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South Carolina All-Lines Adjuster EXAM QUESTIONS AND
CORRECT VERIFIED SOLUTIONS LATEST UPDATE THIS YEAR –
JUST RELEASED
South Carolina All-Lines Adjuster Exam
EXAM COVERAGE OVERVIEW (10 Key Points)
1. Licensing Authority: The South Carolina Department of Insurance (SCDOI) regulates
adjuster licensing under Title 38, Chapter 47 of the SC Code of Laws .
2. Exam Format: The All-Lines Adjuster exam consists of 100 questions with a two-hour
time limit covering property, casualty, surety, and marine insurance .
3. Passing Score: Candidates must score at least 70 points to pass .
4. Exam Weighting: Insurance Regulation (10%), Insurance Basics (14%), Adjusting Losses
(20%), Dwelling Policy (7%), Homeowners Policy (15%), Auto Insurance (19%),
Commercial Package Policy (3%), and Other Coverages .
5. Auto Liability Minimums: South Carolina mandates 25/50/25 minimum liability limits
($25,000 bodily injury per person, $50,000 per accident, $25,000 property damage)
under the Financial Responsibility Act .
6. Valued Policy Law: For a total fire loss, the insured recovers the exact face value of the
policy—depreciation is void and ACV is irrelevant under SC Code §38-75-20, 30 .
7. Coastal Windpool Rule: SCWHUA enforces a strict 15-day waiting period for wind/hail
coverage; Zone 1 defaults to a 3% deductible, Zone 2 to 2% .
8. Timeline Requirements: Proof of loss forms must be furnished within 20 days; clean
electronic claims must be paid within 20 business days . License renewals occur
in August of odd-numbered years with an $80 fee .
9. Adjuster Licensing: The Director must verify applicants are of good moral character,
have sufficient insurance knowledge, have not violated insurance laws, and are fit and
proper . Nonresident adjusters are not licensed from states that refuse SC adjusters
reciprocity .
10. CE Requirements: Resident adjusters must complete 24 hours of continuing
education biennially, including 3 hours of ethics .
SECTION 1: LICENSING AND REGULATORY FRAMEWORK (Questions 1-20)
1. Which South Carolina agency regulates insurance adjusters?
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A) South Carolina Department of Commerce
B) South Carolina Department of Insurance (SCDOI)
C) South Carolina Attorney General's Office
D) South Carolina Department of Revenue
Answer: B) South Carolina Department of Insurance (SCDOI)
Rationale: The South Carolina Department of Insurance (SCDOI) regulates insurance adjusters.
The Director of Insurance (or designee) has authority over adjuster licensing, examinations, and
disciplinary actions under Title 38, Chapter 47 .
2. What chapter of the South Carolina Code of Laws governs insurance adjusters?
A) Title 38, Chapter 45
B) Title 38, Chapter 47
C) Title 38, Chapter 49
D) Title 38, Chapter 51
Answer: B) Title 38, Chapter 47
Rationale: Title 38, Chapter 47 of the South Carolina Code of Laws details the definitions and
mandates for insurance adjusters, including licensing requirements, qualifications, and conduct
standards .
3. What is the minimum age to apply for an adjuster's license in South Carolina?
A) 16 years old
B) 18 years old
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C) 21 years old
D) 25 years old
Answer: B) 18 years old
Rationale: South Carolina requires adjuster license applicants to be at least eighteen (18) years
old .
4. What qualifications must the Director of Insurance verify before issuing an adjuster's
license?
A) Only that the applicant has paid the fee
B) Good moral character, sufficient insurance knowledge, no insurance law violations, and fit
and proper
C) Only that the applicant has work experience
D) Only that the applicant has a college degree
Answer: B) Good moral character, sufficient insurance knowledge, no insurance law violations,
and fit and proper
Rationale: Under S.C. Code §38-47-10(A), the Director must verify that each applicant is of good
moral character, has sufficient knowledge of the insurance business and their duties as an
adjuster, has not violated insurance laws, and is a fit and proper individual .
5. Under S.C. Code §38-47-10(A), can a license be issued to a nonresident adjuster from a
state that refuses to license South Carolina adjusters?
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A) Yes, all nonresidents are licensed equally
B) No, no license may be issued to a nonresident adjuster who resides in a state refusing to
license South Carolina adjusters
C) Only with special permission
D) Only on a temporary basis
Answer: B) No, no license may be issued to a nonresident adjuster who resides in a state
refusing to license South Carolina adjusters
Rationale: S.C. Code §38-47-10(A) includes a retaliatory provision: no license may be issued to a
nonresident adjuster who resides in a state that refuses to license South Carolina adjusters .
6. What is the license renewal fee for South Carolina adjusters, and when are licenses
renewed?
A) $50, renewed annually
B) $80 (minimum, subject to retaliatory fees), renewed in August of odd-numbered years
C) $150, renewed every three years
D) $200, renewed in January of even years
Answer: B) $80 (minimum, subject to retaliatory fees), renewed in August of odd-numbered
years
Rationale: South Carolina adjuster licenses are renewed in August of odd-numbered years with
a base fee of $80. However, the fee is retaliatory—if an adjuster's home state charges more than
$80, South Carolina will charge the same amount .
