California Public Adjuster Licensing Practice
Exam Questions And Correct Answers (Verified
Answers) Plus Rationales 2026 Q&A | Instant
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Topic 1: Licensing Requirements and Qualifications
Question 1: Which of the following activities requires a public adjuster license
under the California Public Adjuster Act?
A) Providing advice to an insurer on claim handling
B) Representing an insured in negotiating a claim settlement
C) Acting as a loss adjuster for the insurance company
D) Performing property inspections for a real estate broker
Explanation: The California Public Adjusters Act defines a public adjuster as any
person who represents an insured in adjusting, negotiating, or settling a claim.
Representing the insured's interests triggers the licensure requirement .
Question 2: What is the minimum age requirement for a California public
adjuster license?
A) 18 years
B) 21 years
C) 25 years
D) No minimum age requirement
,Explanation: California Insurance Code Section 15011(a) requires applicants to be
at least 18 years of age for licensure .
Question 3: Under California Insurance Code Section 15011, what is the
experience requirement for a public adjuster license?
A) One year of claims handling experience
B) Two years of experience in handling loss claims under insurance contracts
C) Three years of insurance sales experience
D) No experience requirement
Explanation: Section 15011(c) requires applicants to have at least two years'
experience in handling loss claims under insurance contracts, as determined by
regulations adopted by the commissioner .
Question 4: How can an apprentice public adjuster license help meet the
experience requirement?
A) One month as an apprentice equals one year of experience
B) *12 full months as an apprentice meets the two-year experience requirement*
C) Apprentice experience does not count toward the requirement
D) 6 months as an apprentice meets the entire requirement
*Explanation: Section 15011(c) states that a person licensed as an apprentice
public adjuster for 12 full months is considered to have met the two-year
experience requirement .*
Question 5: What is the surety bond amount required for a California public
adjuster license?
,A) $10,000
B) $20,000
C) $25,000
D) $50,000
Explanation: California Insurance Code Section 15011(f) requires public adjusters to
post a surety bond executed by a surety company authorized to do business in
California in the sum of $20,000 .
Question 6: Does a non-resident applicant for a California public adjuster license
need to take the qualifying examination?
A) Yes, all applicants must take the exam
B) No, California has reciprocity with other states
C) Only if they have no experience
D) Only if their home state does not have an exam
Explanation: California is reciprocal with other states for non-resident licensing of
public insurance adjusters. Non-resident applicants are not required to take the
qualifying examination .
Question 7: Which regulatory authority oversees the licensing and discipline of
public insurance adjusters in California?
A) California Department of Consumer Affairs
B) California Department of Insurance (CDI)
C) California State Bar
D) California Insurance Fraud Bureau
Explanation: The CDI is responsible for licensing, regulating, and disciplining public
adjusters in California .
, Question 8: How often must licensed public adjusters in California renew their
license?
A) Every year
B) Every two years
C) Every three years
D) Every five years
Explanation: California public adjusters are required to renew their license every
two years, which includes completing continuing education requirements .
Question 9: What is required of organization applicants for a public adjuster
license?
A) All employees must be licensed as public adjusters
B) Designate a licensed individual public adjuster to be responsible for compliance
C) Maintain a physical office in every California county
D) Provide a $100,000 bond
Explanation: Section 15011(g) requires an organization applicant to designate a
licensed individual public insurance adjuster to be responsible for the organization's
compliance with insurance laws, rules, and regulations of California .
Question 10: What is required as part of the application process for a public
adjuster license in California?
A) Proof of five years of insurance experience
B) Submitting fingerprints for criminal background check
C) Owning a private insurance company
D) Completing a law degree
Explanation: Applicants must submit fingerprints for a criminal background check
as part of the licensing process in California .
Exam Questions And Correct Answers (Verified
Answers) Plus Rationales 2026 Q&A | Instant
Download Pdf.
Topic 1: Licensing Requirements and Qualifications
Question 1: Which of the following activities requires a public adjuster license
under the California Public Adjuster Act?
A) Providing advice to an insurer on claim handling
B) Representing an insured in negotiating a claim settlement
C) Acting as a loss adjuster for the insurance company
D) Performing property inspections for a real estate broker
Explanation: The California Public Adjusters Act defines a public adjuster as any
person who represents an insured in adjusting, negotiating, or settling a claim.
Representing the insured's interests triggers the licensure requirement .
Question 2: What is the minimum age requirement for a California public
adjuster license?
A) 18 years
B) 21 years
C) 25 years
D) No minimum age requirement
,Explanation: California Insurance Code Section 15011(a) requires applicants to be
at least 18 years of age for licensure .
Question 3: Under California Insurance Code Section 15011, what is the
experience requirement for a public adjuster license?
A) One year of claims handling experience
B) Two years of experience in handling loss claims under insurance contracts
C) Three years of insurance sales experience
D) No experience requirement
Explanation: Section 15011(c) requires applicants to have at least two years'
experience in handling loss claims under insurance contracts, as determined by
regulations adopted by the commissioner .
Question 4: How can an apprentice public adjuster license help meet the
experience requirement?
A) One month as an apprentice equals one year of experience
B) *12 full months as an apprentice meets the two-year experience requirement*
C) Apprentice experience does not count toward the requirement
D) 6 months as an apprentice meets the entire requirement
*Explanation: Section 15011(c) states that a person licensed as an apprentice
public adjuster for 12 full months is considered to have met the two-year
experience requirement .*
Question 5: What is the surety bond amount required for a California public
adjuster license?
,A) $10,000
B) $20,000
C) $25,000
D) $50,000
Explanation: California Insurance Code Section 15011(f) requires public adjusters to
post a surety bond executed by a surety company authorized to do business in
California in the sum of $20,000 .
Question 6: Does a non-resident applicant for a California public adjuster license
need to take the qualifying examination?
A) Yes, all applicants must take the exam
B) No, California has reciprocity with other states
C) Only if they have no experience
D) Only if their home state does not have an exam
Explanation: California is reciprocal with other states for non-resident licensing of
public insurance adjusters. Non-resident applicants are not required to take the
qualifying examination .
Question 7: Which regulatory authority oversees the licensing and discipline of
public insurance adjusters in California?
A) California Department of Consumer Affairs
B) California Department of Insurance (CDI)
C) California State Bar
D) California Insurance Fraud Bureau
Explanation: The CDI is responsible for licensing, regulating, and disciplining public
adjusters in California .
, Question 8: How often must licensed public adjusters in California renew their
license?
A) Every year
B) Every two years
C) Every three years
D) Every five years
Explanation: California public adjusters are required to renew their license every
two years, which includes completing continuing education requirements .
Question 9: What is required of organization applicants for a public adjuster
license?
A) All employees must be licensed as public adjusters
B) Designate a licensed individual public adjuster to be responsible for compliance
C) Maintain a physical office in every California county
D) Provide a $100,000 bond
Explanation: Section 15011(g) requires an organization applicant to designate a
licensed individual public insurance adjuster to be responsible for the organization's
compliance with insurance laws, rules, and regulations of California .
Question 10: What is required as part of the application process for a public
adjuster license in California?
A) Proof of five years of insurance experience
B) Submitting fingerprints for criminal background check
C) Owning a private insurance company
D) Completing a law degree
Explanation: Applicants must submit fingerprints for a criminal background check
as part of the licensing process in California .
