Nebraska 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 Nebraska?
A. To represent the insurer in settling claims
B. To underwrite property insurance policies
C. To assist an insured with first-party property claims
D. To investigate claims exclusively for insurance companies
C. To assist an insured with first-party property claims
Under Nebraska law, a public adjuster acts for or aids an insured
in negotiating or effecting the settlement of a first-party claim
involving loss or damage to the insured’s real or personal
property. The public adjuster represents the insured’s interests
rather than those of the insurer.
2. Which Nebraska entity is responsible for regulating public
adjusters?
A. Nebraska Secretary of State
B. Nebraska Department of Labor
C. Nebraska Department of Insurance
D. Nebraska Attorney General's Office
C. Nebraska Department of Insurance
,The Nebraska Public Adjusters Licensing Act places regulatory
authority with the Department of Insurance. The Director of
Insurance administers licensing and related regulatory
responsibilities under the Act.
3. What must an individual generally do before operating as a
public adjuster in Nebraska?
A. Obtain an insurer appointment
B. Obtain a Nebraska public adjuster license
C. Become an insurance company employee
D. Obtain a contractor's license
B. Obtain a Nebraska public adjuster license
Nebraska law prohibits a person from operating as or representing
that the person is a public adjuster unless properly licensed under
the Public Adjusters Licensing Act. This requirement protects
consumers by ensuring that persons performing regulated public-
adjusting activities meet licensing standards.
4. Which type of claim is specifically within the statutory
definition of public adjusting in Nebraska?
A. First-party property claim
B. Life insurance beneficiary claim
C. Workers' compensation claim
D. Health insurance claim
A. First-party property claim
The Nebraska Public Adjusters Licensing Act is directed toward
first-party claims for loss or damage to real or personal property
of the insured. The Act specifically describes public adjusters in
connection with assisting insureds with these claims.
, 5. What is the minimum age generally required for a Nebraska
resident individual public adjuster license?
A. 16
B. 18
C. 19
D. 21
B. 18
The Nebraska Department of Insurance identifies being at least 18
years old as a requirement for an individual resident public
adjuster license.
6. Which of the following is a Nebraska resident public adjuster
licensing requirement?
A. A $100,000 surety bond
B. A $20,000 surety bond
C. A $5,000 surety bond
D. No financial responsibility requirement
B. A $20,000 surety bond
The Nebraska Department of Insurance lists proof of financial
responsibility through a $20,000 surety bond as a requirement for
a resident individual public adjuster license.
7. What application fee does the Nebraska Department of
Insurance currently identify for an individual public adjuster
license?
A. $25
B. $40
C. $50
D. $150
, C. $50
The Department of Insurance identifies a $50 application fee for
individual public adjuster licensing. The licensing requirements
also include examination and other qualifications for resident
applicants.
8. A Nebraska resident applicant for a public adjuster license
generally must pass what?
A. A written public adjuster licensing examination
B. A contractor examination only
C. A property appraisal examination only
D. An insurer underwriting examination
A. A written public adjuster licensing examination
Nebraska requires a resident public adjuster applicant to pass a
written examination unless the applicant qualifies for an
applicable statutory exemption. The examination tests knowledge
concerning public-adjuster duties and responsibilities and
Nebraska insurance laws and regulations.
9. What is the maximum examination fee that the Nebraska
Director of Insurance may establish under the Public
Adjusters Licensing Act?
A. $50
B. $75
C. $100
D. $150
C. $100
Nebraska Revised Statute § 44-9208 permits the Director to
arrange for administration of the written examination and collect a
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 Nebraska?
A. To represent the insurer in settling claims
B. To underwrite property insurance policies
C. To assist an insured with first-party property claims
D. To investigate claims exclusively for insurance companies
C. To assist an insured with first-party property claims
Under Nebraska law, a public adjuster acts for or aids an insured
in negotiating or effecting the settlement of a first-party claim
involving loss or damage to the insured’s real or personal
property. The public adjuster represents the insured’s interests
rather than those of the insurer.
2. Which Nebraska entity is responsible for regulating public
adjusters?
A. Nebraska Secretary of State
B. Nebraska Department of Labor
C. Nebraska Department of Insurance
D. Nebraska Attorney General's Office
C. Nebraska Department of Insurance
,The Nebraska Public Adjusters Licensing Act places regulatory
authority with the Department of Insurance. The Director of
Insurance administers licensing and related regulatory
responsibilities under the Act.
3. What must an individual generally do before operating as a
public adjuster in Nebraska?
A. Obtain an insurer appointment
B. Obtain a Nebraska public adjuster license
C. Become an insurance company employee
D. Obtain a contractor's license
B. Obtain a Nebraska public adjuster license
Nebraska law prohibits a person from operating as or representing
that the person is a public adjuster unless properly licensed under
the Public Adjusters Licensing Act. This requirement protects
consumers by ensuring that persons performing regulated public-
adjusting activities meet licensing standards.
4. Which type of claim is specifically within the statutory
definition of public adjusting in Nebraska?
A. First-party property claim
B. Life insurance beneficiary claim
C. Workers' compensation claim
D. Health insurance claim
A. First-party property claim
The Nebraska Public Adjusters Licensing Act is directed toward
first-party claims for loss or damage to real or personal property
of the insured. The Act specifically describes public adjusters in
connection with assisting insureds with these claims.
, 5. What is the minimum age generally required for a Nebraska
resident individual public adjuster license?
A. 16
B. 18
C. 19
D. 21
B. 18
The Nebraska Department of Insurance identifies being at least 18
years old as a requirement for an individual resident public
adjuster license.
6. Which of the following is a Nebraska resident public adjuster
licensing requirement?
A. A $100,000 surety bond
B. A $20,000 surety bond
C. A $5,000 surety bond
D. No financial responsibility requirement
B. A $20,000 surety bond
The Nebraska Department of Insurance lists proof of financial
responsibility through a $20,000 surety bond as a requirement for
a resident individual public adjuster license.
7. What application fee does the Nebraska Department of
Insurance currently identify for an individual public adjuster
license?
A. $25
B. $40
C. $50
D. $150
, C. $50
The Department of Insurance identifies a $50 application fee for
individual public adjuster licensing. The licensing requirements
also include examination and other qualifications for resident
applicants.
8. A Nebraska resident applicant for a public adjuster license
generally must pass what?
A. A written public adjuster licensing examination
B. A contractor examination only
C. A property appraisal examination only
D. An insurer underwriting examination
A. A written public adjuster licensing examination
Nebraska requires a resident public adjuster applicant to pass a
written examination unless the applicant qualifies for an
applicable statutory exemption. The examination tests knowledge
concerning public-adjuster duties and responsibilities and
Nebraska insurance laws and regulations.
9. What is the maximum examination fee that the Nebraska
Director of Insurance may establish under the Public
Adjusters Licensing Act?
A. $50
B. $75
C. $100
D. $150
C. $100
Nebraska Revised Statute § 44-9208 permits the Director to
arrange for administration of the written examination and collect a
