Texas All Lines Adjuster Laws &
Regulation EXAM
All of the following are exempted from the requirement of an adjuster's license examination
except: A. Those persons holding CPCU designation; B. those persons adjusting workers
compensation claims; C. Those persons who have received the Associate in Claims (AIC)
designation; D. Those persons who have a certificate of completion showing that within the past
12 months the applicant has completed a certified adjuster prelicensing education program and
passed the state examination.
B. A person adjusting workers compensation claims is not exempt.
All of the following are qualifications of applicants for an adjuster license in Texas except: A. is at
least 25 yrs. of age; B. resides in this state or a state that permits a resident of this state to act as
an adjuster in that state; C. is trustworthy; D. has passed the required examination or presents
evidence that the applicant has been exempted from the examination.
A. Applicants must be at least 18 yrs. of age.
An emergency adjuster license is effective for a period not to exceed: A. 180 days B. 120 days; C.
90 days; D. 60 days.
C. An emergency license is effective for a period not to exceed 90 days. The commissioner may
extend the term of the emergency license for an additional period of 90 days.
,A licensed adjuster must notify the commissioner if the adjuster changes the location of the
adjuster's place of business: A. Within 10 days; B. Within 20 days; C. Within 30 days; D.
Notification must be made promptly
D. A licensed adjuster shall promptly notify the commissioner if the adjuster changes the
location of the adjuster's place of business.
All licensees must complete ________ hours of continuing education within each reporting
period. A. 15; B. 20; C. 24; D. 30
D. All licensees must complete 30 hours of continuing education within each reporting period.
However, limited lines licensees, those selling life insurance not exceeding $15,000 and county
mutual agents are required to comlete 10 hours of continuing education during each reporting
period.
Which one of the following is not an example of an unfair claim settlement practice? A.
Knowingly misrepresenting pertinent facts to claimants; B. Failing to acknowledge
communication within a reasonably prompt period; C. Failing to examine a claimant under oath;
D. Not attempting in good faith to promptly settle a claim when liability is clear.
C. The right to examine policyholders under oath, in the case of questionable claims or potential
fraud, is a right of an insurer during a claim investigation and is part of the contractural
agreement between the insurer and the insured. Failing to do so does not constitute a violation
of the state's unfair claims settlement practices.
, A contract that provides insurance coverage for up to 30 days, pending the issuance of the
permanent policy, is called a: A. binder; B. endorsement; C. lender; D. remedy
A. A binder is a contract that provides temporary insurance coverage for up to 30 days, pending
the issuance of the permanent policy. Lenders must accept binders issued by properly
appointed and licensed agents.
What happens when a married couple who jointly owns residential property divorces during the
term of their homeowners insurance policy? A. Both insureds must reapply for separate
insurance on the property; B. The owner's must decide who will become the named insured and
transfer ownership of the insurance policy to that person; C. The insurance remains in effect,
and the interests of both owners are covered as long as the policy exists or as long as the policy
is not cancelled; D. The insurer has the option to continue the policy that is in force or require
the insureds to apply for new and separate policies.
C. A homeowners or fire insurance policy issued in Texas must contain a provision that the
policy, if issued to cover community property, will remain in full force and effect as to the
interest of each spouse irrespective of divorce or change of ownership between the spouses.
The spouses or former spouses may apply for separate insurance, but the law does not require
them to do so.
All of the following statements regarding arbitration agreements are correct except: A. the
agreement must be in writing to be enforced; B. one party may revoke the agreement by
providing the fair value for the disputed loss; C. arbitration agreement clauses must be included
in all property and casualty policies in Texas; d. the agreement must exist before the dispute
arises for arbitration to take place.
Regulation EXAM
All of the following are exempted from the requirement of an adjuster's license examination
except: A. Those persons holding CPCU designation; B. those persons adjusting workers
compensation claims; C. Those persons who have received the Associate in Claims (AIC)
designation; D. Those persons who have a certificate of completion showing that within the past
12 months the applicant has completed a certified adjuster prelicensing education program and
passed the state examination.
B. A person adjusting workers compensation claims is not exempt.
All of the following are qualifications of applicants for an adjuster license in Texas except: A. is at
least 25 yrs. of age; B. resides in this state or a state that permits a resident of this state to act as
an adjuster in that state; C. is trustworthy; D. has passed the required examination or presents
evidence that the applicant has been exempted from the examination.
A. Applicants must be at least 18 yrs. of age.
An emergency adjuster license is effective for a period not to exceed: A. 180 days B. 120 days; C.
90 days; D. 60 days.
C. An emergency license is effective for a period not to exceed 90 days. The commissioner may
extend the term of the emergency license for an additional period of 90 days.
,A licensed adjuster must notify the commissioner if the adjuster changes the location of the
adjuster's place of business: A. Within 10 days; B. Within 20 days; C. Within 30 days; D.
Notification must be made promptly
D. A licensed adjuster shall promptly notify the commissioner if the adjuster changes the
location of the adjuster's place of business.
All licensees must complete ________ hours of continuing education within each reporting
period. A. 15; B. 20; C. 24; D. 30
D. All licensees must complete 30 hours of continuing education within each reporting period.
However, limited lines licensees, those selling life insurance not exceeding $15,000 and county
mutual agents are required to comlete 10 hours of continuing education during each reporting
period.
Which one of the following is not an example of an unfair claim settlement practice? A.
Knowingly misrepresenting pertinent facts to claimants; B. Failing to acknowledge
communication within a reasonably prompt period; C. Failing to examine a claimant under oath;
D. Not attempting in good faith to promptly settle a claim when liability is clear.
C. The right to examine policyholders under oath, in the case of questionable claims or potential
fraud, is a right of an insurer during a claim investigation and is part of the contractural
agreement between the insurer and the insured. Failing to do so does not constitute a violation
of the state's unfair claims settlement practices.
, A contract that provides insurance coverage for up to 30 days, pending the issuance of the
permanent policy, is called a: A. binder; B. endorsement; C. lender; D. remedy
A. A binder is a contract that provides temporary insurance coverage for up to 30 days, pending
the issuance of the permanent policy. Lenders must accept binders issued by properly
appointed and licensed agents.
What happens when a married couple who jointly owns residential property divorces during the
term of their homeowners insurance policy? A. Both insureds must reapply for separate
insurance on the property; B. The owner's must decide who will become the named insured and
transfer ownership of the insurance policy to that person; C. The insurance remains in effect,
and the interests of both owners are covered as long as the policy exists or as long as the policy
is not cancelled; D. The insurer has the option to continue the policy that is in force or require
the insureds to apply for new and separate policies.
C. A homeowners or fire insurance policy issued in Texas must contain a provision that the
policy, if issued to cover community property, will remain in full force and effect as to the
interest of each spouse irrespective of divorce or change of ownership between the spouses.
The spouses or former spouses may apply for separate insurance, but the law does not require
them to do so.
All of the following statements regarding arbitration agreements are correct except: A. the
agreement must be in writing to be enforced; B. one party may revoke the agreement by
providing the fair value for the disputed loss; C. arbitration agreement clauses must be included
in all property and casualty policies in Texas; d. the agreement must exist before the dispute
arises for arbitration to take place.
