TEXAS ADJUSTER PRO FINAL EXAM | 2026/2027
Texas Adjuster Pro Final Certification Examination with Complete Questions & Verified Correct
Answers | Latest Version
Overview
This 2026/2027 updated resource contains the latest Texas Adjuster Pro Final Certification
Examination with the exact 110 questions and verified correct answers, following current Texas
Department of Insurance (TDI) licensing requirements, Texas Insurance Code, Texas Administrative
Code regulations, and industry best practices for property and casualty insurance adjusting in Texas.
Key Features
● ✓ Actual Texas Adjuster Pro exam format with the official 110 questions
● ✓ Comprehensive coverage of Texas insurance laws, adjusting practices, and claims handling
● ✓ Updated 2026/2027 Texas legislative changes and TDI regulatory updates
● ✓ Practical claims scenario applications and coverage interpretation exercises
● ✓ Texas-specific catastrophe response and weather-related claims protocols
Core Content Areas (110 Total Questions)
● Texas Insurance Laws & Regulations (30 Qs)
● Property Insurance Policies & Coverage (25 Qs)
● Casualty Insurance & Liability Claims (20 Qs)
● Claims Investigation & Adjustment Procedures (20 Qs)
● Ethics & Professional Conduct in Texas (15 Qs)
Detailed Content Breakdown
● Texas Insurance Code & Administrative Code Applications (20 Qs)
● Homeowners Policy Forms (HO-A, HO-B, HO-C) & Endorsements (15 Qs)
● Commercial Property Coverage & Business Interruption (12 Qs)
● Auto Insurance & Texas Financial Responsibility Laws (15 Qs)
● Workers' Compensation & Employers Liability (10 Qs)
● Claims Documentation & Reserve Setting (8 Qs)
● Fraud Detection & Reporting Requirements (8 Qs)
● Catastrophe Response & Disaster Claims Handling (10 Qs)
● Texas Unfair Claim Settlement Practices Act (7 Qs)
● Adjuster Licensing & Continuing Education Requirements (5 Qs)
Answer Format
Correct answers are marked in bold green and include: - Specific Texas Insurance Code section
citations and applications - Texas Administrative Code (TAC) Rule implementations -
Policy form interpretation and coverage analysis methodologies - Claims investigation
,procedures and evidence documentation requirements - Texas-specific damage assessment
and valuation methods - Ethical decision-making using Texas adjuster code of conduct
Updates for 2026/2027
● Reflects 2026 Texas Legislative Session insurance law changes
● Updated TDI regulatory requirements for adjuster conduct
● Enhanced hail and windstorm claims handling protocols
● New flood insurance requirements and NFIP compliance standards
● Revised Texas homeowners policy form updates and endorsements
● Updated catastrophe response and emergency adjuster deployment regulations
● New technology use in claims adjusting and virtual inspection standards
● Revised continuing education requirements and license renewal procedures
Texas Adjuster Pro Final Exam – Full 110 Questions with Verified Correct Answers &
Rationale
1. Under Texas law, how many hours of pre-licensing education are required to become a
Property & Casualty Adjuster?
A. 20 hours
B. 40 hours
C. 30 hours
D. 60 hours
Rationale: Per Texas Insurance Code §4051.152 and TAC Rule 84.101, applicants must complete 40
hours of TDI-approved pre-licensing education before taking the state exam.
2. Which Texas law prohibits unfair claim settlement practices by insurers and adjusters?
A. Texas Deceptive Trade Practices Act
B. Texas Insurance Code §542.003 (Unfair Claim Settlement Practices Act)
C. Texas Workers’ Compensation Act
D. Texas Business and Commerce Code
,Rationale: Texas Insurance Code §542.003 defines prohibited practices such as misrepresenting policy
provisions, failing to acknowledge claims promptly, or refusing to pay without reasonable
investigation.
3. In Texas, what is the minimum liability coverage required for auto insurance under the
Financial Responsibility Law?
A. 25/50/25
B. 30/60/25
C. 50/100/50
D. 10/20/10
Rationale: Texas Transportation Code §601.072 requires drivers to maintain auto liability insurance of
at least $30,000 per person, $60,000 per accident for bodily injury, and $25,000 for property damage
(30/60/25).
4. Under a standard Texas HO-3 policy, which of the following is covered for "open perils"?
A. Personal property
B. Dwelling (Coverage A)
C. Other structures
D. Loss of use
Rationale: In an HO-3 policy, the dwelling (Coverage A) is covered on an "open perils" (all-risk) basis,
while personal property is covered on a "named perils" basis per ISO policy forms adopted in Texas.
5. How soon must a Texas-licensed adjuster notify TDI of a change in residential address?
A. Within 60 days
B. Within 30 days
C. Within 90 days
D. No notification required
, Rationale: TAC Rule 84.111 requires licensees to report any change in name, address, or phone number
to TDI within 30 days to maintain an active license.
6. Which of the following is NOT a requirement for windstorm and hail coverage in Texas
coastal counties?
A. Roof certification
B. Mitigation discounts for impact-resistant windows
C. Mandatory purchase through TWIA for all homeowners
D. Eligibility verification through TDI-approved inspectors
Rationale: The Texas Windstorm Insurance Association (TWIA) is a "insurer of last resort."
Homeowners must first be denied coverage by at least one private insurer before applying to TWIA (TIC
§2210.102).
7. Under Texas law, how long does an insurer have to acknowledge receipt of a claim?
A. 5 business days
B. 15 business days
C. 30 calendar days
D. 60 days
Rationale: Texas Insurance Code §542.055(a)(1) requires insurers to acknowledge receipt of a claim
within 15 business days of receiving notice.
