HAWAII ADJUSTER PRACTICE EXAMINATION 2026
QUESTIONS WITH ANSWERS GRADED A+
● Licensing Requirements. Answer: Educational prerequisites, examination passing,
background checks, and continuing education mandated for Hawaii adjuster authorization
● Emergency Repairs. Answer: Immediate temporary repairs preventing further damage and
making property safe
● Catastrophe Adjuster. Answer: Specialized adjuster deploying to disaster areas handling
high volumes of claims from hurricanes, floods, earthquakes, or other major events
● Department of Commerce and Consumer Affairs. Answer: Hawaii state department
regulating business and professional activities including insurance adjusters through licensing
and enforcement
● Partial Payment. Answer: Advance or progress payment before final settlement particularly
for living expenses or emergency repairs
● Overhead and Profit. Answer: Contractor business costs and markup added to direct
repair expenses in estimates
● Subrogation. Answer: Insurance company's right to pursue recovery from responsible third
parties after paying insured's claim
● Staff Adjuster. Answer: Insurance company employee working exclusively for single
carrier investigating and settling claims on behalf of that employer
● Pre-Licensing Education. Answer: Required coursework completing specified hours of
approved instruction before taking licensing examination
● FEMA. Answer: Federal Emergency Management Agency administering National Flood
Insurance Program and disaster response
● Loss of Use Coverage. Answer: Insurance paying additional costs when insured cannot
occupy property due to covered damage
● Xactimate. Answer: Industry-standard estimating software using regional pricing databases
for consistent repair cost calculations
, ● Salvage Value. Answer: Remaining worth of damaged property after loss potentially
reducing net claim payment
● Release of Claims. Answer: Legal document signed by insured accepting settlement and
waiving further claims related to loss
● Subrogation Rights. Answer: Legal authority to step into insured's position seeking
reimbursement from liable parties
● Policy Conditions. Answer: Requirements and obligations both insured and insurer must
fulfill for coverage to apply
● Field Adjuster. Answer: Claims professional conducting on-site inspections, photographing
damages, and meeting policyholders at loss locations
● Partial Loss. Answer: Damage limited to portion of property with repair costs less than total
value
● Unfair Claims Practice. Answer: Prohibited actions including misrepresentation,
unreasonable delays, or lowball settlements violating insurance laws
● Additional Living Expenses. Answer: Coverage paying increased housing and living
costs when insured dwelling uninhabitable from covered loss
● Claim Denial. Answer: Formal refusal to pay claim based on lack of coverage, exclusion
application, or fraud suspicion
● Hawaii Insurance Code. Answer: State statutes governing insurance policies, practices,
licensing, and consumer protections
● Claim Investigation. Answer: Systematic examination gathering facts, interviewing parties,
inspecting damages, and reviewing documentation determining coverage and liability
● Staff Adjuster. Answer: Insurance company employee working exclusively for single
carrier investigating and settling claims on behalf of that employer
● CAT Adjuster. Answer: Abbreviation for Catastrophe Adjuster mobilizing rapidly to major
loss events
● CE Credits. Answer: Continuing Education units earned through seminars, courses, and
training satisfying renewal requirements
QUESTIONS WITH ANSWERS GRADED A+
● Licensing Requirements. Answer: Educational prerequisites, examination passing,
background checks, and continuing education mandated for Hawaii adjuster authorization
● Emergency Repairs. Answer: Immediate temporary repairs preventing further damage and
making property safe
● Catastrophe Adjuster. Answer: Specialized adjuster deploying to disaster areas handling
high volumes of claims from hurricanes, floods, earthquakes, or other major events
● Department of Commerce and Consumer Affairs. Answer: Hawaii state department
regulating business and professional activities including insurance adjusters through licensing
and enforcement
● Partial Payment. Answer: Advance or progress payment before final settlement particularly
for living expenses or emergency repairs
● Overhead and Profit. Answer: Contractor business costs and markup added to direct
repair expenses in estimates
● Subrogation. Answer: Insurance company's right to pursue recovery from responsible third
parties after paying insured's claim
● Staff Adjuster. Answer: Insurance company employee working exclusively for single
carrier investigating and settling claims on behalf of that employer
● Pre-Licensing Education. Answer: Required coursework completing specified hours of
approved instruction before taking licensing examination
● FEMA. Answer: Federal Emergency Management Agency administering National Flood
Insurance Program and disaster response
● Loss of Use Coverage. Answer: Insurance paying additional costs when insured cannot
occupy property due to covered damage
● Xactimate. Answer: Industry-standard estimating software using regional pricing databases
for consistent repair cost calculations
, ● Salvage Value. Answer: Remaining worth of damaged property after loss potentially
reducing net claim payment
● Release of Claims. Answer: Legal document signed by insured accepting settlement and
waiving further claims related to loss
● Subrogation Rights. Answer: Legal authority to step into insured's position seeking
reimbursement from liable parties
● Policy Conditions. Answer: Requirements and obligations both insured and insurer must
fulfill for coverage to apply
● Field Adjuster. Answer: Claims professional conducting on-site inspections, photographing
damages, and meeting policyholders at loss locations
● Partial Loss. Answer: Damage limited to portion of property with repair costs less than total
value
● Unfair Claims Practice. Answer: Prohibited actions including misrepresentation,
unreasonable delays, or lowball settlements violating insurance laws
● Additional Living Expenses. Answer: Coverage paying increased housing and living
costs when insured dwelling uninhabitable from covered loss
● Claim Denial. Answer: Formal refusal to pay claim based on lack of coverage, exclusion
application, or fraud suspicion
● Hawaii Insurance Code. Answer: State statutes governing insurance policies, practices,
licensing, and consumer protections
● Claim Investigation. Answer: Systematic examination gathering facts, interviewing parties,
inspecting damages, and reviewing documentation determining coverage and liability
● Staff Adjuster. Answer: Insurance company employee working exclusively for single
carrier investigating and settling claims on behalf of that employer
● CAT Adjuster. Answer: Abbreviation for Catastrophe Adjuster mobilizing rapidly to major
loss events
● CE Credits. Answer: Continuing Education units earned through seminars, courses, and
training satisfying renewal requirements
