TEXAS ALL LINES ADJUSTER LAW AND REGULATIONS EXAM REVIEW QUESTIONS
AND ANSWERS 2025|WELL STRUCTURED|100% PASS
QUESTIONS ANSWERS
All of the following are exempted from
the requirement of an adjuster's license
examination except: A. Those persons
holding CPCU designation; B. those per-
sons adjusting workers compensation
claims; C. Those persons who have re-
B. A person adjusting workers compen-
ceived the Associate in Claims (AIC)
sation claims is not exempt.
designation; D. Those persons who have
a certificate of completion showing that
within the past 12 months the applicant
has completed a certified adjuster preli-
censing education program and passed
the state examination.
All of the following are qualifications
of applicants for an adjuster license in
Texas except: A. is at least 25 yrs. of age;
B. resides in this state or a state that per-
A. Applicants must be at least 18 yrs. of
mits a resident of this state to act as an
age.
adjuster in that state; C. is trustworthy; D.
has passed the required examination or
presents evidence that the applicant has
been exempted from the examination.
C. An emergency license is effective for
An emergency adjuster license is effec- a period not to exceed 90 days.The com-
tive for a period not to exceed: A. 180 missioner may extend the term of the
days B. 120 days; C. 90 days; D. 60 days. emergency license for an additional pe-
riod of 90 days.
A licensed adjuster must notify the com-
missioner if the adjuster changes the lo- D. A licensed adjuster shall promptly
cation of the adjuster's place of business: notify the commissioner if the adjuster
A. Within 10 days; B. Within 20 days; C. changes the location of the adjuster's
Within 30 days; D. Notification must be place of business.
made promptly
D. All licensees must complete 30 hours
All licensees must complete of continuing education within each re-
hours of continuing education within porting period. However, limited lines li-
censees, those selling life insurance not
, TEXAS ALL LINES ADJUSTER LAW AND REGULATIONS EXAM REVIEW QUESTIONS
AND ANSWERS 2025|WELL STRUCTURED|100% PASS
QUESTIONS ANSWERS
exceeding $15,000 and county mutual
each reporting period. A. 15; B. 20; C. 24; agents are required to comlete 10 hours
D. 30 of continuing education during each re-
porting period.
Which one of the following is not an C. The right to examine policyholders
example of an unfair claim settlement under oath, in the case of questionable
practice? A. Knowingly misrepresenting claims or potential fraud, is a right of an
pertinent facts to claimants; B. Failing insurer during a claim investigation and
to acknowledge communication within a is part of the contractural agreement be-
reasonably prompt period; C. Failing to tween the insurer and the insured. Failing
examine a claimant under oath; D. Not at- to do so does not constitute a violation of
tempting in good faith to promptly settle the state's unfair claims settlement prac-
a claim when liability is clear. tices.
A. A binder is a contract that provides
A contract that provides insurance cov-
temporary insurance coverage for up to
erage for up to 30 days, pending the is-
30 days, pending the issuance of the
suance of the permanent policy, is called
permanent policy. Lenders must accept
a: A. binder; B. endorsement; C. lender;
binders issued by properly appointed
D. remedy
and licensed agents.
What happens when a married couple
who jointly owns residential property di-
vorces during the term of their homeown-
ers insurance policy? A. Both insureds C. A homeowners or fire insurance pol-
must reapply for separate insurance on icy issued in Texas must contain a pro-
the property; B. The owner's must de- vision that the policy, if issued to cover
cide who will become the named insured community property, will remain in full
and transfer ownership of the insurance force and effect as to the interest of each
policy to that person; C. The insurance spouse irrespective of divorce or change
remains in effect, and the interests of of ownership between the spouses. The
both owners are covered as long as the spouses or former spouses may apply for
policy exists or as long as the policy is separate insurance, but the law does not
not cancelled; D. The insurer has the op- require them to do so.
tion to continue the policy that is in force
or require the insureds to apply for new
and separate policies.
