California Public Adjuster Licensing Practice
Exam 2026 | Questions with Correct Answers &
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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
Answer: B
Rationale: 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.
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
Answer: A
Rationale: California Insurance Code Section 15011(a) requires applicants to be at
least 18 years of age for licensure.
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
Answer: B
Rationale: 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.
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
Answer: B
Rationale: 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.
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
Answer: B
Rationale: 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.
,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
Answer: B
Rationale: 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.
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
Answer: B
Rationale: The CDI is responsible for licensing, regulating, and disciplining
public adjusters in California.
8. What is the required fee for a California public adjuster license
application?
• A) $100
• B) $250
• C) $300
• D) The fee is established by the Commissioner
Answer: D
Rationale: Insurance Code Section 15013 grants the Commissioner authority to
set fees by regulation, subject to legislative oversight.
, 9. How long is a California public adjuster license valid before renewal?
• A) 1 year
• B) 2 years
• C) 3 years
• D) 4 years
Answer: B
Rationale: Public adjuster licenses in California must be renewed every two years.
10. What is the continuing education requirement for a California public
adjuster license renewal?
• A) 12 hours
• B) 24 hours
• C) 36 hours
• D) 48 hours
Answer: B
Rationale: California requires 24 hours of continuing education for public adjuster
license renewal.
11. Does a public adjuster need to pass an examination to renew their license?
• A) Yes, every renewal
• B) No, only the initial license requires an examination
• C) Yes, every other renewal
• D) No, examinations are not required for public adjusters
Answer: B
Rationale: Only the initial licensure requires a qualifying examination; renewal
requires continuing education but not a new exam.
12. Which of the following is a requirement for a California public adjuster
license?
• A) Be a California resident
Exam 2026 | Questions with Correct Answers &
Detailed Rationales | Instant PDF Download |
Pass with Confidence
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
Answer: B
Rationale: 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.
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
Answer: A
Rationale: California Insurance Code Section 15011(a) requires applicants to be at
least 18 years of age for licensure.
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
Answer: B
Rationale: 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.
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
Answer: B
Rationale: 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.
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
Answer: B
Rationale: 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.
,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
Answer: B
Rationale: 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.
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
Answer: B
Rationale: The CDI is responsible for licensing, regulating, and disciplining
public adjusters in California.
8. What is the required fee for a California public adjuster license
application?
• A) $100
• B) $250
• C) $300
• D) The fee is established by the Commissioner
Answer: D
Rationale: Insurance Code Section 15013 grants the Commissioner authority to
set fees by regulation, subject to legislative oversight.
, 9. How long is a California public adjuster license valid before renewal?
• A) 1 year
• B) 2 years
• C) 3 years
• D) 4 years
Answer: B
Rationale: Public adjuster licenses in California must be renewed every two years.
10. What is the continuing education requirement for a California public
adjuster license renewal?
• A) 12 hours
• B) 24 hours
• C) 36 hours
• D) 48 hours
Answer: B
Rationale: California requires 24 hours of continuing education for public adjuster
license renewal.
11. Does a public adjuster need to pass an examination to renew their license?
• A) Yes, every renewal
• B) No, only the initial license requires an examination
• C) Yes, every other renewal
• D) No, examinations are not required for public adjusters
Answer: B
Rationale: Only the initial licensure requires a qualifying examination; renewal
requires continuing education but not a new exam.
12. Which of the following is a requirement for a California public adjuster
license?
• A) Be a California resident