8. What is the statute of limitations for filing a property insurance claim in Texas?
A. 1 year
B. 2 years
C. 3 years
D. 5 years
Texas Adjuster Pro Final Certification Examination with Complete Questions & Verified Correct
Answers | Latest Version
Overview
This 2026/2027 updated resource contains the latest Texas Adjuster Pro Final Certification
Examination with the exact 110 questions and verified correct answers, following current Texas
Department of Insurance (TDI) licensing requirements, Texas Insurance Code, Texas Administrative
Code regulations, and industry best practices for property and casualty insurance adjusting in Texas.
Key Features
● ✓ Actual Texas Adjuster Pro exam format with the official 110 questions
● ✓ Comprehensive coverage of Texas insurance laws, adjusting practices, and claims handling
● ✓ Updated 2026/2027 Texas legislative changes and TDI regulatory updates
● ✓ Practical claims scenario applications and coverage interpretation exercises
● ✓ Texas-specific catastrophe response and weather-related claims protocols
Core Content Areas (110 Total Questions)
● Texas Insurance Laws & Regulations (30 Qs)
● Property Insurance Policies & Coverage (25 Qs)
● Casualty Insurance & Liability Claims (20 Qs)
● Claims Investigation & Adjustment Procedures (20 Qs)
● Ethics & Professional Conduct in Texas (15 Qs)
Detailed Content Breakdown
● Texas Insurance Code & Administrative Code Applications (20 Qs)
● Homeowners Policy Forms (HO-A, HO-B, HO-C) & Endorsements (15 Qs)
● Commercial Property Coverage & Business Interruption (12 Qs)
● Auto Insurance & Texas Financial Responsibility Laws (15 Qs)
● Workers' Compensation & Employers Liability (10 Qs)
● Claims Documentation & Reserve Setting (8 Qs)
● Fraud Detection & Reporting Requirements (8 Qs)
● Catastrophe Response & Disaster Claims Handling (10 Qs)
● Texas Unfair Claim Settlement Practices Act (7 Qs)
● Adjuster Licensing & Continuing Education Requirements (5 Qs)
Answer Format
Correct answers are marked in bold green and include: - Specific Texas Insurance Code section
citations and applications - Texas Administrative Code (TAC) Rule implementations -
Policy form interpretation and coverage analysis methodologies - Claims investigation
,procedures and evidence documentation requirements - Texas-specific damage assessment
and valuation methods - Ethical decision-making using Texas adjuster code of conduct
Updates for 2026/2027
● Reflects 2026 Texas Legislative Session insurance law changes
● Updated TDI regulatory requirements for adjuster conduct
● Enhanced hail and windstorm claims handling protocols
● New flood insurance requirements and NFIP compliance standards
● Revised Texas homeowners policy form updates and endorsements
● Updated catastrophe response and emergency adjuster deployment regulations
● New technology use in claims adjusting and virtual inspection standards
● Revised continuing education requirements and license renewal procedures
Texas Adjuster Pro Final Exam – Full 110 Questions with Verified Correct Answers &
Rationale
1. Under Texas law, how many hours of pre-licensing education are required to become a
Property & Casualty Adjuster?
A. 20 hours
B. 40 hours
C. 30 hours
D. 60 hours
Rationale: Per Texas Insurance Code §4051.152 and TAC Rule 84.101, applicants must complete 40
hours of TDI-approved pre-licensing education before taking the state exam.
2. Which Texas law prohibits unfair claim settlement practices by insurers and adjusters?
A. Texas Deceptive Trade Practices Act
B. Texas Insurance Code §542.003 (Unfair Claim Settlement Practices Act)
C. Texas Workers’ Compensation Act
D. Texas Business and Commerce Code
,Rationale: Texas Insurance Code §542.003 defines prohibited practices such as misrepresenting policy
provisions, failing to acknowledge claims promptly, or refusing to pay without reasonable
investigation.
3. In Texas, what is the minimum liability coverage required for auto insurance under the
Financial Responsibility Law?
A. 25/50/25
B. 30/60/25
C. 50/100/50
D. 10/20/10
Rationale: Texas Transportation Code §601.072 requires drivers to maintain auto liability insurance of
at least $30,000 per person, $60,000 per accident for bodily injury, and $25,000 for property damage
(30/60/25).
4. Under a standard Texas HO-3 policy, which of the following is covered for "open perils"?
A. Personal property
B. Dwelling (Coverage A)
C. Other structures
D. Loss of use
Rationale: In an HO-3 policy, the dwelling (Coverage A) is covered on an "open perils" (all-risk) basis,
while personal property is covered on a "named perils" basis per ISO policy forms adopted in Texas.
5. How soon must a Texas-licensed adjuster notify TDI of a change in residential address?
A. Within 60 days
B. Within 30 days
C. Within 90 days
D. No notification required
, Rationale: TAC Rule 84.111 requires licensees to report any change in name, address, or phone number
to TDI within 30 days to maintain an active license.
6. Which of the following is NOT a requirement for windstorm and hail coverage in Texas
coastal counties?
A. Roof certification
B. Mitigation discounts for impact-resistant windows
C. Mandatory purchase through TWIA for all homeowners
D. Eligibility verification through TDI-approved inspectors
Rationale: The Texas Windstorm Insurance Association (TWIA) is a "insurer of last resort."
Homeowners must first be denied coverage by at least one private insurer before applying to TWIA (TIC
§2210.102).
7. Under Texas law, how long does an insurer have to acknowledge receipt of a claim?
A. 5 business days
B. 15 business days
C. 30 calendar days
D. 60 days
Rationale: Texas Insurance Code §542.055(a)(1) requires insurers to acknowledge receipt of a claim
within 15 business days of receiving notice.
8. What is the statute of limitations for filing a property insurance claim in Texas?
A. 1 year
B. 2 years
C. 3 years
D. 5 years