South Carolina All-Lines Adjuster EXAM QUESTIONS AND
CORRECT VERIFIED SOLUTIONS LATEST UPDATE THIS YEAR –
JUST RELEASED
South Carolina All-Lines Adjuster Exam
EXAM COVERAGE OVERVIEW (10 Key Points)
1. Licensing Authority: The South Carolina Department of Insurance (SCDOI) regulates
adjuster licensing under Title 38, Chapter 47 of the SC Code of Laws .
2. Exam Format: The All-Lines Adjuster exam consists of 100 questions with a two-hour
time limit covering property, casualty, surety, and marine insurance .
3. Passing Score: Candidates must score at least 70 points to pass .
4. Exam Weighting: Insurance Regulation (10%), Insurance Basics (14%), Adjusting Losses
(20%), Dwelling Policy (7%), Homeowners Policy (15%), Auto Insurance (19%),
Commercial Package Policy (3%), and Other Coverages .
5. Auto Liability Minimums: South Carolina mandates 25/50/25 minimum liability limits
($25,000 bodily injury per person, $50,000 per accident, $25,000 property damage)
under the Financial Responsibility Act .
6. Valued Policy Law: For a total fire loss, the insured recovers the exact face value of the
policy—depreciation is void and ACV is irrelevant under SC Code §38-75-20, 30 .
7. Coastal Windpool Rule: SCWHUA enforces a strict 15-day waiting period for wind/hail
coverage; Zone 1 defaults to a 3% deductible, Zone 2 to 2% .
8. Timeline Requirements: Proof of loss forms must be furnished within 20 days; clean
electronic claims must be paid within 20 business days . License renewals occur
in August of odd-numbered years with an $80 fee .
9. Adjuster Licensing: The Director must verify applicants are of good moral character,
have sufficient insurance knowledge, have not violated insurance laws, and are fit and
proper . Nonresident adjusters are not licensed from states that refuse SC adjusters
reciprocity .
10. CE Requirements: Resident adjusters must complete 24 hours of continuing
education biennially, including 3 hours of ethics .
SECTION 1: LICENSING AND REGULATORY FRAMEWORK (Questions 1-20)
1. Which South Carolina agency regulates insurance adjusters?
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A) South Carolina Department of Commerce
B) South Carolina Department of Insurance (SCDOI)
C) South Carolina Attorney General's Office
D) South Carolina Department of Revenue
Answer: B) South Carolina Department of Insurance (SCDOI)
Rationale: The South Carolina Department of Insurance (SCDOI) regulates insurance adjusters.
The Director of Insurance (or designee) has authority over adjuster licensing, examinations, and
disciplinary actions under Title 38, Chapter 47 .
2. What chapter of the South Carolina Code of Laws governs insurance adjusters?
A) Title 38, Chapter 45
B) Title 38, Chapter 47
C) Title 38, Chapter 49
D) Title 38, Chapter 51
Answer: B) Title 38, Chapter 47
Rationale: Title 38, Chapter 47 of the South Carolina Code of Laws details the definitions and
mandates for insurance adjusters, including licensing requirements, qualifications, and conduct
standards .
3. What is the minimum age to apply for an adjuster's license in South Carolina?
A) 16 years old
B) 18 years old
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C) 21 years old
D) 25 years old
Answer: B) 18 years old
Rationale: South Carolina requires adjuster license applicants to be at least eighteen (18) years
old .
4. What qualifications must the Director of Insurance verify before issuing an adjuster's
license?
A) Only that the applicant has paid the fee
B) Good moral character, sufficient insurance knowledge, no insurance law violations, and fit
and proper
C) Only that the applicant has work experience
D) Only that the applicant has a college degree
Answer: B) Good moral character, sufficient insurance knowledge, no insurance law violations,
and fit and proper
Rationale: Under S.C. Code §38-47-10(A), the Director must verify that each applicant is of good
moral character, has sufficient knowledge of the insurance business and their duties as an
adjuster, has not violated insurance laws, and is a fit and proper individual .
5. Under S.C. Code §38-47-10(A), can a license be issued to a nonresident adjuster from a
state that refuses to license South Carolina adjusters?
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A) Yes, all nonresidents are licensed equally
B) No, no license may be issued to a nonresident adjuster who resides in a state refusing to
license South Carolina adjusters
C) Only with special permission
D) Only on a temporary basis
Answer: B) No, no license may be issued to a nonresident adjuster who resides in a state
refusing to license South Carolina adjusters
Rationale: S.C. Code §38-47-10(A) includes a retaliatory provision: no license may be issued to a
nonresident adjuster who resides in a state that refuses to license South Carolina adjusters .
6. What is the license renewal fee for South Carolina adjusters, and when are licenses
renewed?
A) $50, renewed annually
B) $80 (minimum, subject to retaliatory fees), renewed in August of odd-numbered years
C) $150, renewed every three years
D) $200, renewed in January of even years
Answer: B) $80 (minimum, subject to retaliatory fees), renewed in August of odd-numbered
years
Rationale: South Carolina adjuster licenses are renewed in August of odd-numbered years with
a base fee of $80. However, the fee is retaliatory—if an adjuster's home state charges more than
$80, South Carolina will charge the same amount .
