Fall Semester 2026–2027 17-70 – New York
Independent General Adjuster License Updated
2026 | 190+ Questions and Answers | NY 17-70
Independent General Adjuster Licensing Exam
Prep, Comprehensive Study Guide, Practice
Exam, Test Bank, Property & Casualty
Insurance, Claims Investigation, Policy
Interpretation, Property Damage Assessment,
Liability Claims, Loss Adjustment, New York
Insurance Law, Ethics, Fraud Prevention,
Settlement Procedures, Detailed Rationales and
Complete Revision Material
Question 1: According to the New York State Department of Financial Services
(NYDFS) exam content outline, what is the approximate percentage of the
Series 17-70 exam dedicated to Homeowners (2011) Policy?
A. 6%
B. 9%
C. 10%
D. 11%
CORRECT ANSWER: C. 10%
Rationale: The official exam content outline for the Series 17-70 Independent General
Adjuster examination allocates 10% of the questions to the Homeowners (2011) Policy
section. This is a significant portion of the exam, making it a key area of study .
Question 2: What are the minimum qualifications an individual must meet to
be eligible for a New York independent adjuster's license?
A. Be at least 21 years old, a resident of New York, and have two years of adjusting
experience.
B. Be at least 18 years old, be trustworthy and competent, and have never been
convicted of a felony or crime involving dishonest practices.
C. Be at least 18 years old, have a bachelor's degree, and pass a background check.
D. Be at least 21 years old, have a surety bond, and be sponsored by a licensed insurer.
CORRECT ANSWER: B. Be at least 18 years old, be trustworthy and competent,
and have never been convicted of a felony or crime involving dishonest
practices.
Rationale: The foundational requirements for a New York adjuster license are that the
applicant must be 18 years of age or older, be deemed trustworthy and competent, and
have no felony convictions or crimes involving fraudulent or dishonest practices .
Section 2108 of the New York Insurance Law outlines the prerequisites for licensing,
including the age and character requirements .
,Question 3: What is the passing score required for the New York Series 17-70
Independent General Adjuster examination?
A. 60%
B. 65%
C. 70%
D. 75%
CORRECT ANSWER: C. 70%
Rationale: Candidates taking the Series 17-70 exam must achieve a score of at least 70%
to pass. Those who score below this threshold are required to retake the exam and pay
the associated fees again .
Question 4: Who serves as the current testing provider for the New York State
insurance licensing examinations?
A. Pearson VUE
B. PSI Exams Online
C. Prometric
D. The New York State Department of Financial Services (NYDFS)
CORRECT ANSWER: B. PSI Exams Online
Rationale: As of March 2019, PSI Exams Online became the designated testing provider
for New York's insurance licensing exams. Candidates must create an account on their
website to register, pay the fee, and schedule their exam at a PSI testing center .
Question 5: What is the time limit for a candidate to complete the Series 17-70
Independent General Adjuster examination?
A. 1.5 hours
B. 2 hours
C. 2.5 hours
D. 3 hours
CORRECT ANSWER: B. 2 hours
Rationale: The Series 17-70 exam consists of 100 questions, and candidates are given a
strict time limit of 2 hours to complete the examination .
Question 6: What is the licensing fee that must be submitted with a New York
independent adjuster license application?
A. $50
B. $75
C. $100
D. $150
CORRECT ANSWER: C. $100
,Rationale: The application process for a New York independent adjuster license requires
a non-refundable licensing fee of $100. This payment is to be made via a check payable
to the "Superintendent of Financial Services" .
Question 7: What is the required amount of the surety bond that a New York
independent adjuster must provide to cover the licensing period?
A. $500
B. $1,000
C. $5,000
D. $10,000
CORRECT ANSWER: B. $1,000
Rationale: New York State requires independent adjusters to post a $1,000 surety bond
for the duration of their licensing period. This bond serves as a financial guarantee that
the adjuster will faithfully execute their duties and allows the state to recover funds in
cases of fraudulent behavior .
Question 8: How many Certificates of Character must an applicant for an
independent adjuster's license in New York provide?
A. Three
B. Five
C. Seven
D. Ten
CORRECT ANSWER: B. Five
Rationale: The NYDFS requires that an independent adjuster license applicant provide
five Certificates of Character. These individuals must vouch for the applicant's character
in their own handwriting, be over 18, be of good character, and have personally known
the applicant for at least five years .
Question 9: When does a New York independent adjuster license expire?