All of the following statements regarding C. Property insurance contracts may
arbitration agreements are correct ex- contain a clause that allows the insurer
cept: A. the agreement must be in writ- and insured to arbitrate a disagreement
AND ANSWERS 2025|WELL STRUCTURED|100% PASS
QUESTIONS ANSWERS
All of the following are exempted from
the requirement of an adjuster's license
examination except: A. Those persons
holding CPCU designation; B. those per-
sons adjusting workers compensation
claims; C. Those persons who have re-
B. A person adjusting workers compen-
ceived the Associate in Claims (AIC)
sation claims is not exempt.
designation; D. Those persons who have
a certificate of completion showing that
within the past 12 months the applicant
has completed a certified adjuster preli-
censing education program and passed
the state examination.
All of the following are qualifications
of applicants for an adjuster license in
Texas except: A. is at least 25 yrs. of age;
B. resides in this state or a state that per-
A. Applicants must be at least 18 yrs. of
mits a resident of this state to act as an
age.
adjuster in that state; C. is trustworthy; D.
has passed the required examination or
presents evidence that the applicant has
been exempted from the examination.
C. An emergency license is effective for
An emergency adjuster license is effec- a period not to exceed 90 days.The com-
tive for a period not to exceed: A. 180 missioner may extend the term of the
days B. 120 days; C. 90 days; D. 60 days. emergency license for an additional pe-
riod of 90 days.
A licensed adjuster must notify the com-
missioner if the adjuster changes the lo- D. A licensed adjuster shall promptly
cation of the adjuster's place of business: notify the commissioner if the adjuster
A. Within 10 days; B. Within 20 days; C. changes the location of the adjuster's
Within 30 days; D. Notification must be place of business.
made promptly
D. All licensees must complete 30 hours
All licensees must complete of continuing education within each re-
hours of continuing education within porting period. However, limited lines li-
censees, those selling life insurance not
, TEXAS ALL LINES ADJUSTER LAW AND REGULATIONS EXAM REVIEW QUESTIONS
AND ANSWERS 2025|WELL STRUCTURED|100% PASS
QUESTIONS ANSWERS
exceeding $15,000 and county mutual
each reporting period. A. 15; B. 20; C. 24; agents are required to comlete 10 hours
D. 30 of continuing education during each re-
porting period.
Which one of the following is not an C. The right to examine policyholders
example of an unfair claim settlement under oath, in the case of questionable
practice? A. Knowingly misrepresenting claims or potential fraud, is a right of an
pertinent facts to claimants; B. Failing insurer during a claim investigation and
to acknowledge communication within a is part of the contractural agreement be-
reasonably prompt period; C. Failing to tween the insurer and the insured. Failing
examine a claimant under oath; D. Not at- to do so does not constitute a violation of
tempting in good faith to promptly settle the state's unfair claims settlement prac-
a claim when liability is clear. tices.
A. A binder is a contract that provides
A contract that provides insurance cov-
temporary insurance coverage for up to
erage for up to 30 days, pending the is-
30 days, pending the issuance of the
suance of the permanent policy, is called
permanent policy. Lenders must accept
a: A. binder; B. endorsement; C. lender;
binders issued by properly appointed
D. remedy
and licensed agents.
What happens when a married couple
who jointly owns residential property di-
vorces during the term of their homeown-
ers insurance policy? A. Both insureds C. A homeowners or fire insurance pol-
must reapply for separate insurance on icy issued in Texas must contain a pro-
the property; B. The owner's must de- vision that the policy, if issued to cover
cide who will become the named insured community property, will remain in full
and transfer ownership of the insurance force and effect as to the interest of each
policy to that person; C. The insurance spouse irrespective of divorce or change
remains in effect, and the interests of of ownership between the spouses. The
both owners are covered as long as the spouses or former spouses may apply for
policy exists or as long as the policy is separate insurance, but the law does not
not cancelled; D. The insurer has the op- require them to do so.
tion to continue the policy that is in force
or require the insureds to apply for new
and separate policies.
All of the following statements regarding C. Property insurance contracts may
arbitration agreements are correct ex- contain a clause that allows the insurer
cept: A. the agreement must be in writ- and insured to arbitrate a disagreement
