: C. No, a license under Section 2108 permits the holder to
act as an adjuster without any other or additional license.
Rationale: Section 2108(b) of the New York Insurance Law states that the holder of a
license under this section may act as an adjuster without any other or additional license.
Once an individual holds a valid adjuster's license, they are authorized to perform the
duties of an adjuster without needing another license for that specific function .
Question 5: What is the expiration schedule for a New York independent
adjuster license?
A. It expires on the licensee's birthday every year.
B. It expires on March 31st of each year.
C. It is a perpetual license with no expiration date.
D. It expires on December 31st of each even-numbered year.
CORRECT ANSWER: D. It expires on December 31st of each even-numbered
year.
Rationale: The licensing period for New York adjusters is two years. The license will
expire on December 31st in each even-numbered year. It is the licensee's responsibility
to renew the license before this date to continue acting as an adjuster .
Question 6: Which of the following persons is EXEMPT from the licensing
requirement as an independent adjuster under New York Insurance Law?
A. A salaried employee of an insurance company who adjusts claims.
B. An attorney who is licensed in New York and adjusts claims as part of their legal
practice.
,C. An adjuster of maritime losses.
D. An adjuster who works on a fee-for-service basis for multiple insurers.
CORRECT ANSWER: C. An adjuster of maritime losses.
Rationale: New York Insurance Law provides certain exceptions to the licensing
requirement. Among the persons excepted from licensure are adjusters of maritime
losses. While licensed attorneys and salaried employees may have specific exemptions
in some jurisdictions, maritime loss adjusters are a specific exception to the licensing
requirements of Article 21 .
Question 7: A corporation applies for an independent adjuster's license in New
York. Who must be named as sub-licensees on this corporate license?
A. The CEO and the General Counsel of the corporation.
B. Only the shareholders of the corporation.
C. The officers and directors of such corporation.
D. Any senior employee who will be adjusting claims.
CORRECT ANSWER: C. The officers and directors of such corporation.
Rationale: Section 2108(c)(2) of the New York Insurance Law specifies that a license
issued to a corporation may name as sub-licensees only the officers and directors of
such corporation. Each sub-licensee must be individually qualified to obtain an adjuster's
license .
Question 8: A fire causes significant damage to a commercial building. The
insured fails to protect the property from further damage, and a rainstorm
causes additional, preventable damage. The insurer may deny the claim for the
additional damage based on which principle?
A. The principle of insurable interest.
B. The "neglect" clause in the policy.
C. The principle of utmost good faith (uberrimae fidei).
D. The "other insurance" clause.
CORRECT ANSWER: B. The "neglect" clause in the policy.
Rationale: Insurance policies contain a "neglect" clause which stipulates that the
insured must use reasonable means to protect the property from further loss after a
covered loss occurs. If the insured fails to do so, the additional loss caused by such
neglect may be denied .
Question 9: An independent adjuster is appointed to handle claims following a
major catastrophe in New York. The Superintendent of Insurance deems it an
emergency situation. What is the maximum duration for which a temporary
adjuster permit can be issued in this scenario?
A. 30 days.
B. 60 days.
, C. 90 days.
D. 120 days.
CORRECT ANSWER: D. 120 days.
Rationale: In an emergency situation arising from a common catastrophe, the
Superintendent of Insurance has the authority to issue a temporary adjuster permit. This
permit allows an individual to assist in the adjustment of claims for a period of 120 days,
which helps expedite the processing of claims when licensed adjusters are in short
supply .
Question 10: If an insurance adjuster's license has been revoked for cause in
New York, when are they first eligible to apply for any other insurance license
in the state?
A. Immediately upon revocation.
B. After 30 days.
C. After one year.
D. After five years.
CORRECT ANSWER: C. After one year.
Rationale: State regulations dictate that any insurance adjuster whose license has been
revoked for cause will not be entitled to apply for any other insurance license in New
York until at least one year has passed since the revocation. This serves as a penalty for
actions that warranted the revocation .
Question 11: When an adjuster secures a recorded statement over the
telephone from a claimant, which of the following is a mandatory step?
A. Advising the claimant they are not allowed to have an attorney present.
B. Recording the call without the claimant's knowledge to ensure accuracy.
C. Identifying themselves, stating the date and time, and obtaining the claimant's
permission to record.
