Claims Adjuster CERTIFICATION PAPER
2026 FULL SOLUTION GRADED A+
● What is a staff adjuster? Answer: A salaried employee of an insurer.
● What distinguishes an independent adjuster? Answer: They are self-
employed and contract with insurers or bureaus.
● Who hires a public adjuster? Answer: The insured, usually paid on a
commission basis.
● What is the purpose of an emergency adjuster? Answer: To
temporarily service claims arising from catastrophes.
● What is a fiduciary agent in the context of insurance adjusting?
Answer: An adjuster who acts on behalf of the principal and protects
their interests.
● What does the adjuster need to do when exercising the power to bind?
Answer: They must ensure accurate written and verbal communications
regarding the claim.
● What type of report provides initial investigation results? Answer:
Preliminary (Initial) Report.
2026 FULL SOLUTION GRADED A+
● What is a staff adjuster? Answer: A salaried employee of an insurer.
● What distinguishes an independent adjuster? Answer: They are self-
employed and contract with insurers or bureaus.
● Who hires a public adjuster? Answer: The insured, usually paid on a
commission basis.
● What is the purpose of an emergency adjuster? Answer: To
temporarily service claims arising from catastrophes.
● What is a fiduciary agent in the context of insurance adjusting?
Answer: An adjuster who acts on behalf of the principal and protects
their interests.
● What does the adjuster need to do when exercising the power to bind?
Answer: They must ensure accurate written and verbal communications
regarding the claim.
● What type of report provides initial investigation results? Answer:
Preliminary (Initial) Report.
