Hawaii Public Adjuster Licensing
Exam Questions and Correct
Answers with Detailed Rationales |
2026/2027 Edition | Exam Prep
Study Guide PDF
1. What is the primary role of a public adjuster in Hawaii?
A. To represent the insurance company in settling claims
B. To underwrite property insurance policies
C. To act on behalf of the insured in connection with an
insurance claim
D. To determine insurance premiums
Rationale: A public adjuster represents the policyholder rather
than the insurer. The adjuster assists with investigating,
documenting, evaluating, and negotiating the insured's claim.
2. Which Hawaii government agency regulates insurance
adjuster licensing?
A. Hawaii Department of Labor and Industrial Relations
B. Hawaii Department of Taxation
C. Hawaii Department of Public Safety
D. Hawaii Department of Commerce and Consumer Affairs,
Insurance Division
Rationale: The Insurance Division of the Hawaii Department of
Commerce and Consumer Affairs administers insurance
licensing and regulation in the state.
, 3. Which examination is generally required for an individual
seeking a Hawaii public adjuster license?
A. Property appraiser examination
B. Producer-only examination
C. Hawaii adjuster examination for the public adjuster license
D. Attorney licensing examination
Rationale: Hawaii requires applicants for a public adjuster license
to successfully pass the Hawaii Adjuster examination unless an
applicable exemption applies. The state identifies Pearson as the
examination administrator.
4. Which organization administers Hawaii insurance licensing
examinations?
A. Prometric
B. PSI
C. Pearson
D. FINRA
Rationale: The Hawaii Insurance Division identifies Pearson as the
administrator of Hawaii insurance licensing examinations.
Applicants can test at an approved test center or through online
proctoring.
5. What type of bond must an applicant for a Hawaii public
adjuster license submit?
A. $1,000 fidelity bond
B. $5,000 performance bond
C. $10,000 surety bond
D. $25,000 financial guarantee bond
Rationale: Hawaii requires a public adjuster applicant to submit a
filed surety bond in the amount of $10,000. The bond must be
,submitted through the NIPR Attachments Warehouse within the
required period after the application.
6. How long does a public adjuster applicant generally have to
attach the required surety bond to the NIPR Attachments
Warehouse after submitting the application?
A. 24 hours
B. 3 days
C. 7 days
D. 30 days
Rationale: Hawaii's Insurance Division instructs public adjuster
applicants to submit the copy of the filed $10,000 surety bond
within seven days of submitting the electronic application. Failure
to provide the required document may result in rejection of the
application.
7. What is the current initial individual license fee listed by
Hawaii for a resident or nonresident adjuster?
A. $90
B. $125
C. $165
D. $250
Rationale: Hawaii's current fee schedule lists an initial fee of $165
for resident and nonresident adjusters, including independent,
public, workers' compensation, and crop adjusters.
8. What is the current renewal fee listed for a Hawaii resident
or nonresident adjuster?
A. $50
B. $90
, C. $165
D. $200
Rationale: Hawaii's Insurance Division currently lists a $90
renewal fee for individual resident and nonresident adjusters.
9. Which statement best distinguishes a public adjuster from
an insurer's adjuster?
A. A public adjuster represents the insurance company.
B. An insurer's adjuster represents the policyholder.
C. A public adjuster acts for the insured, while an insurer's
adjuster acts for the insurer.
D. Both always represent the same party.
Rationale: The distinction is based primarily on whom the adjuster
represents. A public adjuster is engaged by the policyholder, while
an insurer's adjuster investigates and adjusts claims for the
insurer.
10. Which activity would most appropriately fall within a
public adjuster's professional responsibilities?
A. Setting the insurer's underwriting guidelines
B. Selling securities to the claimant
C. Helping document and evaluate the insured's covered
property loss
D. Issuing an insurance policy on behalf of an insurer
Rationale: Public adjusters assist insureds with claim preparation
and adjustment. They do not act as underwriters or issue
insurance policies.
11. Hawaii requires applicants for an initial resident
adjuster license to complete which additional licensing-
related requirement besides passing the examination?
