WV Adjuster License - Part I: General
Insurance Laws and Regulations Exam
2025 Questions and Answers
Adjuster - --Answer --Any individual who, for compensation, fee or
commission, investigates and settles claims arising under property, casualty or
surety insurance contracts, on behalf of either the insurer or insured. The term
"adjuster" includes public adjusters, company adjusters and crop adjusters unless
specified otherwise.
Company adjuster - --Answer --Means an adjuster representing the interests
of the insurer, including an independent contractor and a salaried employee of the
insurer.
Crop adjuster - --Answer --Means a person who adjusts crop insurance
claims under the federal crop insurance program administered by the United States
Department of Agriculture.
Emergency adjuster - --Answer --Means a person who is authorized by the
Commissioner to perform adjusting activities in West Virginia.
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 1
,Home state - --Answer --Means the District of Columbia or any state or
territory of the United States in which an adjuster maintains his or her principal
place of residence or business and in which he or she is licensed to act as a resident
adjuster. If a persons principal place of residence or business does not license
adjusters for the type of adjuster license sought in this state, he or she may
designate as his or her home state any state in which he or she has such a license.
Insurance emergency - --Answer --Means a temporary situation declared by
the Commissioner when he or she finds that there is an inadequate number of
licensed adjusters to meet the demands of the public.
Public adjuster - --Answer --Means an independent contractor representing
solely financial interests of the insured named in the policy.
Application for License - --Answer --Application for an adjuster license
must be made to the Commissioner on forms prescribed by him or her and must
contain information and be accompanied by supporting documents as the
Commissioner may require. The fee for an adjuster license is $25.00 and must be
submitted with the application.
Standards of conduct - --Answer --An adjuster may not give legal advice and
may not deal directly with any policyholder or claimant who is represented by legal
counsel without the consent of the legal counsel involved.
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 2
,An adjuster must identify himself or herself as an independent contractor and, if
applicable, identify his or her employer when dealing with any policyholder or
claimant.
An adjuster may not have any financial interest in any adjustment or acquire for
himself or herself any interest or title in salvage, without first receiving written
authority from the principal.
Conflict prohibited - --Answer --The Commissioner will license an
individual as a company adjuster, public adjuster, or crop adjuster. An individual
may be licensed concurrently under separate licenses but may not act as an adjuster
representing the interests of the insured and the insurer with respect to the same
claim.
License exemption - --Answer --No person may in WV act as or hold
himself out to be an adjuster unless then licensed to do so.
As used in this section, the term "person" does not include those persons located
in an office of an insurer outside the state of WV who adjuster claims solely by
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 3
, telephone, fax, US mail and electronic mail and who do not physically enter the
state of WV in the course of adjusting claims.
The definition of adjuster does not include, and an adjuster license will not be
required, of the following:
-An attorney at law admitted to practice in this state, when acting in their
professional capacity as an attorney.
-A person employed solely to obtain facts surrounding a claim or the furnish
technical assistance to a licensed company adjuster.
-An individual who is employed to investigate suspected fraudulent insurance
claims but who does not adjust losses or determine claim payments.
-A person who solely performs executive, administrative, managerial, or clerical
duties or any combination thereof and who does not investigate, negotiate, or
settle claims with policyholders, claimants, or their legal representative.
-A person who adjusts life, accident and sickness, annuity or disability insurance
claims.
-A person who adjusts claims for licensed farmers' mutual fire insurance
companies.
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 4
Insurance Laws and Regulations Exam
2025 Questions and Answers
Adjuster - --Answer --Any individual who, for compensation, fee or
commission, investigates and settles claims arising under property, casualty or
surety insurance contracts, on behalf of either the insurer or insured. The term
"adjuster" includes public adjusters, company adjusters and crop adjusters unless
specified otherwise.
Company adjuster - --Answer --Means an adjuster representing the interests
of the insurer, including an independent contractor and a salaried employee of the
insurer.
Crop adjuster - --Answer --Means a person who adjusts crop insurance
claims under the federal crop insurance program administered by the United States
Department of Agriculture.
Emergency adjuster - --Answer --Means a person who is authorized by the
Commissioner to perform adjusting activities in West Virginia.
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 1
,Home state - --Answer --Means the District of Columbia or any state or
territory of the United States in which an adjuster maintains his or her principal
place of residence or business and in which he or she is licensed to act as a resident
adjuster. If a persons principal place of residence or business does not license
adjusters for the type of adjuster license sought in this state, he or she may
designate as his or her home state any state in which he or she has such a license.
Insurance emergency - --Answer --Means a temporary situation declared by
the Commissioner when he or she finds that there is an inadequate number of
licensed adjusters to meet the demands of the public.
Public adjuster - --Answer --Means an independent contractor representing
solely financial interests of the insured named in the policy.
Application for License - --Answer --Application for an adjuster license
must be made to the Commissioner on forms prescribed by him or her and must
contain information and be accompanied by supporting documents as the
Commissioner may require. The fee for an adjuster license is $25.00 and must be
submitted with the application.
Standards of conduct - --Answer --An adjuster may not give legal advice and
may not deal directly with any policyholder or claimant who is represented by legal
counsel without the consent of the legal counsel involved.
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 2
,An adjuster must identify himself or herself as an independent contractor and, if
applicable, identify his or her employer when dealing with any policyholder or
claimant.
An adjuster may not have any financial interest in any adjustment or acquire for
himself or herself any interest or title in salvage, without first receiving written
authority from the principal.
Conflict prohibited - --Answer --The Commissioner will license an
individual as a company adjuster, public adjuster, or crop adjuster. An individual
may be licensed concurrently under separate licenses but may not act as an adjuster
representing the interests of the insured and the insurer with respect to the same
claim.
License exemption - --Answer --No person may in WV act as or hold
himself out to be an adjuster unless then licensed to do so.
As used in this section, the term "person" does not include those persons located
in an office of an insurer outside the state of WV who adjuster claims solely by
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 3
, telephone, fax, US mail and electronic mail and who do not physically enter the
state of WV in the course of adjusting claims.
The definition of adjuster does not include, and an adjuster license will not be
required, of the following:
-An attorney at law admitted to practice in this state, when acting in their
professional capacity as an attorney.
-A person employed solely to obtain facts surrounding a claim or the furnish
technical assistance to a licensed company adjuster.
-An individual who is employed to investigate suspected fraudulent insurance
claims but who does not adjust losses or determine claim payments.
-A person who solely performs executive, administrative, managerial, or clerical
duties or any combination thereof and who does not investigate, negotiate, or
settle claims with policyholders, claimants, or their legal representative.
-A person who adjusts life, accident and sickness, annuity or disability insurance
claims.
-A person who adjusts claims for licensed farmers' mutual fire insurance
companies.
....COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 4
