NY (DFS) IGAL EXAM
New York Department of Financial Services (DFS)
Independent General Adjuster Licensing Examination: Series
17-70 – 200-Question Practice Exam with Answer Key and
Detailed Rationales (2026/2027 Edition)
NY INDEPENDENT GENERAL ADJUSTER EXAM
Series 17-70 | New York Department of Financial Services (DFS)
2026/2027 Edition | Comprehensive Examination
SECTION 1: LICENSING REQUIREMENTS AND REGULATIONS
QUESTION 1:
Under New York Insurance Law § 2108, which of the following is a requirement for an individual
applicant seeking an independent adjuster license?
A. Completion of a state-approved prelicensing course of at least 40 hours
B. A minimum of two years of experience in the insurance business
C. Taking and passing a personal written examination to determine trustworthiness and competency
D. Obtaining sponsorship from a licensed insurance company
ANSWER:
C. Taking and passing a personal written examination to determine trustworthiness and competency
RATIONALE:
New York Insurance Law § 2108(f)(1) requires that the Superintendent shall, in order to determine
the trustworthiness and competency to act as an independent adjuster of each individual applicant,
require every such individual to take and pass a personal written examination . While legislation has
been proposed to allow for alternative qualifications such as one year of insurance experience or 40
hours of formal training, the examination remains the primary requirement . Options A and B
describe proposed alternatives that may substitute for the examination requirement but are not
standalone requirements. Option D is incorrect because sponsorship is not a requirement for an
independent adjuster license.
QUESTION 2:
When must a licensed independent adjuster in New York notify the Superintendent of Financial
Services of a change of address?
A. Within 10 business days
B. Within 30 days
C. Within 60 days
D. At the time of license renewal only
, NY (DFS) IGAL EXAM
ANSWER:
B. Within 30 days
RATIONALE:
Under New York DFS regulations, licensees must notify the Superintendent of any change of address,
including email addresses, within 30 days . This requirement ensures that the Department can
maintain accurate records and effectively communicate with licensees regarding their licensure
status, renewals, and any disciplinary matters. The other timeframes (10, 60 days, or renewal only)
are incorrect as they do not align with the regulatory requirement for address change notification.
QUESTION 3:
What is the minimum continuing education requirement for a New York independent adjuster
license renewal as of the 2025/2026 licensing period?
A. 12 hours every two years
B. 15 credit hours biennially
C. 24 hours every three years
D. 40 hours every two years
ANSWER:
B. 15 credit hours biennially
RATIONALE:
Under New York Insurance Law § 2108(r), resident and non-resident persons licensed as public or
independent adjusters shall biennially satisfactorily complete courses or programs approved by the
Superintendent equivalent to fifteen credit hours of instruction . This reflects the updated
requirement that applies to both public and independent adjusters. Option C (24 hours every three
years) reflects older or outdated information, while options A and D are incorrect timeframes and
credit hour requirements.
QUESTION 4:
Which of the following is NOT a type of independent adjuster license prescribed by the New York
DFS?
A. Independent adjuster, fire
B. Independent adjuster, general
C. Independent adjuster, life and health
D. Independent adjuster, fidelity and surety
ANSWER:
C. Independent adjuster, life and health
RATIONALE:
NYCRR Title 11, Part 26.3 prescribes the following types of independent adjuster licenses: fire, inland
marine, aviation, automobile, motor vehicle no-fault and workers' compensation health service
charges, automobile damage or theft appraisals, casualty, fidelity and surety, accident and health,
general, and multi-peril crop insurance . "Independent adjuster, life and health" is not a prescribed
type; the correct term for health-related claims is "accident and health." Additionally, life insurance
, NY (DFS) IGAL EXAM
claims are not typically handled by independent adjusters in the same manner as property and
casualty claims.
QUESTION 5:
An applicant for an independent adjuster license in New York who has had their license revoked for
cause:
A. May reapply immediately after paying a reinstatement fee
B. Cannot apply for any other insurance license in New York until at least one year has passed
C. Must wait five years before reapplying
D. Is permanently barred from obtaining any insurance license
ANSWER:
B. Cannot apply for any other insurance license in New York until at least one year has passed
RATIONALE:
An adjuster whose license has been revoked for cause cannot apply for any other insurance license
in New York until at least one year has passed . This waiting period allows for a demonstration of
rehabilitation and ensures that the individual has had time to address the issues that led to the
revocation. Option A is incorrect as there is no immediate reinstatement option. Options C and D are
incorrect as they misstate the waiting period and permanent bar status.