D. Stating that the recorded statement is a binding legal document.
CORRECT ANSWER: C. Identifying themselves, stating the date and time, and
obtaining the claimant's permission to record.
Rationale: When obtaining a recorded statement, it is an industry-standard and ethical
practice for the adjuster to properly identify themselves, state the date and time, and
request and receive permission from the claimant to record the conversation. Failure to
do so can compromise the admissibility and integrity of the statement .
Question 12: What is the purpose of the $1,000 surety bond required of New
York independent adjusters?
A. To guarantee the adjuster's performance of their duties and protect the state against
potential fraudulent behavior.
B. To secure errors and omissions insurance for the adjuster.
Certification Exam Updated 2026 | 200+ Practice
Questions & Verified Answers | Comprehensive
Insurance Licensing Study Guide, Claims Adjuster
Exam Prep, Property & Casualty Insurance, New
York Insurance Law, Coverage Determination, Loss
Adjustment, Claims Investigation, Liability, Ethics,
Detailed Rationales for First-Time Pass Success
Question 1: According to Section 2108 of the New York Insurance Law, which
of the following is a mandatory requirement for an individual applicant for an
independent adjuster's license?
A. Must be a resident of New York State.
B. Must have completed a 40-hour pre-licensing course.
C. Must be at least 18 years of age.
D. Must have at least two years of experience in the insurance business.
CORRECT ANSWER: C. Must be at least 18 years of age.
Rationale: Section 2108(c)(3) of the New York Insurance Law explicitly states that every
individual applicant for an adjuster's license must be 18 years of age or over at the time
of issuance. While other prerequisites exist, such as being trustworthy and competent,
the age requirement is a specific statutory mandate .
Question 2: What is the primary scope of authority granted to a licensee
holding a "General" independent adjuster license in New York?
A. Authority to adjust claims arising under all policies of insurance.
B. Authority to investigate and adjust all claims arising under policies of insurance as
specified for Fire, Inland Marine, Aviation, Automobile, and Casualty licenses.
C. Authority limited to adjusting property and casualty claims only.
D. Authority to act as both an independent adjuster and a public adjuster.
CORRECT ANSWER: B. Authority to investigate and adjust all claims arising
under policies of insurance as specified for Fire, Inland Marine, Aviation,
Automobile, and Casualty licenses.
Rationale: Per 11 NYCRR 26.3(j), an independent adjuster, general license grants the
authority to investigate and adjust all claims arising under the types of insurance
specified for the Fire, Inland Marine, Aviation, Automobile, and Casualty licenses
(subdivisions a through g). It does not grant blanket authority over all insurance lines,
such as Fidelity and Surety or Accident and Health, which have their own license types .
Question 3: An insurer wishes to pay a claim adjusting fee to a firm. Under
New York Insurance Law, when is this payment permissible?
A. Only if the firm is a licensed independent adjuster.
B. Only if the firm is a licensed public adjuster.
,C. Only if the firm is a licensed insurance agent.
D. Only if the firm is a licensed insurance broker.
CORRECT ANSWER: A. Only if the firm is a licensed independent adjuster.
Rationale: Section 2108(a)(4) of the New York Insurance Law prohibits an insurer,
agent, or other representative from paying any fees or compensation for acting as an
independent adjuster except to a licensed independent adjuster or to a person excepted
from the licensing requirement. This ensures that only qualified and licensed entities are
compensated for such services .
Question 4: A licensed independent adjuster in New York also holds a valid
insurance agent's license. Does this adjuster need any other license to act as an
adjuster?
A. Yes, they must hold a public adjuster's license as well.
B. Yes, they must obtain a separate consultant's license.
C. No, a license under Section 2108 permits the holder to act as an adjuster without any
other or additional license.
D. No, but only if the adjuster has been licensed for more than five years.
CORRECT ANSWER: C. No, a license under Section 2108 permits the holder to
act as an adjuster without any other or additional license.
Rationale: Section 2108(b) of the New York Insurance Law states that the holder of a
license under this section may act as an adjuster without any other or additional license.
Once an individual holds a valid adjuster's license, they are authorized to perform the
duties of an adjuster without needing another license for that specific function .
Question 5: What is the expiration schedule for a New York independent
adjuster license?
A. It expires on the licensee's birthday every year.
B. It expires on March 31st of each year.
C. It is a perpetual license with no expiration date.
D. It expires on December 31st of each even-numbered year.
CORRECT ANSWER: D. It expires on December 31st of each even-numbered
year.