A. On the licensee's birthday every two years.
B. On December 31 of each odd-numbered year.
C. On December 31 in each even-numbered year.
D. On March 31 of each even-numbered year.
CORRECT ANSWER: C. On December 31 in each even-numbered year.
Rationale: The license for an independent adjuster in New York is valid for a two-year
term. The expiration date for all licenses is December 31 in each even-numbered year .
Question 10: Under New York Insurance Law, who is authorized to act as an
adjuster on behalf of an insured?
A. An independent adjuster
B. A staff adjuster
, C. A public adjuster
D. A broker
CORRECT ANSWER: C. A public adjuster
Rationale: New York Insurance Law §2108 clearly distinguishes the roles: an
independent adjuster acts on behalf of the insurer, while a public adjuster acts on behalf
of the insured. No adjuster shall act on behalf of an insured unless licensed as a public
adjuster .
Question 11: What is the penalty for an insurer who pays fees or other
compensation to an unlicensed person for acting as an independent adjuster?
A. A fine of up to $1,000.
B. The payment is prohibited by law.
C. A mandatory suspension of the insurer's certificate of authority.
D. A requirement to reimburse the unlicensed adjuster.
CORRECT ANSWER: B. The payment is prohibited by law.
Rationale: Section 2108(a)(4) of the New York Insurance Law explicitly states that no
insurer or its representative shall pay any fees or compensation to any person for acting
as an independent adjuster except to a licensed independent adjuster or an individual
who is excepted from the licensing requirement .
Question 12: According to the Series 17-70 exam outline, which section carries
the highest weight or percentage of questions?
A. Insurance Regulation
B. Homeowners (2011) Policy
C. Auto Insurance
D. Adjusting Losses
CORRECT ANSWER: B. Homeowners (2011) Policy
Rationale: Based on the exam content outline, the Homeowners (2011) Policy section is
assigned 10% of the exam questions, which is the largest percentage for a single section
alongside other sections like "Adjusting Losses" (11%), but Homeowners Policy is a
major focused area. "Auto Insurance" is 9%, and "Insurance Regulation" is 6% .
Question 13: A proposed sub-licensee for a corporation applying for an
independent adjuster license in New York must be:
A. A shareholder of the corporation.
B. An officer or director of the corporation.
C. An employee with at least two years of experience.
D. A resident of New York State.
CORRECT ANSWER: B. An officer or director of the corporation.
Independent General Adjuster License Updated
2026 | 190+ Questions and Answers | NY 17-70
Independent General Adjuster Licensing Exam
Prep, Comprehensive Study Guide, Practice
Exam, Test Bank, Property & Casualty
Insurance, Claims Investigation, Policy
Interpretation, Property Damage Assessment,
Liability Claims, Loss Adjustment, New York
Insurance Law, Ethics, Fraud Prevention,
Settlement Procedures, Detailed Rationales and
Complete Revision Material
Question 1: According to the New York State Department of Financial Services
(NYDFS) exam content outline, what is the approximate percentage of the
Series 17-70 exam dedicated to Homeowners (2011) Policy?
A. 6%
B. 9%
C. 10%
D. 11%
CORRECT ANSWER: C. 10%
Rationale: The official exam content outline for the Series 17-70 Independent General
Adjuster examination allocates 10% of the questions to the Homeowners (2011) Policy
section. This is a significant portion of the exam, making it a key area of study .
Question 2: What are the minimum qualifications an individual must meet to
be eligible for a New York independent adjuster's license?
A. Be at least 21 years old, a resident of New York, and have two years of adjusting
experience.
B. Be at least 18 years old, be trustworthy and competent, and have never been
convicted of a felony or crime involving dishonest practices.
C. Be at least 18 years old, have a bachelor's degree, and pass a background check.
D. Be at least 21 years old, have a surety bond, and be sponsored by a licensed insurer.
CORRECT ANSWER: B. Be at least 18 years old, be trustworthy and competent,
and have never been convicted of a felony or crime involving dishonest
practices.
Rationale: The foundational requirements for a New York adjuster license are that the
applicant must be 18 years of age or older, be deemed trustworthy and competent, and
have no felony convictions or crimes involving fraudulent or dishonest practices .
Section 2108 of the New York Insurance Law outlines the prerequisites for licensing,
including the age and character requirements .
,Question 3: What is the passing score required for the New York Series 17-70
Independent General Adjuster examination?
A. 60%
B. 65%
C. 70%
D. 75%
CORRECT ANSWER: C. 70%
Rationale: Candidates taking the Series 17-70 exam must achieve a score of at least 70%
to pass. Those who score below this threshold are required to retake the exam and pay
the associated fees again .