QUESTION 6:
The Superintendent of Financial Services may require an applicant for an adjuster's license to
present evidence of:
A. Having obtained a bachelor's degree from an accredited university
B. Having been employed for a reasonable period by an insurer, independent adjuster, or public
adjuster
C. Passing a background check conducted by the FBI
D. Having obtained errors and omissions insurance
ANSWER:
B. Having been employed for a reasonable period by an insurer, independent adjuster, or public
adjuster
RATIONALE:
Under Insurance Law § 2108(g), the Superintendent may, in their discretion, require an applicant to
present evidence that they have been employed for a period deemed reasonable by an insurer, an
independent adjuster, or a public adjuster in the performance of duties that would provide
satisfactory preliminary training . This is a discretionary requirement, not mandatory. Option A is
incorrect as there is no degree requirement. Option C refers to fingerprinting which is a separate
requirement. Option D is not a licensing prerequisite.
QUESTION 7:
What is the license fee for an independent adjuster's license in New York?
, NY (DFS) IGAL EXAM
A. $25 for each year or fraction of a year
B. $50 for each year or fraction of a year
C. $100 for each two-year period
D. $150 for each biennial licensing period
ANSWER:
B. $50 for each year or fraction of a year
RATIONALE:
Under Insurance Law § 2108(i)(1), at the time of application for every adjuster's license and for every
renewal thereof, there shall be paid to the Superintendent by each individual applicant and by each
proposed sub-licensee a fee of fifty dollars for each year or fraction of a year in which a license shall
be valid . This fee structure applies to both initial applications and renewals. Options A, C, and D are
incorrect amounts or misstate the fee structure.
QUESTION 8:
Which of the following is a requirement for obtaining a temporary permit to adjust claims in New
York?
A. The applicant must be an employee of a licensed independent adjuster
B. The applicant must have at least five years of adjusting experience
C. The applicant must pass a written examination before the permit is issued
D. The applicant must be a New York State resident
ANSWER:
A. The applicant must be an employee of a licensed independent adjuster
RATIONALE:
Under Insurance Law § 2108(h)(1), the Superintendent may issue a temporary permit to adjust
claims during the pendency of an application for a license as an independent adjuster to an
employee of a licensed independent adjuster or, in the case of an auto body repair estimator, an
employee of an authorized insurer or adjustment bureau . Option B is incorrect; the five-year
experience requirement applies to waiver of examination, not temporary permits. Option C is
incorrect as the permit is issued during the application process. Option D has no residency
requirement for temporary permits.
QUESTION 9:
Under Regulation 64 (11 NYCRR 216), insurers must acknowledge receipt of a claim within how many
calendar days after receiving notification?
A. 10 calendar days
B. 15 calendar days
C. 30 calendar days
D. 45 calendar days
ANSWER:
B. 15 calendar days
New York Department of Financial Services (DFS)
Independent General Adjuster Licensing Examination: Series
17-70 – 200-Question Practice Exam with Answer Key and
Detailed Rationales (2026/2027 Edition)
NY INDEPENDENT GENERAL ADJUSTER EXAM
Series 17-70 | New York Department of Financial Services (DFS)
2026/2027 Edition | Comprehensive Examination
SECTION 1: LICENSING REQUIREMENTS AND REGULATIONS
QUESTION 1:
Under New York Insurance Law § 2108, which of the following is a requirement for an individual
applicant seeking an independent adjuster license?
A. Completion of a state-approved prelicensing course of at least 40 hours
B. A minimum of two years of experience in the insurance business
C. Taking and passing a personal written examination to determine trustworthiness and competency
D. Obtaining sponsorship from a licensed insurance company
ANSWER:
C. Taking and passing a personal written examination to determine trustworthiness and competency
RATIONALE:
New York Insurance Law § 2108(f)(1) requires that the Superintendent shall, in order to determine
the trustworthiness and competency to act as an independent adjuster of each individual applicant,
require every such individual to take and pass a personal written examination . While legislation has
been proposed to allow for alternative qualifications such as one year of insurance experience or 40
hours of formal training, the examination remains the primary requirement . Options A and B
describe proposed alternatives that may substitute for the examination requirement but are not
standalone requirements. Option D is incorrect because sponsorship is not a requirement for an
independent adjuster license.
QUESTION 2:
When must a licensed independent adjuster in New York notify the Superintendent of Financial
Services of a change of address?
A. Within 10 business days
B. Within 30 days
C. Within 60 days
D. At the time of license renewal only
, NY (DFS) IGAL EXAM
ANSWER:
B. Within 30 days
RATIONALE:
Under New York DFS regulations, licensees must notify the Superintendent of any change of address,
including email addresses, within 30 days . This requirement ensures that the Department can
maintain accurate records and effectively communicate with licensees regarding their licensure
status, renewals, and any disciplinary matters. The other timeframes (10, 60 days, or renewal only)
are incorrect as they do not align with the regulatory requirement for address change notification.
QUESTION 3:
What is the minimum continuing education requirement for a New York independent adjuster
license renewal as of the 2025/2026 licensing period?
