Delaware Public Adjuster Licensing
Exam Questions and Correct
Answers with Detailed Rationales |
2026/2027 Edition | Exam Prep
Study Guide PDF
1. Under Delaware law, which type of claim is primarily within
the scope of a public adjuster’s authority?
A. Third-party bodily injury claims
B. Workers’ compensation claims
C. First-party property claims on behalf of an insured
D. Life insurance beneficiary claims
Rationale: Delaware defines a public adjuster in connection with
first-party claims arising under insurance contracts covering the
insured’s real or personal property. The public adjuster acts on
behalf of the insured in negotiating or effecting settlement of
covered losses.
2. Before acting as a public adjuster in Delaware, an individual
must first:
A. Obtain permission from the insurer
B. Become an attorney
C. Complete an apprenticeship with an insurer
D. Procure a public adjuster license from the Insurance
Commissioner
,Rationale: Delaware law prohibits a person from directly or
indirectly acting as a public adjuster without first obtaining the
required license from the Insurance Commissioner.
3. Which government official is responsible for issuing
Delaware public adjuster licenses?
A. Secretary of State
B. Attorney General
C. Insurance Commissioner
D. State Treasurer
Rationale: The Delaware Insurance Code places public adjuster
licensing authority with the Insurance Commissioner. Applicants
meeting the statutory requirements may be issued a public
adjuster license by the Commissioner.
4. Which of the following is specifically required for an
applicant seeking a Delaware public adjuster license?
A. A four-year college degree
B. Passing a written examination
C. Five years of experience as an insurer adjuster
D. Membership in a professional adjusting association
Rationale: Delaware requires an applicant to pass a written
examination, pay the applicable fee, and demonstrate sufficient
experience, training, and instruction concerning adjustment of
first-party property claims, as determined under applicable
requirements.
5. What is the required amount of the surety bond for a
Delaware public adjuster?
A. $5,000
B. $10,000
,C. $15,000
D. $20,000
Rationale: Delaware requires a public adjuster applicant to file a
bond issued by an authorized surety insurer in the amount of
$20,000. The bond serves to guarantee faithful performance of the
adjuster’s duties.
6. In whose favor must the Delaware public adjuster bond be
issued?
A. The insured
B. The insurer
C. The public adjuster’s employer
D. The State
Rationale: The statute requires the bond to be in favor of the State
and to authorize recovery by the Commissioner for specified
damages involving fraud or unfair practices connected with the
public adjuster’s business.
7. What happens to a Delaware public adjuster’s license if the
required bond is no longer in force?
A. The license remains active for 90 days
B. The license becomes inactive but can still be used
C. The Commissioner must first hold a hearing
D. The license automatically terminates
Rationale: Delaware law expressly provides that a public adjuster
license automatically terminates when the required bond is not in
force.
8. How much advance written notice must generally be given
before the required public adjuster bond is terminated?
, A. 10 days
B. 15 days
C. 30 days
D. 60 days
Rationale: The Delaware statute requires at least 30 days’ written
notice to the licensee, with the notice also filed with the
Commissioner, before termination of the bond.
9. A Delaware public adjuster contract with an insured must
generally be:
A. Oral and witnessed
B. Written only after the claim is settled
C. Approved by the insurer
D. Written on a form approved by the Commissioner
Rationale: Delaware requires a public adjuster to enter into a
written contract with the insured before acting as a public
adjuster in the State. The contract must use a form approved by
the Commissioner and be executed in duplicate.
10. How many copies of the public adjuster contract must
be executed under Delaware law?
A. One
B. Two
C. Three
D. Four
Rationale: The statute requires the written public adjuster
contract to be executed in duplicate by the public adjuster and
the insured or the insured’s duly authorized representative.
11. A Delaware insured who enters into a public adjuster
contract has the right to cancel the contract until:
Exam Questions and Correct
Answers with Detailed Rationales |
2026/2027 Edition | Exam Prep
Study Guide PDF
1. Under Delaware law, which type of claim is primarily within
the scope of a public adjuster’s authority?
A. Third-party bodily injury claims
B. Workers’ compensation claims
C. First-party property claims on behalf of an insured
D. Life insurance beneficiary claims
Rationale: Delaware defines a public adjuster in connection with
first-party claims arising under insurance contracts covering the
insured’s real or personal property. The public adjuster acts on
behalf of the insured in negotiating or effecting settlement of
covered losses.
2. Before acting as a public adjuster in Delaware, an individual
must first:
A. Obtain permission from the insurer
B. Become an attorney
C. Complete an apprenticeship with an insurer
D. Procure a public adjuster license from the Insurance
Commissioner
,Rationale: Delaware law prohibits a person from directly or
indirectly acting as a public adjuster without first obtaining the
required license from the Insurance Commissioner.
3. Which government official is responsible for issuing
Delaware public adjuster licenses?
A. Secretary of State
B. Attorney General
C. Insurance Commissioner
D. State Treasurer
Rationale: The Delaware Insurance Code places public adjuster
licensing authority with the Insurance Commissioner. Applicants
meeting the statutory requirements may be issued a public
adjuster license by the Commissioner.
4. Which of the following is specifically required for an
applicant seeking a Delaware public adjuster license?
A. A four-year college degree
B. Passing a written examination
C. Five years of experience as an insurer adjuster
D. Membership in a professional adjusting association
Rationale: Delaware requires an applicant to pass a written
examination, pay the applicable fee, and demonstrate sufficient
experience, training, and instruction concerning adjustment of
first-party property claims, as determined under applicable
requirements.
5. What is the required amount of the surety bond for a
Delaware public adjuster?
A. $5,000
B. $10,000
,C. $15,000
D. $20,000
Rationale: Delaware requires a public adjuster applicant to file a
bond issued by an authorized surety insurer in the amount of
$20,000. The bond serves to guarantee faithful performance of the
adjuster’s duties.
6. In whose favor must the Delaware public adjuster bond be
issued?
A. The insured
B. The insurer
C. The public adjuster’s employer
D. The State
Rationale: The statute requires the bond to be in favor of the State
and to authorize recovery by the Commissioner for specified
damages involving fraud or unfair practices connected with the
public adjuster’s business.
7. What happens to a Delaware public adjuster’s license if the
required bond is no longer in force?
A. The license remains active for 90 days
B. The license becomes inactive but can still be used
C. The Commissioner must first hold a hearing
D. The license automatically terminates
Rationale: Delaware law expressly provides that a public adjuster
license automatically terminates when the required bond is not in
force.
8. How much advance written notice must generally be given
before the required public adjuster bond is terminated?
, A. 10 days
B. 15 days
C. 30 days
D. 60 days
Rationale: The Delaware statute requires at least 30 days’ written
notice to the licensee, with the notice also filed with the
Commissioner, before termination of the bond.
9. A Delaware public adjuster contract with an insured must
generally be:
A. Oral and witnessed
B. Written only after the claim is settled
C. Approved by the insurer
D. Written on a form approved by the Commissioner
Rationale: Delaware requires a public adjuster to enter into a
written contract with the insured before acting as a public
adjuster in the State. The contract must use a form approved by
the Commissioner and be executed in duplicate.
10. How many copies of the public adjuster contract must
be executed under Delaware law?
A. One
B. Two
C. Three
D. Four
Rationale: The statute requires the written public adjuster
contract to be executed in duplicate by the public adjuster and
the insured or the insured’s duly authorized representative.
11. A Delaware insured who enters into a public adjuster
contract has the right to cancel the contract until:
