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NEW YORK STATE GENERAL ADJUSTER 17-70
EXAMINATION – EXAM PREP GUIDE | LATEST
UPDATE 2026/2027 |
VERIFIED PRACTICE QUESTIONS AND
COMPLETE STUDY GUIDE.
Table of Contents
Insurance Regulation
Insurance Basics
Adjusting Losses
Property Insurance
Casualty Insurance
Auto Insurance
New York-Specific Laws and Regulations
,2|Page
Question 1: Under New York Insurance Law § 2108, which of the following is a
mandatory requirement for an individual applicant for an independent adjuster's
license?
A) Completion of a 40-hour pre-licensing course
B) Possession of a minimum of one year's experience in the insurance business
or successful completion of forty hours of formal training approved by the
superintendent
C) A bachelor's degree in insurance or a related field
D) Sponsorship by a licensed New York insurer
Correct Answer: B
Under NY Insurance Law § 2108, an individual applicant must either possess a
minimum of one year's experience in the insurance business (with involvement
in sales, underwriting, claims, or other sufficient experience) or have
successfully completed forty hours of formal training in a course, program of
instruction, or seminars approved by the superintendent. Option A applies to
public adjusters, not independent adjusters. Options C and D are not statutory
requirements.
Question 2: What is the licensing period for an independent adjuster license in
New York?
A) One year
B) Two years, from January 1 of an odd-numbered year to December 31 of an
even-numbered year
C) Three years
D) Four years
Correct Answer: B
New York independent adjuster licenses are issued for a two-year period,
running from January 1 of an odd-numbered year to December 31 of an even-
numbered year. This is a key administrative detail tested on the 17-70 exam.
Question 3: What is the bond amount required for an independent adjuster
applicant under § 2108(l)?
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A) $500
B) $1,000
C) $5,000
D) $10,000
Correct Answer: B
The applicant must submit a bond in the amount of $1,000 to cover the licensing
period. This bond requirement protects the public and is a specific statutory
requirement under NY Insurance Law § 2108(l).
Question 4: How many Certificates of Character must an independent adjuster
applicant submit?
A) Two
B) Three
C) Five
D) Ten
Correct Answer: C
The applicant must submit five (5) Certificates of Character attesting to the
ability, experience, and character of each individual or sub-licensee applicant.
This is a specific requirement under the DFS licensing application instructions.
Question 5: Which of the following is required for an independent adjuster
applicant regarding fingerprinting?
A) Fingerprinting is optional
B) Only applicants with a New York address must be electronically
fingerprinted by IdentoGO
C) Only out-of-state applicants must be fingerprinted
D) Fingerprinting is required only for public adjusters
Correct Answer: B
Each individual and sub-licensee applicant with an address in New York State
MUST be electronically fingerprinted by IdentoGO. Fingerprint cards are NOT
accepted from applicants with a New York State address. Out-of-state applicants
who cannot go to an IdentoGO site must pre-enroll and submit a fingerprint
card.
Question 6: What is the application fee for an independent adjuster license?
, 4|Page
A) $50
B) $75
C) $100
D) $150
Correct Answer: C
The application fee for an independent adjuster license is $100. A half fee of
$50 is charged when a license is issued for a licensing period of one year or
less.
Question 7: Under Regulation 64 (11 NYCRR 216), within how many business
days must an insurer acknowledge receipt of a claim?
A) 5 business days
B) 10 business days
C) 15 business days
D) 30 business days
Correct Answer: C
Within 15 business days of notification of a claim, the insurer must acknowledge
receipt of the notice. The acknowledgment may be in writing; if made by other
means, an appropriate notation must be made in the claim file. This is one of the
most heavily tested regulatory timelines on the 17-70 exam.
Question 8: Under Regulation 64, within how many business days must an
insurer commence an investigation of a claim?
A) 5 business days
B) 10 business days
C) 15 business days
D) 30 business days
Correct Answer: C
Every insurer shall establish procedures to commence an investigation of any
claim filed by a claimant within 15 business days of receiving notice of the
claim. This timeline is critical for adjusters to understand and apply.
Question 9: Under Regulation 64, within how many business days must an
insurer provide a substantive response to a Department of Financial Services
inquiry about a claim?
NEW YORK STATE GENERAL ADJUSTER 17-70
EXAMINATION – EXAM PREP GUIDE | LATEST
UPDATE 2026/2027 |
VERIFIED PRACTICE QUESTIONS AND
COMPLETE STUDY GUIDE.
Table of Contents
Insurance Regulation
Insurance Basics
Adjusting Losses
Property Insurance
Casualty Insurance
Auto Insurance
New York-Specific Laws and Regulations
,2|Page
Question 1: Under New York Insurance Law § 2108, which of the following is a
mandatory requirement for an individual applicant for an independent adjuster's
license?
A) Completion of a 40-hour pre-licensing course
B) Possession of a minimum of one year's experience in the insurance business
or successful completion of forty hours of formal training approved by the
superintendent
C) A bachelor's degree in insurance or a related field
D) Sponsorship by a licensed New York insurer
Correct Answer: B
Under NY Insurance Law § 2108, an individual applicant must either possess a
minimum of one year's experience in the insurance business (with involvement
in sales, underwriting, claims, or other sufficient experience) or have
successfully completed forty hours of formal training in a course, program of
instruction, or seminars approved by the superintendent. Option A applies to
public adjusters, not independent adjusters. Options C and D are not statutory
requirements.
Question 2: What is the licensing period for an independent adjuster license in
New York?
A) One year
B) Two years, from January 1 of an odd-numbered year to December 31 of an
even-numbered year
C) Three years
D) Four years
Correct Answer: B
New York independent adjuster licenses are issued for a two-year period,
running from January 1 of an odd-numbered year to December 31 of an even-
numbered year. This is a key administrative detail tested on the 17-70 exam.
Question 3: What is the bond amount required for an independent adjuster
applicant under § 2108(l)?
,3|Page
A) $500
B) $1,000
C) $5,000
D) $10,000
Correct Answer: B
The applicant must submit a bond in the amount of $1,000 to cover the licensing
period. This bond requirement protects the public and is a specific statutory
requirement under NY Insurance Law § 2108(l).
Question 4: How many Certificates of Character must an independent adjuster
applicant submit?
A) Two
B) Three
C) Five
D) Ten
Correct Answer: C
The applicant must submit five (5) Certificates of Character attesting to the
ability, experience, and character of each individual or sub-licensee applicant.
This is a specific requirement under the DFS licensing application instructions.
Question 5: Which of the following is required for an independent adjuster
applicant regarding fingerprinting?
A) Fingerprinting is optional
B) Only applicants with a New York address must be electronically
fingerprinted by IdentoGO
C) Only out-of-state applicants must be fingerprinted
D) Fingerprinting is required only for public adjusters
Correct Answer: B
Each individual and sub-licensee applicant with an address in New York State
MUST be electronically fingerprinted by IdentoGO. Fingerprint cards are NOT
accepted from applicants with a New York State address. Out-of-state applicants
who cannot go to an IdentoGO site must pre-enroll and submit a fingerprint
card.
Question 6: What is the application fee for an independent adjuster license?
, 4|Page
A) $50
B) $75
C) $100
D) $150
Correct Answer: C
The application fee for an independent adjuster license is $100. A half fee of
$50 is charged when a license is issued for a licensing period of one year or
less.
Question 7: Under Regulation 64 (11 NYCRR 216), within how many business
days must an insurer acknowledge receipt of a claim?
A) 5 business days
B) 10 business days
C) 15 business days
D) 30 business days
Correct Answer: C
Within 15 business days of notification of a claim, the insurer must acknowledge
receipt of the notice. The acknowledgment may be in writing; if made by other
means, an appropriate notation must be made in the claim file. This is one of the
most heavily tested regulatory timelines on the 17-70 exam.
Question 8: Under Regulation 64, within how many business days must an
insurer commence an investigation of a claim?
A) 5 business days
B) 10 business days
C) 15 business days
D) 30 business days
Correct Answer: C
Every insurer shall establish procedures to commence an investigation of any
claim filed by a claimant within 15 business days of receiving notice of the
claim. This timeline is critical for adjusters to understand and apply.
Question 9: Under Regulation 64, within how many business days must an
insurer provide a substantive response to a Department of Financial Services
inquiry about a claim?