A. 12 hours every two years
B. 15 credit hours biennially
C. 24 hours every three years
D. 40 hours every two years
ANSWER:
B. 15 credit hours biennially
RATIONALE:
Under New York Insurance Law § 2108(r), resident and non-resident persons licensed as public or
independent adjusters shall biennially satisfactorily complete courses or programs approved by the
Superintendent equivalent to fifteen credit hours of instruction . This reflects the updated
requirement that applies to both public and independent adjusters. Option C (24 hours every three
years) reflects older or outdated information, while options A and D are incorrect timeframes and
credit hour requirements.
QUESTION 4:
Which of the following is NOT a type of independent adjuster license prescribed by the New York
DFS?
A. Independent adjuster, fire
B. Independent adjuster, general
C. Independent adjuster, life and health
D. Independent adjuster, fidelity and surety
ANSWER:
C. Independent adjuster, life and health
RATIONALE:
NYCRR Title 11, Part 26.3 prescribes the following types of independent adjuster licenses: fire, inland
marine, aviation, automobile, motor vehicle no-fault and workers' compensation health service
charges, automobile damage or theft appraisals, casualty, fidelity and surety, accident and health,
general, and multi-peril crop insurance . "Independent adjuster, life and health" is not a prescribed
type; the correct term for health-related claims is "accident and health." Additionally, life insurance
, NY (DFS) IGAL EXAM
claims are not typically handled by independent adjusters in the same manner as property and
casualty claims.
QUESTION 5:
An applicant for an independent adjuster license in New York who has had their license revoked for
cause:
A. May reapply immediately after paying a reinstatement fee
B. Cannot apply for any other insurance license in New York until at least one year has passed
C. Must wait five years before reapplying
D. Is permanently barred from obtaining any insurance license
ANSWER:
B. Cannot apply for any other insurance license in New York until at least one year has passed
RATIONALE:
An adjuster whose license has been revoked for cause cannot apply for any other insurance license
in New York until at least one year has passed . This waiting period allows for a demonstration of
rehabilitation and ensures that the individual has had time to address the issues that led to the
revocation. Option A is incorrect as there is no immediate reinstatement option. Options C and D are
incorrect as they misstate the waiting period and permanent bar status.
QUESTION 6:
The Superintendent of Financial Services may require an applicant for an adjuster's license to
present evidence of:
A. Having obtained a bachelor's degree from an accredited university
B. Having been employed for a reasonable period by an insurer, independent adjuster, or public
adjuster
C. Passing a background check conducted by the FBI
D. Having obtained errors and omissions insurance
ANSWER:
B. Having been employed for a reasonable period by an insurer, independent adjuster, or public
adjuster
RATIONALE:
Under Insurance Law § 2108(g), the Superintendent may, in their discretion, require an applicant to
present evidence that they have been employed for a period deemed reasonable by an insurer, an
independent adjuster, or a public adjuster in the performance of duties that would provide
satisfactory preliminary training . This is a discretionary requirement, not mandatory. Option A is
incorrect as there is no degree requirement. Option C refers to fingerprinting which is a separate
requirement. Option D is not a licensing prerequisite.
QUESTION 7:
What is the license fee for an independent adjuster's license in New York?
, NY (DFS) IGAL EXAM
A. $25 for each year or fraction of a year
B. $50 for each year or fraction of a year
C. $100 for each two-year period
D. $150 for each biennial licensing period
ANSWER:
B. $50 for each year or fraction of a year
RATIONALE:
Under Insurance Law § 2108(i)(1), at the time of application for every adjuster's license and for every
renewal thereof, there shall be paid to the Superintendent by each individual applicant and by each
proposed sub-licensee a fee of fifty dollars for each year or fraction of a year in which a license shall
be valid . This fee structure applies to both initial applications and renewals. Options A, C, and D are
incorrect amounts or misstate the fee structure.
QUESTION 8:
Which of the following is a requirement for obtaining a temporary permit to adjust claims in New
York?
A. The applicant must be an employee of a licensed independent adjuster
B. The applicant must have at least five years of adjusting experience
C. The applicant must pass a written examination before the permit is issued
D. The applicant must be a New York State resident
ANSWER:
A. The applicant must be an employee of a licensed independent adjuster
RATIONALE:
Under Insurance Law § 2108(h)(1), the Superintendent may issue a temporary permit to adjust
claims during the pendency of an application for a license as an independent adjuster to an
employee of a licensed independent adjuster or, in the case of an auto body repair estimator, an
employee of an authorized insurer or adjustment bureau . Option B is incorrect; the five-year
experience requirement applies to waiver of examination, not temporary permits. Option C is
incorrect as the permit is issued during the application process. Option D has no residency
requirement for temporary permits.
QUESTION 9:
Under Regulation 64 (11 NYCRR 216), insurers must acknowledge receipt of a claim within how many
calendar days after receiving notification?
A. 10 calendar days
B. 15 calendar days
C. 30 calendar days
D. 45 calendar days
ANSWER:
B. 15 calendar days
