Nevada Public Adjuster Licensing
Exam Questions and Correct
Answers with Detailed Rationales |
2026/2027 Edition | Exam Prep
Study Guide PDF
1. Which statement best defines a public adjuster under
Nevada law?
A. An adjuster who represents an insurer in settling property
claims
B. An adjuster who represents both the insurer and insured
equally
C. An adjuster employed by and representing solely the financial
interests of the insured named in the policy
D. An adjuster who handles only workers’ compensation claims
Answer: C.
Under NRS 684A.030, a public adjuster is an adjuster employed
by and representing solely the financial interests of the insured
named in the policy. A public adjuster does not represent the
insurer’s financial interests and is distinct from an independent or
company adjuster.
2. Which line of authority is available for a Nevada public
adjuster license?
A. Life and Health
B. Property and Casualty
,C. Workers’ Compensation only
D. Surety only
Answer: B.
The Nevada Division of Insurance identifies the public adjuster
line of authority as Adjuster Property and Casualty. Public
adjusters work on behalf of insureds concerning covered property
and casualty losses rather than serving as representatives of
insurers.
3. What is the minimum age generally required for an
individual to qualify for a Nevada public adjuster license?
A. 16
B. 18
C. 19
D. 21
Answer: B.
NRS 684A.070 requires an individual seeking an adjuster license
to be at least 18 years of age. This is one of the statutory
qualifications for licensure in Nevada.
4. A Nevada public adjuster represents which party in an
insurance claim?
A. The insurer
B. The reinsurer
C. The insured named in the policy
D. The Nevada Division of Insurance
,Answer: C.
The defining characteristic of a public adjuster is representation of
the insured’s financial interests. Nevada specifically describes a
public adjuster as representing solely the financial interests of the
insured named in the policy.
5. Which activity would generally fall within the role of a public
adjuster?
A. Representing the insured in the adjustment of a covered
property claim
B. Issuing an insurance policy on behalf of an insurer
C. Selling life insurance
D. Auditing an insurer’s financial statements
Answer: A.
A public adjuster works for the insured in connection with covered
claims. The adjuster may investigate, negotiate, and assist with
settlement of the insured’s property or casualty claim, subject to
Nevada law and the adjuster’s duties.
6. Under Nevada law, may a person act as an adjuster without
the required license?
A. Yes, if the person charges no fee
B. Yes, if the claim is under $10,000
C. No, unless a statutory exception applies
D. Yes, if the insured gives written permission
Answer: C.
NRS 684A.040 generally prohibits a person from acting as or
holding himself or herself out to be an adjuster in Nevada unless
, properly licensed, subject to statutory exceptions. The law also
provides penalties for violations.
7. What is one general qualification Nevada requires of an
individual applying for an adjuster license?
A. The applicant must own an insurance company
B. The applicant must be competent, trustworthy, financially
responsible, and of good reputation
C. The applicant must have a law degree
D. The applicant must have five years of claims experience
Answer: B.
NRS 684A.070 requires an adjuster license applicant to be
competent, trustworthy, financially responsible, and of good
reputation, as determined by the Commissioner. Nevada does not
impose a general requirement that every applicant have a law
degree or five years of claims experience.
8. Which criminal convictions are specifically identified in
Nevada's adjuster licensing qualifications?
A. Speeding and parking violations
B. Forgery, embezzlement, obtaining money under false
pretenses, larceny, extortion, or conspiracy to defraud
C. All misdemeanor traffic offenses
D. Any bankruptcy proceeding
Answer: B.
NRS 684A.070 specifically identifies convictions or qualifying
pleas involving forgery, embezzlement, obtaining money under
false pretenses, larceny, extortion, and conspiracy to defraud as
Exam Questions and Correct
Answers with Detailed Rationales |
2026/2027 Edition | Exam Prep
Study Guide PDF
1. Which statement best defines a public adjuster under
Nevada law?
A. An adjuster who represents an insurer in settling property
claims
B. An adjuster who represents both the insurer and insured
equally
C. An adjuster employed by and representing solely the financial
interests of the insured named in the policy
D. An adjuster who handles only workers’ compensation claims
Answer: C.
Under NRS 684A.030, a public adjuster is an adjuster employed
by and representing solely the financial interests of the insured
named in the policy. A public adjuster does not represent the
insurer’s financial interests and is distinct from an independent or
company adjuster.
2. Which line of authority is available for a Nevada public
adjuster license?
A. Life and Health
B. Property and Casualty
,C. Workers’ Compensation only
D. Surety only
Answer: B.
The Nevada Division of Insurance identifies the public adjuster
line of authority as Adjuster Property and Casualty. Public
adjusters work on behalf of insureds concerning covered property
and casualty losses rather than serving as representatives of
insurers.
3. What is the minimum age generally required for an
individual to qualify for a Nevada public adjuster license?
A. 16
B. 18
C. 19
D. 21
Answer: B.
NRS 684A.070 requires an individual seeking an adjuster license
to be at least 18 years of age. This is one of the statutory
qualifications for licensure in Nevada.
4. A Nevada public adjuster represents which party in an
insurance claim?
A. The insurer
B. The reinsurer
C. The insured named in the policy
D. The Nevada Division of Insurance
,Answer: C.
The defining characteristic of a public adjuster is representation of
the insured’s financial interests. Nevada specifically describes a
public adjuster as representing solely the financial interests of the
insured named in the policy.
5. Which activity would generally fall within the role of a public
adjuster?
A. Representing the insured in the adjustment of a covered
property claim
B. Issuing an insurance policy on behalf of an insurer
C. Selling life insurance
D. Auditing an insurer’s financial statements
Answer: A.
A public adjuster works for the insured in connection with covered
claims. The adjuster may investigate, negotiate, and assist with
settlement of the insured’s property or casualty claim, subject to
Nevada law and the adjuster’s duties.
6. Under Nevada law, may a person act as an adjuster without
the required license?
A. Yes, if the person charges no fee
B. Yes, if the claim is under $10,000
C. No, unless a statutory exception applies
D. Yes, if the insured gives written permission
Answer: C.
NRS 684A.040 generally prohibits a person from acting as or
holding himself or herself out to be an adjuster in Nevada unless
, properly licensed, subject to statutory exceptions. The law also
provides penalties for violations.
7. What is one general qualification Nevada requires of an
individual applying for an adjuster license?
A. The applicant must own an insurance company
B. The applicant must be competent, trustworthy, financially
responsible, and of good reputation
C. The applicant must have a law degree
D. The applicant must have five years of claims experience
Answer: B.
NRS 684A.070 requires an adjuster license applicant to be
competent, trustworthy, financially responsible, and of good
reputation, as determined by the Commissioner. Nevada does not
impose a general requirement that every applicant have a law
degree or five years of claims experience.
8. Which criminal convictions are specifically identified in
Nevada's adjuster licensing qualifications?
A. Speeding and parking violations
B. Forgery, embezzlement, obtaining money under false
pretenses, larceny, extortion, or conspiracy to defraud
C. All misdemeanor traffic offenses
D. Any bankruptcy proceeding
Answer: B.
NRS 684A.070 specifically identifies convictions or qualifying
pleas involving forgery, embezzlement, obtaining money under
false pretenses, larceny, extortion, and conspiracy to defraud as
