➢ 17-70 New York Independent General Adjuster
License Exam Updated 2026 | 275+ Practice
Questions & Verified Answers | Complete
Insurance Claims Study Guide, NY Adjuster
Exam Prep, Property & Casualty Coverage,
Policy Interpretation, Claims Investigation,
Loss Evaluation, Liability Analysis, Settlement
Procedures, Ethics, New York Insurance Law,
Detailed Rationales
Question 1: Under Section 2108 of the New York Insurance Law, which of the
following is a mandatory qualification for an individual applying for an
independent adjuster's license?
A. Must be a resident of New York State
B. Must be at least 21 years of age
C. Must have completed a 40-hour pre-licensing course
D. Must be at least 18 years of age
CORRECT ANSWER: D. Must be at least 18 years of age
Rationale: Section 2108(c)(3) of the New York Insurance Law explicitly states that every
individual applicant for a license under this section and every proposed sub-licensee
shall be eighteen years of age or over at the time of the issuance of such license . New
York does not require pre-licensing education for independent adjusters, and residency
is not a requirement for the license .
Question 2: Which type of adjuster is authorized to act on behalf of an insurer
in New York?
A. Public Adjuster
B. Independent Adjuster
C. Staff Adjuster
D. Consultant Adjuster
CORRECT ANSWER: B. Independent Adjuster
Rationale: New York Insurance Law Section 2108(a)(3) states that no adjuster shall act
on behalf of an insurer unless licensed as an independent adjuster . A public adjuster is
specifically defined as one who acts on behalf of an insured in negotiating a claim .
Question 3: According to the NYDFS, which of the following documents is no
longer required for an independent adjuster license application?
A. Fingerprint submission
B. License application fee
C. Certificates of Character
D. Proof of passing the licensing exam
,CORRECT ANSWER: C. Certificates of Character
Rationale: The NYDFS website for adjuster licensing clearly indicates that Certificates
of Character are no longer required for Independent Adjuster applicants . They are still a
requirement for Public Adjuster applicants. Fingerprints, the application fee, and exam
results remain required for the independent adjuster license.
Question 4: An independent adjuster license in New York expires on which
date?
A. December 31 of each odd-numbered year
B. December 31 of each even-numbered year
C. The adjuster's birthday each year
D. Two years from the date of issuance
CORRECT ANSWER: B. December 31 of each even-numbered year
Rationale: All adjuster licenses in New York, including the 17-70 Independent General
Adjuster license, expire on December 31st of each even-numbered year . After the initial
licensing period, all licenses are issued effective January 1st of odd years to December
31st of even years .
Question 5: If a New York independent adjuster license is issued for a period of
more than one year, what is the non-refundable licensing fee?
A. $33
B. $50
C. $100
D. $200
CORRECT ANSWER: C. $100
Rationale: According to the New York Department of Financial Services, a non-
refundable fee of $100 is charged when a license is issued for a licensing period of more
than one year . A $50 fee is charged for a period of one year or less.
Question 6: What is the minimum passing score required for the New York
Series 17-70 Independent General Adjuster examination?
A. 60%
B. 70%
C. 75%
D. 80%
CORRECT ANSWER: B. 70%
Rationale: The New York Series 17-70 Independent General Adjuster exam requires a
minimum score of 70% to pass . Candidates who score below this threshold must retake
the exam and pay the associated fees again.
,Question 7: A person is found guilty of violating USC Section 1033 regarding
Federal Fraud and False Statements. What civil penalty can the Attorney
General assess?
A. The amount the person received or offered for the prohibited conduct
B. $5,000
C. The amount the person received or offered or $5,000, whichever is greater
D. The amount the person received or offered or $5,000, whichever is less
CORRECT ANSWER: C. The amount the person received or offered or $5,000,
whichever is greater
Rationale: In cases of violation of USC Section 1033 regarding Federal Fraud and False
Statements, the Attorney General is authorized to assess a civil penalty in the amount
the person received or offered for the prohibited conduct or $5,000, whichever is
greater .
Question 8: What is the maximum amount that a basic economic loss benefit
will pay for substitute services for an injured party who is not gainfully
employed?
A. $25 per week for one year
B. $25 per day for one year
C. $50 per day for one year
D. $25 per day for six months
CORRECT ANSWER: B. $25 per day for one year
Rationale: Basic economic loss benefits will provide up to $25 per day for substitute
services for a maximum of one year if the injured party is not gainfully employed .
