ADJUSTER TEST 4 QUESTIONS
WITH 100 CORRECT ANSWERS
2026 2027 VERIFIED QUESTIONS
AND ANSWERS ACTUAL
UPDATED REAL EXAM
QUESTIONS GRADED A+
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A public adjuster represents the interest of:
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A. The insurer
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B. The Insured
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C. The employer
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D. The interest of the general public - Answer B. The insured
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Which of the following is the type of report that indicates the initial result
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s of a claim investigation?
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A. Field Report
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B. Interim Report
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C. Full Report
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D. None of the above - Answer A. Field Report
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States have adopted statutes regarding claims adjusting. To avoid unfair tr
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eatment to a claimant the adjuster must not:
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A. Promptly investigate the claim.
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B. Follow the laws regarding the number of days in which to commence a
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n investigation.
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C. Deny the claim until a fair and prompt investigation has commenced.
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D. Pay the claim within a reasonable number of days after the final proof
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of loss has been
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received. Answer C. Deny the claim until a fair and prompt investigation
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has comm enced.
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Which of the following is not a claim settlement option?
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A. Forcing the insured to sue by offering less than the claim is worth.
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B. Repairing property.
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C. Replacing with like kind and quality.
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D. Replace with new Answer A. Forcing the insured to sue by offering less th
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an the claim is wor th.
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The giving up of a known right is called:
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A. Estoppel
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B. Violation of policy conditions
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C. Rebating
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D. Waiver - Answer D. Waiver
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An innocent party relies on certain statements made by the adjuster and i
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s damaged as a
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result. The guilty party may be legally prohibited from asserting that the f
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act does not exist because of: A. Waiver
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B. Estoppel
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C. Duties of the adjuster
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D. Law of contract - Answer B. Estoppel
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Should an insured fail to report a claim in a timely fashion the adjuster will
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usually:
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A. Deny the claim.
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B. Send the insured a reservation of rights letter.
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C. Cease investigating.
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D. Seek the advice of the company's attorney. Answer B. Send the insure
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d a reservation of rights letter.
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A company adjuster primarily represents the interests of: A. The insured.
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B. The claimant.
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