CONNECTICUT PUBLIC ADJUSTER EXAM
QUESTIONS AND CORRECT ANSWERS (VERIFED
ANSWERS) Q&A 2026/2027|INSTANT DOWNLOAD
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1. What is the primary role of a public adjuster?
A. Represent the insurance company
B. Represent the policyholder in an insurance claim
C. Issue insurance policies
D. Determine insurance premiums
Correct Answer: B. Represent the policyholder in an insurance
claim
Rationale: A public adjuster works on behalf of the insured to
assist with preparing, documenting, presenting, and negotiating
an insurance claim.
2. Which party does an insurance company's claims adjuster
generally represent?
A. The insured
B. The mortgage lender
C. The insurer
D. The contractor
Correct Answer: C. The insurer
,Rationale: A staff or company adjuster generally handles claims
on behalf of the insurance company.
3. Which type of adjuster works independently for insurers on
a contract basis?
A. Independent adjuster
B. Public adjuster
C. Staff underwriter
D. Insurance producer
Correct Answer: A. Independent adjuster
Rationale: Independent adjusters are typically hired by insurers
or adjusting firms to investigate and adjust claims.
4. What is the fundamental purpose of an insurance policy?
A. Guarantee a profit
B. Transfer specified risks from the insured to the insurer
C. Eliminate every possible financial loss
D. Replace all damaged property regardless of cause
Correct Answer: B. Transfer specified risks from the insured to
the insurer
Rationale: Insurance transfers defined financial risks to an
insurer in exchange for a premium, subject to policy terms and
conditions.
,5. What does the term "peril" generally mean in insurance?
A. A cause of loss
B. A deductible
C. A policy limit
D. A premium payment
Correct Answer: A. A cause of loss
Rationale: A peril is a cause of loss, such as fire, windstorm, or
theft, depending on the policy.
6. What is a hazard?
A. A condition that increases the chance or severity of loss
B. The amount of insurance purchased
C. A policy's expiration date
D. A claim payment
Correct Answer: A. A condition that increases the chance or
severity of loss
Rationale: Hazards can increase the likelihood or potential
severity of an insured loss.
7. Which is an example of a physical hazard?
A. Intentional deception
B. Carelessness caused by having insurance
, C. Faulty electrical wiring
D. Dishonest behavior
Correct Answer: C. Faulty electrical wiring
Rationale: A physical hazard is a tangible condition that
increases the likelihood or severity of loss.
8. What is a deductible?
A. The insurer's profit
B. The amount the insured generally bears before insurance
responds
C. The policy premium
D. The adjuster's fee
Correct Answer: B. The amount the insured generally bears
before insurance responds
Rationale: A deductible is the specified amount the insured is
responsible for under applicable claim provisions.
9. What does an insurance policy's limit of insurance generally
represent?
A. The maximum amount the insurer may pay for a covered loss
under the applicable provision
B. The amount of the deductible
C. The adjuster's commission
D. The policyholder's annual income
QUESTIONS AND CORRECT ANSWERS (VERIFED
ANSWERS) Q&A 2026/2027|INSTANT DOWNLOAD
1. What is the primary role of a public adjuster?
A. Represent the insurance company
B. Represent the policyholder in an insurance claim
C. Issue insurance policies
D. Determine insurance premiums
Correct Answer: B. Represent the policyholder in an insurance
claim
Rationale: A public adjuster works on behalf of the insured to
assist with preparing, documenting, presenting, and negotiating
an insurance claim.
2. Which party does an insurance company's claims adjuster
generally represent?
A. The insured
B. The mortgage lender
C. The insurer
D. The contractor
Correct Answer: C. The insurer
,Rationale: A staff or company adjuster generally handles claims
on behalf of the insurance company.
3. Which type of adjuster works independently for insurers on
a contract basis?
A. Independent adjuster
B. Public adjuster
C. Staff underwriter
D. Insurance producer
Correct Answer: A. Independent adjuster
Rationale: Independent adjusters are typically hired by insurers
or adjusting firms to investigate and adjust claims.
4. What is the fundamental purpose of an insurance policy?
A. Guarantee a profit
B. Transfer specified risks from the insured to the insurer
C. Eliminate every possible financial loss
D. Replace all damaged property regardless of cause
Correct Answer: B. Transfer specified risks from the insured to
the insurer
Rationale: Insurance transfers defined financial risks to an
insurer in exchange for a premium, subject to policy terms and
conditions.
,5. What does the term "peril" generally mean in insurance?
A. A cause of loss
B. A deductible
C. A policy limit
D. A premium payment
Correct Answer: A. A cause of loss
Rationale: A peril is a cause of loss, such as fire, windstorm, or
theft, depending on the policy.
6. What is a hazard?
A. A condition that increases the chance or severity of loss
B. The amount of insurance purchased
C. A policy's expiration date
D. A claim payment
Correct Answer: A. A condition that increases the chance or
severity of loss
Rationale: Hazards can increase the likelihood or potential
severity of an insured loss.
7. Which is an example of a physical hazard?
A. Intentional deception
B. Carelessness caused by having insurance
, C. Faulty electrical wiring
D. Dishonest behavior
Correct Answer: C. Faulty electrical wiring
Rationale: A physical hazard is a tangible condition that
increases the likelihood or severity of loss.
8. What is a deductible?
A. The insurer's profit
B. The amount the insured generally bears before insurance
responds
C. The policy premium
D. The adjuster's fee
Correct Answer: B. The amount the insured generally bears
before insurance responds
Rationale: A deductible is the specified amount the insured is
responsible for under applicable claim provisions.
9. What does an insurance policy's limit of insurance generally
represent?
A. The maximum amount the insurer may pay for a covered loss
under the applicable provision
B. The amount of the deductible
C. The adjuster's commission
D. The policyholder's annual income