Question 9: Under a Businessowners Policy (BOP) with a $500,000 occurrence
limit for liability and a $1,000,000 aggregate limit, a $600,000 claim and a
$400,000 claim are filed in two separate incidents. How much coverage
remains for any future claims submitted during the policy term?
A. $0
B. $100,000
C. $500,000
D. $1,000,000
CORRECT ANSWER: B. $100,000
Rationale: The policy pays $500,000 for the first loss, which is the maximum per
occurrence, leaving $500,000 in the aggregate. The second loss of $400,000 is within the
occurrence limit, so it is fully payable, leaving only $100,000 for any future claims during
the policy term .
, Question 10: A tenant leases space in a building, and the tenant's space is
damaged by fire. Under a commercial property policy, when will the policy pay
for the damage?
A. When the tenant submits a proof of loss
B. When the landlord submits a proof of loss
C. When the owner of the building submits proof of loss for the damage
D. When the property is repaired
CORRECT ANSWER: C. When the owner of the building submits proof of loss
for the damage
Rationale: Since the building is owned by the landlord, the owner of the building would
be the one to submit a proof of loss for the damage to the building itself. The tenant's
policy would typically cover their own contents and business interruption, not the
structural damage to the building .
Question 11: Which type of Crop Insurance Policy covers the entire farm
instead of an individual crop?
A. Crop Revenue Coverage (CRC)
B. Adjusted Gross Revenue (AGR)
C. Multi-Peril Crop Insurance (MPCI)
D. Revenue Protection (RP)
CORRECT ANSWER: B. Adjusted Gross Revenue (AGR)
Rationale: The Adjusted Gross Revenue (AGR) policy is a type of crop insurance that
covers the entire farm's revenue rather than a specific, individual crop . This provides
broader protection for the farm's overall income.
Question 12: When is a passenger first covered under an aircraft policy?
A. When the passenger boards the aircraft
B. When the passenger enters the aircraft
C. When the aircraft begins to taxi
D. When the aircraft takes off
CORRECT ANSWER: B. When the passenger enters the aircraft
Rationale: Under an aircraft insurance policy, the coverage for a passenger typically
begins when the individual enters the aircraft and continues until they leave the aircraft .
Question 13: According to New York law, any insurance adjuster whose license
has been revoked for cause will not be entitled to apply for any other insurance
license in New York until at least:
A. One year
B. Two years
C. Three years
D. Five years
License Exam Updated 2026 | 275+ Practice
Questions & Verified Answers | Complete
Insurance Claims Study Guide, NY Adjuster
Exam Prep, Property & Casualty Coverage,
Policy Interpretation, Claims Investigation,
Loss Evaluation, Liability Analysis, Settlement
Procedures, Ethics, New York Insurance Law,
Detailed Rationales
Question 1: Under Section 2108 of the New York Insurance Law, which of the
following is a mandatory qualification for an individual applying for an
independent adjuster's license?
A. Must be a resident of New York State
B. Must be at least 21 years of age
C. Must have completed a 40-hour pre-licensing course
D. Must be at least 18 years of age
CORRECT ANSWER: D. Must be at least 18 years of age
Rationale: Section 2108(c)(3) of the New York Insurance Law explicitly states that every
individual applicant for a license under this section and every proposed sub-licensee
shall be eighteen years of age or over at the time of the issuance of such license . New
York does not require pre-licensing education for independent adjusters, and residency
is not a requirement for the license .
Question 2: Which type of adjuster is authorized to act on behalf of an insurer
in New York?
A. Public Adjuster
B. Independent Adjuster
C. Staff Adjuster
D. Consultant Adjuster
CORRECT ANSWER: B. Independent Adjuster
Rationale: New York Insurance Law Section 2108(a)(3) states that no adjuster shall act
on behalf of an insurer unless licensed as an independent adjuster . A public adjuster is
specifically defined as one who acts on behalf of an insured in negotiating a claim .
Question 3: According to the NYDFS, which of the following documents is no
longer required for an independent adjuster license application?
A. Fingerprint submission
B. License application fee
C. Certificates of Character
D. Proof of passing the licensing exam
,CORRECT ANSWER: C. Certificates of Character
Rationale: The NYDFS website for adjuster licensing clearly indicates that Certificates
of Character are no longer required for Independent Adjuster applicants . They are still a
requirement for Public Adjuster applicants. Fingerprints, the application fee, and exam
results remain required for the independent adjuster license.
Question 4: An independent adjuster license in New York expires on which
date?
