Connecticut Public Adjuster
Licensing Exam Questions and
Correct Answers with Detailed
Rationales | 2026/2027 Edition |
Exam Prep Study Guide PDF
Question 1
What is the primary role of a public adjuster in Connecticut?
A. Represent the insurance company in settling claims
B. Represent the insured in preparing, negotiating, and settling
a covered first-party property claim
C. Sell insurance policies on behalf of an insurer
D. Determine whether an insurer must renew a policy
Rationale: A public adjuster works on behalf of the insured rather
than the insurance company. Connecticut defines a public
adjuster in terms of preparing, documenting, submitting,
negotiating, adjusting, or settling first-party property claims for an
insured for compensation.
Question 2
Which Connecticut state agency is responsible for regulating
public adjusters?
A. Department of Consumer Protection
B. Department of Labor
,C. Connecticut Insurance Department
D. Secretary of State
Rationale: The Connecticut Insurance Department is responsible
for licensing and regulating public adjusters and other insurance
professionals in the state. Its Licensing Unit administers licensing
standards and examinations.
Question 3
Which type of claim is most directly associated with the work of a
public adjuster?
A. Third-party bodily injury claim
B. Workers' compensation claim
C. First-party property claim
D. Life insurance beneficiary claim
Rationale: A public adjuster represents an insured in connection
with a first-party property claim, such as a claim for covered
damage to the insured's building or personal property.
Connecticut's definition specifically addresses first-party
property claims under personal or commercial risk policies.
Question 4
A Connecticut resident wants to obtain a Public Adjuster license.
What must generally be completed before taking the licensing
examination?
A. Two years of employment as an adjuster
B. A four-year insurance degree
,C. Required pre-licensing education
D. A criminal background investigation
Rationale: Connecticut currently requires pre-licensing education
for the Public Adjuster license. The Department states that the
Property (Public Adjuster) course requires 40 hours of training.
Question 5
How many hours of pre-licensing education does Connecticut
currently require for a Property Public Adjuster applicant?
A. 10 hours
B. 20 hours
C. 30 hours
D. 40 hours
Rationale: Connecticut's current examination and pre-licensing
guidance identifies 40 hours of training as the requirement for
Property (Public Adjuster). This is different from several single-line
producer courses, which generally require 20 hours.
Question 6
After passing the Connecticut Public Adjuster examination,
approximately how long should an applicant generally wait before
applying so the examination result can be electronically verified?
A. 24 hours
B. 1–2 business days
C. 10 business days
D. 30 calendar days
, Rationale: The Connecticut Insurance Department states that
applicants should wait 1–2 business days after passing before
submitting the license application because the Department
verifies examination results electronically.
Question 7
Through which system does Connecticut generally accept
insurance license applications?
A. State court filing system
B. Pearson licensing portal only
C. National Insurance Producer Registry (NIPR)
D. Department of Labor portal
Rationale: Connecticut directs applicants to submit insurance
license applications through NIPR. The Department specifically
states that paper applications are not accepted and applications
must be submitted online through NIPR.
Question 8
Which statement correctly describes Connecticut's current
Public Adjuster license term?
A. One year, expiring December 31
B. Two years, expiring on the applicant's birthday
C. Two years, expiring April 30 of every even-numbered year
D. Five years, expiring June 30
Rationale: The Connecticut Insurance Department identifies the
Public Adjuster license duration as two years and states that it
expires on April 30 of every even-numbered year.
Licensing Exam Questions and
Correct Answers with Detailed
Rationales | 2026/2027 Edition |
Exam Prep Study Guide PDF
Question 1
What is the primary role of a public adjuster in Connecticut?
A. Represent the insurance company in settling claims
B. Represent the insured in preparing, negotiating, and settling
a covered first-party property claim
C. Sell insurance policies on behalf of an insurer
D. Determine whether an insurer must renew a policy
Rationale: A public adjuster works on behalf of the insured rather
than the insurance company. Connecticut defines a public
adjuster in terms of preparing, documenting, submitting,
negotiating, adjusting, or settling first-party property claims for an
insured for compensation.
Question 2
Which Connecticut state agency is responsible for regulating
public adjusters?
A. Department of Consumer Protection
B. Department of Labor
,C. Connecticut Insurance Department
D. Secretary of State
Rationale: The Connecticut Insurance Department is responsible
for licensing and regulating public adjusters and other insurance
professionals in the state. Its Licensing Unit administers licensing
standards and examinations.
Question 3
Which type of claim is most directly associated with the work of a
public adjuster?
A. Third-party bodily injury claim
B. Workers' compensation claim
C. First-party property claim
D. Life insurance beneficiary claim
Rationale: A public adjuster represents an insured in connection
with a first-party property claim, such as a claim for covered
damage to the insured's building or personal property.
Connecticut's definition specifically addresses first-party
property claims under personal or commercial risk policies.
Question 4
A Connecticut resident wants to obtain a Public Adjuster license.
What must generally be completed before taking the licensing
examination?
A. Two years of employment as an adjuster
B. A four-year insurance degree
,C. Required pre-licensing education
D. A criminal background investigation
Rationale: Connecticut currently requires pre-licensing education
for the Public Adjuster license. The Department states that the
Property (Public Adjuster) course requires 40 hours of training.
Question 5
How many hours of pre-licensing education does Connecticut
currently require for a Property Public Adjuster applicant?
A. 10 hours
B. 20 hours
C. 30 hours
D. 40 hours
Rationale: Connecticut's current examination and pre-licensing
guidance identifies 40 hours of training as the requirement for
Property (Public Adjuster). This is different from several single-line
producer courses, which generally require 20 hours.
Question 6
After passing the Connecticut Public Adjuster examination,
approximately how long should an applicant generally wait before
applying so the examination result can be electronically verified?
A. 24 hours
B. 1–2 business days
C. 10 business days
D. 30 calendar days
, Rationale: The Connecticut Insurance Department states that
applicants should wait 1–2 business days after passing before
submitting the license application because the Department
verifies examination results electronically.
Question 7
Through which system does Connecticut generally accept
insurance license applications?
A. State court filing system
B. Pearson licensing portal only
C. National Insurance Producer Registry (NIPR)
D. Department of Labor portal
Rationale: Connecticut directs applicants to submit insurance
license applications through NIPR. The Department specifically
states that paper applications are not accepted and applications
must be submitted online through NIPR.
Question 8
Which statement correctly describes Connecticut's current
Public Adjuster license term?
A. One year, expiring December 31
B. Two years, expiring on the applicant's birthday
C. Two years, expiring April 30 of every even-numbered year
D. Five years, expiring June 30
Rationale: The Connecticut Insurance Department identifies the
Public Adjuster license duration as two years and states that it
expires on April 30 of every even-numbered year.