Exam Questions and Correct
Answers with Detailed Rationales |
2026/2027 Edition | Exam Prep
Study Guide PDF
1. What is the primary role of a public adjuster in Hawaii?
A. To represent the insurance company in settling claims
B. To underwrite property insurance policies
C. To act on behalf of the insured in connection with an
insurance claim
D. To determine insurance premiums
Rationale: A public adjuster represents the policyholder rather
than the insurer. The adjuster assists with investigating,
documenting, evaluating, and negotiating the insured's claim.
2. Which Hawaii government agency regulates insurance
adjuster licensing?
A. Hawaii Department of Labor and Industrial Relations
B. Hawaii Department of Taxation
C. Hawaii Department of Public Safety
D. Hawaii Department of Commerce and Consumer Affairs,
Insurance Division
Rationale: The Insurance Division of the Hawaii Department of
Commerce and Consumer Affairs administers insurance
licensing and regulation in the state.
, 3. Which examination is generally required for an individual
seeking a Hawaii public adjuster license?
A. Property appraiser examination
B. Producer-only examination
C. Hawaii adjuster examination for the public adjuster license
D. Attorney licensing examination
Rationale: Hawaii requires applicants for a public adjuster license
to successfully pass the Hawaii Adjuster examination unless an
applicable exemption applies. The state identifies Pearson as the
examination administrator.
4. Which organization administers Hawaii insurance licensing
examinations?
A. Prometric
B. PSI
C. Pearson
D. FINRA
Rationale: The Hawaii Insurance Division identifies Pearson as the
administrator of Hawaii insurance licensing examinations.
Applicants can test at an approved test center or through online
proctoring.
5. What type of bond must an applicant for a Hawaii public
adjuster license submit?
A. $1,000 fidelity bond
B. $5,000 performance bond
C. $10,000 surety bond
D. $25,000 financial guarantee bond
Rationale: Hawaii requires a public adjuster applicant to submit a
filed surety bond in the amount of $10,000. The bond must be
,submitted through the NIPR Attachments Warehouse within the
required period after the application.
6. How long does a public adjuster applicant generally have to
attach the required surety bond to the NIPR Attachments
Warehouse after submitting the application?
A. 24 hours
B. 3 days
C. 7 days
D. 30 days
Rationale: Hawaii's Insurance Division instructs public adjuster
applicants to submit the copy of the filed $10,000 surety bond
within seven days of submitting the electronic application. Failure
to provide the required document may result in rejection of the
application.
7. What is the current initial individual license fee listed by
Hawaii for a resident or nonresident adjuster?
A. $90
B. $125
C. $165
D. $250
Rationale: Hawaii's current fee schedule lists an initial fee of $165
for resident and nonresident adjusters, including independent,
public, workers' compensation, and crop adjusters.
8. What is the current renewal fee listed for a Hawaii resident
or nonresident adjuster?
A. $50
B. $90
, C. $165
D. $200
Rationale: Hawaii's Insurance Division currently lists a $90
renewal fee for individual resident and nonresident adjusters.
9. Which statement best distinguishes a public adjuster from
an insurer's adjuster?
A. A public adjuster represents the insurance company.
B. An insurer's adjuster represents the policyholder.
C. A public adjuster acts for the insured, while an insurer's
adjuster acts for the insurer.
D. Both always represent the same party.
Rationale: The distinction is based primarily on whom the adjuster
represents. A public adjuster is engaged by the policyholder, while
an insurer's adjuster investigates and adjusts claims for the
insurer.
10. Which activity would most appropriately fall within a
public adjuster's professional responsibilities?
A. Setting the insurer's underwriting guidelines
B. Selling securities to the claimant
C. Helping document and evaluate the insured's covered
property loss
D. Issuing an insurance policy on behalf of an insurer
Rationale: Public adjusters assist insureds with claim preparation
and adjustment. They do not act as underwriters or issue
insurance policies.
11. Hawaii requires applicants for an initial resident
adjuster license to complete which additional licensing-
related requirement besides passing the examination?