A. December 31 of each odd-numbered year
B. December 31 of each even-numbered year
C. The adjuster's birthday each year
D. Two years from the date of issuance
CORRECT ANSWER: B. December 31 of each even-numbered year
Rationale: All adjuster licenses in New York, including the 17-70 Independent General
Adjuster license, expire on December 31st of each even-numbered year . After the initial
licensing period, all licenses are issued effective January 1st of odd years to December
31st of even years .
Question 5: If a New York independent adjuster license is issued for a period of
more than one year, what is the non-refundable licensing fee?
A. $33
B. $50
C. $100
D. $200
CORRECT ANSWER: C. $100
Rationale: According to the New York Department of Financial Services, a non-
refundable fee of $100 is charged when a license is issued for a licensing period of more
than one year . A $50 fee is charged for a period of one year or less.
Question 6: What is the minimum passing score required for the New York
Series 17-70 Independent General Adjuster examination?
A. 60%
B. 70%
C. 75%
D. 80%
CORRECT ANSWER: B. 70%
Rationale: The New York Series 17-70 Independent General Adjuster exam requires a
minimum score of 70% to pass . Candidates who score below this threshold must retake
the exam and pay the associated fees again.
,Question 7: A person is found guilty of violating USC Section 1033 regarding
Federal Fraud and False Statements. What civil penalty can the Attorney
General assess?
A. The amount the person received or offered for the prohibited conduct
B. $5,000
C. The amount the person received or offered or $5,000, whichever is greater
D. The amount the person received or offered or $5,000, whichever is less
CORRECT ANSWER: C. The amount the person received or offered or $5,000,
whichever is greater
Rationale: In cases of violation of USC Section 1033 regarding Federal Fraud and False
Statements, the Attorney General is authorized to assess a civil penalty in the amount
the person received or offered for the prohibited conduct or $5,000, whichever is
greater .
Question 8: What is the maximum amount that a basic economic loss benefit
will pay for substitute services for an injured party who is not gainfully
employed?
A. $25 per week for one year
B. $25 per day for one year
C. $50 per day for one year
D. $25 per day for six months
CORRECT ANSWER: B. $25 per day for one year
Rationale: Basic economic loss benefits will provide up to $25 per day for substitute
services for a maximum of one year if the injured party is not gainfully employed .
Question 9: Under a Businessowners Policy (BOP) with a $500,000 occurrence
limit for liability and a $1,000,000 aggregate limit, a $600,000 claim and a
$400,000 claim are filed in two separate incidents. How much coverage
remains for any future claims submitted during the policy term?
A. $0
B. $100,000
C. $500,000
D. $1,000,000
CORRECT ANSWER: B. $100,000
Rationale: The policy pays $500,000 for the first loss, which is the maximum per
occurrence, leaving $500,000 in the aggregate. The second loss of $400,000 is within the
occurrence limit, so it is fully payable, leaving only $100,000 for any future claims during
the policy term .
, Question 10: A tenant leases space in a building, and the tenant's space is
damaged by fire. Under a commercial property policy, when will the policy pay
for the damage?
A. When the tenant submits a proof of loss
B. When the landlord submits a proof of loss
C. When the owner of the building submits proof of loss for the damage
D. When the property is repaired
CORRECT ANSWER: C. When the owner of the building submits proof of loss
for the damage
Rationale: Since the building is owned by the landlord, the owner of the building would
be the one to submit a proof of loss for the damage to the building itself. The tenant's
policy would typically cover their own contents and business interruption, not the
structural damage to the building .
Question 11: Which type of Crop Insurance Policy covers the entire farm
instead of an individual crop?
A. Crop Revenue Coverage (CRC)
B. Adjusted Gross Revenue (AGR)
C. Multi-Peril Crop Insurance (MPCI)
D. Revenue Protection (RP)
CORRECT ANSWER: B. Adjusted Gross Revenue (AGR)
Rationale: The Adjusted Gross Revenue (AGR) policy is a type of crop insurance that
covers the entire farm's revenue rather than a specific, individual crop . This provides
broader protection for the farm's overall income.
Question 12: When is a passenger first covered under an aircraft policy?
A. When the passenger boards the aircraft
B. When the passenger enters the aircraft
C. When the aircraft begins to taxi
D. When the aircraft takes off
CORRECT ANSWER: B. When the passenger enters the aircraft
Rationale: Under an aircraft insurance policy, the coverage for a passenger typically
begins when the individual enters the aircraft and continues until they leave the aircraft .
Question 13: According to New York law, any insurance adjuster whose license
has been revoked for cause will not be entitled to apply for any other insurance
license in New York until at least:
A. One year
B. Two years
C. Three years
D. Five years