Question 4: Who serves as the current testing provider for the New York State
insurance licensing examinations?
A. Pearson VUE
B. PSI Exams Online
C. Prometric
D. The New York State Department of Financial Services (NYDFS)
CORRECT ANSWER: B. PSI Exams Online
Rationale: As of March 2019, PSI Exams Online became the designated testing provider
for New York's insurance licensing exams. Candidates must create an account on their
website to register, pay the fee, and schedule their exam at a PSI testing center .
Question 5: What is the time limit for a candidate to complete the Series 17-70
Independent General Adjuster examination?
A. 1.5 hours
B. 2 hours
C. 2.5 hours
D. 3 hours
CORRECT ANSWER: B. 2 hours
Rationale: The Series 17-70 exam consists of 100 questions, and candidates are given a
strict time limit of 2 hours to complete the examination .
Question 6: What is the licensing fee that must be submitted with a New York
independent adjuster license application?
A. $50
B. $75
C. $100
D. $150
CORRECT ANSWER: C. $100
,Rationale: The application process for a New York independent adjuster license requires
a non-refundable licensing fee of $100. This payment is to be made via a check payable
to the "Superintendent of Financial Services" .
Question 7: What is the required amount of the surety bond that a New York
independent adjuster must provide to cover the licensing period?
A. $500
B. $1,000
C. $5,000
D. $10,000
CORRECT ANSWER: B. $1,000
Rationale: New York State requires independent adjusters to post a $1,000 surety bond
for the duration of their licensing period. This bond serves as a financial guarantee that
the adjuster will faithfully execute their duties and allows the state to recover funds in
cases of fraudulent behavior .
Question 8: How many Certificates of Character must an applicant for an
independent adjuster's license in New York provide?
A. Three
B. Five
C. Seven
D. Ten
CORRECT ANSWER: B. Five
Rationale: The NYDFS requires that an independent adjuster license applicant provide
five Certificates of Character. These individuals must vouch for the applicant's character
in their own handwriting, be over 18, be of good character, and have personally known
the applicant for at least five years .
Question 9: When does a New York independent adjuster license expire?
A. On the licensee's birthday every two years.
B. On December 31 of each odd-numbered year.
C. On December 31 in each even-numbered year.
D. On March 31 of each even-numbered year.
CORRECT ANSWER: C. On December 31 in each even-numbered year.
Rationale: The license for an independent adjuster in New York is valid for a two-year
term. The expiration date for all licenses is December 31 in each even-numbered year .
Question 10: Under New York Insurance Law, who is authorized to act as an
adjuster on behalf of an insured?
A. An independent adjuster
B. A staff adjuster
, C. A public adjuster
D. A broker
CORRECT ANSWER: C. A public adjuster
Rationale: New York Insurance Law §2108 clearly distinguishes the roles: an
independent adjuster acts on behalf of the insurer, while a public adjuster acts on behalf
of the insured. No adjuster shall act on behalf of an insured unless licensed as a public
adjuster .
Question 11: What is the penalty for an insurer who pays fees or other
compensation to an unlicensed person for acting as an independent adjuster?
A. A fine of up to $1,000.
B. The payment is prohibited by law.
C. A mandatory suspension of the insurer's certificate of authority.
D. A requirement to reimburse the unlicensed adjuster.
CORRECT ANSWER: B. The payment is prohibited by law.
Rationale: Section 2108(a)(4) of the New York Insurance Law explicitly states that no
insurer or its representative shall pay any fees or compensation to any person for acting
as an independent adjuster except to a licensed independent adjuster or an individual
who is excepted from the licensing requirement .
Question 12: According to the Series 17-70 exam outline, which section carries
the highest weight or percentage of questions?
A. Insurance Regulation
B. Homeowners (2011) Policy
C. Auto Insurance
D. Adjusting Losses
CORRECT ANSWER: B. Homeowners (2011) Policy
Rationale: Based on the exam content outline, the Homeowners (2011) Policy section is
assigned 10% of the exam questions, which is the largest percentage for a single section
alongside other sections like "Adjusting Losses" (11%), but Homeowners Policy is a
major focused area. "Auto Insurance" is 9%, and "Insurance Regulation" is 6% .
Question 13: A proposed sub-licensee for a corporation applying for an
independent adjuster license in New York must be:
A. A shareholder of the corporation.
B. An officer or director of the corporation.
C. An employee with at least two years of experience.
D. A resident of New York State.
CORRECT ANSWER: B. An officer or director of the corporation.