Rationale: The licensing period for New York adjusters is two years. The license will
expire on December 31st in each even-numbered year. It is the licensee's responsibility
to renew the license before this date to continue acting as an adjuster .
Question 6: Which of the following persons is EXEMPT from the licensing
requirement as an independent adjuster under New York Insurance Law?
A. A salaried employee of an insurance company who adjusts claims.
B. An attorney who is licensed in New York and adjusts claims as part of their legal
practice.
,C. An adjuster of maritime losses.
D. An adjuster who works on a fee-for-service basis for multiple insurers.
CORRECT ANSWER: C. An adjuster of maritime losses.
Rationale: New York Insurance Law provides certain exceptions to the licensing
requirement. Among the persons excepted from licensure are adjusters of maritime
losses. While licensed attorneys and salaried employees may have specific exemptions
in some jurisdictions, maritime loss adjusters are a specific exception to the licensing
requirements of Article 21 .
Question 7: A corporation applies for an independent adjuster's license in New
York. Who must be named as sub-licensees on this corporate license?
A. The CEO and the General Counsel of the corporation.
B. Only the shareholders of the corporation.
C. The officers and directors of such corporation.
D. Any senior employee who will be adjusting claims.
CORRECT ANSWER: C. The officers and directors of such corporation.
Rationale: Section 2108(c)(2) of the New York Insurance Law specifies that a license
issued to a corporation may name as sub-licensees only the officers and directors of
such corporation. Each sub-licensee must be individually qualified to obtain an adjuster's
license .
Question 8: A fire causes significant damage to a commercial building. The
insured fails to protect the property from further damage, and a rainstorm
causes additional, preventable damage. The insurer may deny the claim for the
additional damage based on which principle?
A. The principle of insurable interest.
B. The "neglect" clause in the policy.
C. The principle of utmost good faith (uberrimae fidei).
D. The "other insurance" clause.
CORRECT ANSWER: B. The "neglect" clause in the policy.
Rationale: Insurance policies contain a "neglect" clause which stipulates that the
insured must use reasonable means to protect the property from further loss after a
covered loss occurs. If the insured fails to do so, the additional loss caused by such
neglect may be denied .
Question 9: An independent adjuster is appointed to handle claims following a
major catastrophe in New York. The Superintendent of Insurance deems it an
emergency situation. What is the maximum duration for which a temporary
adjuster permit can be issued in this scenario?
A. 30 days.
B. 60 days.
, C. 90 days.
D. 120 days.
CORRECT ANSWER: D. 120 days.
Rationale: In an emergency situation arising from a common catastrophe, the
Superintendent of Insurance has the authority to issue a temporary adjuster permit. This
permit allows an individual to assist in the adjustment of claims for a period of 120 days,
which helps expedite the processing of claims when licensed adjusters are in short
supply .
Question 10: If an insurance adjuster's license has been revoked for cause in
New York, when are they first eligible to apply for any other insurance license
in the state?
A. Immediately upon revocation.
B. After 30 days.
C. After one year.
D. After five years.
CORRECT ANSWER: C. After one year.
Rationale: State regulations dictate that any insurance adjuster whose license has been
revoked for cause will not be entitled to apply for any other insurance license in New
York until at least one year has passed since the revocation. This serves as a penalty for
actions that warranted the revocation .
Question 11: When an adjuster secures a recorded statement over the
telephone from a claimant, which of the following is a mandatory step?
A. Advising the claimant they are not allowed to have an attorney present.
B. Recording the call without the claimant's knowledge to ensure accuracy.
C. Identifying themselves, stating the date and time, and obtaining the claimant's
permission to record.
D. Stating that the recorded statement is a binding legal document.
CORRECT ANSWER: C. Identifying themselves, stating the date and time, and
obtaining the claimant's permission to record.
Rationale: When obtaining a recorded statement, it is an industry-standard and ethical
practice for the adjuster to properly identify themselves, state the date and time, and
request and receive permission from the claimant to record the conversation. Failure to
do so can compromise the admissibility and integrity of the statement .
Question 12: What is the purpose of the $1,000 surety bond required of New
York independent adjusters?
A. To guarantee the adjuster's performance of their duties and protect the state against
potential fraudulent behavior.
B. To secure errors and omissions insurance for the adjuster.
