Page 1 of 207
ADJUSTER 2026/2027 EXAM REAL
QUESTIONS WITH WELL ELABORATED
ANSWERS (100% CORRECT VERIFIED
SOLUTIONS) LATEST UPDATED VERSION
GUARANTEED PASS A+| BRAND NEW!
1. An adjuster moves from Phoenix to Tucson. Under Arizona
law, how many days does the adjuster have to notify the
Arizona Department of Insurance (ADOI) of a change of
address?
A) 10 days
B) 15 days
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C) 30 days
D) 60 days
Answer: C) 30 days
Rationale: A.R.S. § 20-226 requires licensees to notify the
Director of any change of name, address, or residence within
30 days. Failure to do so can result in a civil penalty or
suspension.
2. A non-resident adjuster wants to work a catastrophe in
Arizona. They hold a valid license from Texas but have no AZ
license. How long may they work without an AZ license?
A) 15 days
B) 30 days
C) 45 days
D) Not at all; they need a reciprocal license immediately
Answer: D) Not at all; they need a reciprocal license
immediately (or a temporary resident license)
Rationale: Arizona does not have a "grace period" for non-
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residents. Unless they are a designated home state adjuster
under a reciprocal agreement (which requires applying first),
they cannot adjust. However, note: A.R.S. § 20-333 allows a
temporary license for catastrophe (up to 120 days) if applied
for, but working without any license is prohibited.
3. Scenario: Adjuster Jane is found guilty of felony fraud in
another state. Under Arizona law, how long must she wait to
apply for an adjuster license after completing her sentence?
A) 5 years
B) 10 years
C) 15 years
D) Never, if it involved dishonesty
Answer: D) Never, if it involved dishonesty
Rationale: A.R.S. § 20-222 states that the Director may refuse
to issue a license if the applicant has been convicted of a
felony involving dishonesty or breach of trust within the last 10
years, but federal law (Title 18 USC 1033) prohibits anyone
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convicted of a felony involving dishonesty from working in the
insurance industry without a written waiver from the state DOI.
4. Which of the following is an "Unfair Claims Settlement
Practice" specifically defined in A.R.S. § 20-461?
A) Offering a settlement higher than the policy limits
B) Failing to acknowledge claim communications within 10
business days
C) Requiring a sworn proof of loss within 90 days
D) Requesting an independent medical examination (IME)
Answer: B) Failing to acknowledge claim communications
within 10 business days
Rationale: A.R.S. § 20-461(3) states it is unfair to fail to
acknowledge and act reasonably promptly upon
communications. Standard is 10 business days for
acknowledgment. Option D is legal; Option A is illogical
(higher than limits is not an unfair practice, it's just bad
business).
ADJUSTER 2026/2027 EXAM REAL
QUESTIONS WITH WELL ELABORATED
ANSWERS (100% CORRECT VERIFIED
SOLUTIONS) LATEST UPDATED VERSION
GUARANTEED PASS A+| BRAND NEW!
1. An adjuster moves from Phoenix to Tucson. Under Arizona
law, how many days does the adjuster have to notify the
Arizona Department of Insurance (ADOI) of a change of
address?
A) 10 days
B) 15 days
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C) 30 days
D) 60 days
Answer: C) 30 days
Rationale: A.R.S. § 20-226 requires licensees to notify the
Director of any change of name, address, or residence within
30 days. Failure to do so can result in a civil penalty or
suspension.
2. A non-resident adjuster wants to work a catastrophe in
Arizona. They hold a valid license from Texas but have no AZ
license. How long may they work without an AZ license?
A) 15 days
B) 30 days
C) 45 days
D) Not at all; they need a reciprocal license immediately
Answer: D) Not at all; they need a reciprocal license
immediately (or a temporary resident license)
Rationale: Arizona does not have a "grace period" for non-
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residents. Unless they are a designated home state adjuster
under a reciprocal agreement (which requires applying first),
they cannot adjust. However, note: A.R.S. § 20-333 allows a
temporary license for catastrophe (up to 120 days) if applied
for, but working without any license is prohibited.
3. Scenario: Adjuster Jane is found guilty of felony fraud in
another state. Under Arizona law, how long must she wait to
apply for an adjuster license after completing her sentence?
A) 5 years
B) 10 years
C) 15 years
D) Never, if it involved dishonesty
Answer: D) Never, if it involved dishonesty
Rationale: A.R.S. § 20-222 states that the Director may refuse
to issue a license if the applicant has been convicted of a
felony involving dishonesty or breach of trust within the last 10
years, but federal law (Title 18 USC 1033) prohibits anyone
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convicted of a felony involving dishonesty from working in the
insurance industry without a written waiver from the state DOI.
4. Which of the following is an "Unfair Claims Settlement
Practice" specifically defined in A.R.S. § 20-461?
A) Offering a settlement higher than the policy limits
B) Failing to acknowledge claim communications within 10
business days
C) Requiring a sworn proof of loss within 90 days
D) Requesting an independent medical examination (IME)
Answer: B) Failing to acknowledge claim communications
within 10 business days
Rationale: A.R.S. § 20-461(3) states it is unfair to fail to
acknowledge and act reasonably promptly upon
communications. Standard is 10 business days for
acknowledgment. Option D is legal; Option A is illogical
(higher than limits is not an unfair practice, it's just bad
business).
