ILLINOIS PUBLIC ADJUSTER EXAM SCRIPT 2025/2026
QUESTIONS AND ANSWERS GRADED A+
✔✔deductible amount, net claim payment - ✔✔A public adjuster commission, charges
or fees must not include the _______, and will only be based on _______ made by the
insurer.
✔✔PA's cannot represent while: - ✔✔- while a loss producing occurrence is continuing
nor while the fire department or its representatives are engaged at the damaged
premises nor between the hours of 7 PM and 8 AM
✔✔Required disclosure - ✔✔Any compensation or anything of value in connection with
the insured's specific loss that will be received by a public adjuster must be disclosed by
the public adjuster to the insured in writing including the source and amount.
✔✔30 calendar days = payment release - ✔✔When proceeds are paid jointly, the
insured must release the portion due to the public adjuster within ____ calendar days, if
not, insured must provide the PA with a written explanation for the delay.
✔✔General ethical requirements - ✔✔No public adjuster while licensed by the
Department, may represent or act as a company adjuster or independent adjuster on
the same claim. Ya can't be both at once
✔✔emergency services - ✔✔A public adjuster may not advance money or any valuable
consideration except: ______ pending adjustment of a claim
✔✔A public adjuster may not: - ✔✔provide legal advice / representation to the insured /
engage in unauthorized practice of law
✔✔Public adjusters may not represent that: - ✔✔He/she is a representative of a
insurance company, a fire department, or the state of Illinois, or that he or she is a fire
investigator or that his or her services are required for the insured to submit a claim to
the iinsurance company.
✔✔Record retention = 7 years - ✔✔Records must be maintained for at least ___ years
after the termination of the transaction with an insured. the records must also be open to
examination by the Director at all times
✔✔Proprietary - ✔✔Records submitted to the Director that contain information identified
in writing as _______ by the public adjuster will be treated as confidential by the
Director and are not subject to the Freedom of Information Act
✔✔"Notice of hearing" = 10 days - ✔✔The Department of insurance will issue a notice
of hearing when hearing is granted regarding the conduct of public adjusters, the notice
must be provided to public adjuster 10 days in advance before date of hearing
, ✔✔Calculate the square yardage of carpeting - ✔✔Steps:
1) find sq footage of room ( length x width )
2) add 5% to the sq footage
3) divide that number by 9
Ex: a contractor would like to calculate the square yardage for carpeting for a 12 x 12
room
1) 12 x 12 = 144 sq feet
2) 144 + 5% = 151.2 sq feet
3) divide 151.2 sq ft by 9 = 16.8 square yards 🙂
✔✔Treads and risers - ✔✔The two main parts of a set of stairs =
✔✔"Stair treads" aka "runs" - ✔✔Horizontal pieces that is "tread upon" with their feet.
(The depths of the treads can affect the comfort and safety of the staircase)
✔✔" Stair risers " - ✔✔The vertical pieces of the stairs. The "rise" of the stair is either
high or low.
✔✔Voltage - ✔✔The numerical value of the electrical potential between two points in a
circuit.
Volts = Watts/Amperes
✔✔Wattage - ✔✔A unit of power in electrical equipment
Watts = Volts x Amperes
✔✔Ampere - ✔✔Unit of electrical current
Amps = wattage/voltage
✔✔Circuit breaker - ✔✔A switch like device with a pre set current limit used to protect a
circuit from electrical over load
✔✔Conduit - ✔✔Pipe or tubing used to house cable.
✔✔Gambrel roof - ✔✔contains two sloping planes of different pitch on each side of the
ridge.
✔✔Mansard roof - ✔✔Contains two sloping planes of different pitch on each of the four
sides. No gables.
✔✔Bundle - ✔✔A package of shingles. There are 3, 4, or 5 bundles per square.
QUESTIONS AND ANSWERS GRADED A+
✔✔deductible amount, net claim payment - ✔✔A public adjuster commission, charges
or fees must not include the _______, and will only be based on _______ made by the
insurer.
✔✔PA's cannot represent while: - ✔✔- while a loss producing occurrence is continuing
nor while the fire department or its representatives are engaged at the damaged
premises nor between the hours of 7 PM and 8 AM
✔✔Required disclosure - ✔✔Any compensation or anything of value in connection with
the insured's specific loss that will be received by a public adjuster must be disclosed by
the public adjuster to the insured in writing including the source and amount.
✔✔30 calendar days = payment release - ✔✔When proceeds are paid jointly, the
insured must release the portion due to the public adjuster within ____ calendar days, if
not, insured must provide the PA with a written explanation for the delay.
✔✔General ethical requirements - ✔✔No public adjuster while licensed by the
Department, may represent or act as a company adjuster or independent adjuster on
the same claim. Ya can't be both at once
✔✔emergency services - ✔✔A public adjuster may not advance money or any valuable
consideration except: ______ pending adjustment of a claim
✔✔A public adjuster may not: - ✔✔provide legal advice / representation to the insured /
engage in unauthorized practice of law
✔✔Public adjusters may not represent that: - ✔✔He/she is a representative of a
insurance company, a fire department, or the state of Illinois, or that he or she is a fire
investigator or that his or her services are required for the insured to submit a claim to
the iinsurance company.
✔✔Record retention = 7 years - ✔✔Records must be maintained for at least ___ years
after the termination of the transaction with an insured. the records must also be open to
examination by the Director at all times
✔✔Proprietary - ✔✔Records submitted to the Director that contain information identified
in writing as _______ by the public adjuster will be treated as confidential by the
Director and are not subject to the Freedom of Information Act
✔✔"Notice of hearing" = 10 days - ✔✔The Department of insurance will issue a notice
of hearing when hearing is granted regarding the conduct of public adjusters, the notice
must be provided to public adjuster 10 days in advance before date of hearing
, ✔✔Calculate the square yardage of carpeting - ✔✔Steps:
1) find sq footage of room ( length x width )
2) add 5% to the sq footage
3) divide that number by 9
Ex: a contractor would like to calculate the square yardage for carpeting for a 12 x 12
room
1) 12 x 12 = 144 sq feet
2) 144 + 5% = 151.2 sq feet
3) divide 151.2 sq ft by 9 = 16.8 square yards 🙂
✔✔Treads and risers - ✔✔The two main parts of a set of stairs =
✔✔"Stair treads" aka "runs" - ✔✔Horizontal pieces that is "tread upon" with their feet.
(The depths of the treads can affect the comfort and safety of the staircase)
✔✔" Stair risers " - ✔✔The vertical pieces of the stairs. The "rise" of the stair is either
high or low.
✔✔Voltage - ✔✔The numerical value of the electrical potential between two points in a
circuit.
Volts = Watts/Amperes
✔✔Wattage - ✔✔A unit of power in electrical equipment
Watts = Volts x Amperes
✔✔Ampere - ✔✔Unit of electrical current
Amps = wattage/voltage
✔✔Circuit breaker - ✔✔A switch like device with a pre set current limit used to protect a
circuit from electrical over load
✔✔Conduit - ✔✔Pipe or tubing used to house cable.
✔✔Gambrel roof - ✔✔contains two sloping planes of different pitch on each side of the
ridge.
✔✔Mansard roof - ✔✔Contains two sloping planes of different pitch on each of the four
sides. No gables.
✔✔Bundle - ✔✔A package of shingles. There are 3, 4, or 5 bundles per square.
