Tx Claim Adjuster Pre- License Questions
with correct Answers 2025-2026 Already
Graded A+.
A friend of yours moves to Tx and wants to become an insurance adjuster and asks you " What
are the qualifications to be an adjuster ?" This person has completed her insurance designation
the CLU (certified life insurance underwriter) after passing several rigorous examinations while
living in Oklahoma. Which would NOT be the correct answer? - ANS-A person with a college
degree in Risk Management and Insurance is not required.
-must be 18 years of age
-resident of state
-have a driver's license
An insurance adjuster may NOT include which of the following types? - ANS-An attorney who
does this part of this jobs
One of the persons who works with you in your office has had an adjuster license that has been
expired for a period of more than 90 days but less than 12 months . He wants to know if he
needs to take another class and examination again. What is the amount of time that would
exempt him from re-examination. - ANS-The license has expired for a period of more than 90
days, but less than one year.
You are looking in your desk to get your license and wondered when it expires because you
have to renew it. You ask someone " How often do I have to renew my license ?" What is the
correct answer? - ANS-The second anniversary of the date
You ask your instructor how many hours the licensing class is designed to last. Also how many
minutes/hours are allowed to take the final examination . What are the correct answers? -
ANS-40 hours - 180 minutes
You are working for a fairly good sized adjusting firm and note the there a number of "new
adjuster" who are coming to work each month. Some of the people are adjuster losses, but you
know that they don't have a license and you had to "get your license" before you could adjust
claims . you asked your supervisor why this is happening ? What is the correct answer if done
correctly? - ANS-This person is being trained by a license adjuster and may for a period not
,exceed 12 months act as an adjuster without having an adjuster license if at the beginning of
such a trainee has been registered as such with the commissioner.
A tornado has hit Waco and a bunch of "storm troopers" come to Waco to begin to settle claim
there. There are several hundred of them are trying to settle the claims quickly as possible. You
find out that some of them don't even have a valid license to do this and get upset . They tell
you this it is no big deal and continue to handle the claims. Why do you think they say this (for a
correct answer)? - ANS-They have received an emergency license from the commissioner and
include persons who are residents of nonresidents of this state and who may or may not be
other wise licensed adjusters.
Referring to "Emergency Adjuster" who is responsible for their actions when they adjust claims?
- ANS-A Texas licensed adjuster or/and a company licensed to do business in Texas and has
an office here.
How many days does an insurance company have to notify the insurance commission of its
application to have claims adjusted by "Emergency Adjuster?" - ANS-5 days
You see a person that graduated from high school with your daughter come into your company's
office and indicate she wants to work as an adjuster. The is given an application to complete
and writes her age down as 18 years old. You hope she is "old enough to required minimum age
of a person who desires to have an adjuster's license? - ANS-18 years old
You have been swamped with work and have forgotten to get back in touch with one of the
claimants regarding an auto accidents and have not done the follow-up that is expected to you.
You hope that you are not going to be terminated, but then you worry about your license . You
have done a good job thus for however the claimant " turns you into the TDI" and your receive a
letter from them indicating that you were not acting according to your duty. What would be the
response from the TDI regarding the issue? - ANS-You are subject to the Unfair Claims and
Settlement Practice Act.
You are new on the job and trying to learn your duties . A some what complicated claim is given
to you to handle as all of the other adjusters are busy doing their regular work each day. Rather
than conducting a thorough investigating you simply tell the claimant ; " Here is what we are
willing to offer not knowing if ; you are right of wrong . You just hope that this will be acceptable
to everyone. You soon discover that you are in violation of what portion of the law ? -
ANS-Article 21.21
Failure of any insurer to maintain a complete record of all the complaints, which it has received
during the preceding ____year(s) or since the date of its last examination by the commissioner
whichever time is shorter is considered to be a part of the Unfair Claims Settlement Act. -
ANS-three years
, You want to issue a Reservation of right letter to an insured for lack of cooperation. How long do
you wait to do this according to the Texas Insurance Code? - ANS-Whatever is reasonable.
**You tell your insured that you have delayed continuation of payment on the auto collision claim
until you are able to have him release the insurer from further payment on medical injury portion
of the claim paying for the Personal Injury Protection coverage. You feel this is justified Can you
do this? - ANS-It is not justified - you cant do this
**When adjusting a first party claim the adjuster must keep in must in mind at all times that the
claimant and the insured are____. - ANS-The same and have a contractual relationship with
the company.
**During your investigations of this 3rd party liability claim have determine that the claim was
filed fraudulently and your insured was not liable for the damages. As the adjuster your primary
duty toward your insured in a liability claim is to; - ANS-Defend the insured against all claims
whether fraudulent, frivolous, or false.
**If a loss occurs with first party claim _____ and in the case of bodily injury ____, is broken. -
ANS-something, someone
**A tort is a ____ . - ANS-Civil wrong
**During a recent wind storm one of the trees in your insured's back yard has fallen into the
dwelling. Breaking a window and allowing water to enter the home. An excessive amount of
water proceeded to fill up the couch cushions causing the weight of the couch to become to
great for the floor supports of the living room. The couch fell through the floor and landed on top
of the water heater located in the basement bellow. The basement then became flooded due to
the burst pipes supplying the water heater. What was the proximate cause; of the loss in the
scenario ? - ANS-Wind
**The failure to exercise the degree of care required by law or custom is - ANS-Negligence
**In the news this week a local doctor and his staff was found guilty of negligence in a
malpractice lawsuit by the county judge. The judge decided due to the fact that during
re-examination of the patient. It was determination that during the patient recent appendectomy
the doctor had accidently left serval surgical tool inside of the patients chest cavity. The judge
ruled in favor of the patient primarily due to - ANS-Res Ipsa loquitur
Liability imposed upon one as a result of the negligence of another would be the definition of; -
ANS-Vicarious liability
Every year XYZ Insurance has their Annual Holiday Sales event at the company's headquarter.
The event draws large crowds of potential customers to the building in the hopes that they will
with correct Answers 2025-2026 Already
Graded A+.
A friend of yours moves to Tx and wants to become an insurance adjuster and asks you " What
are the qualifications to be an adjuster ?" This person has completed her insurance designation
the CLU (certified life insurance underwriter) after passing several rigorous examinations while
living in Oklahoma. Which would NOT be the correct answer? - ANS-A person with a college
degree in Risk Management and Insurance is not required.
-must be 18 years of age
-resident of state
-have a driver's license
An insurance adjuster may NOT include which of the following types? - ANS-An attorney who
does this part of this jobs
One of the persons who works with you in your office has had an adjuster license that has been
expired for a period of more than 90 days but less than 12 months . He wants to know if he
needs to take another class and examination again. What is the amount of time that would
exempt him from re-examination. - ANS-The license has expired for a period of more than 90
days, but less than one year.
You are looking in your desk to get your license and wondered when it expires because you
have to renew it. You ask someone " How often do I have to renew my license ?" What is the
correct answer? - ANS-The second anniversary of the date
You ask your instructor how many hours the licensing class is designed to last. Also how many
minutes/hours are allowed to take the final examination . What are the correct answers? -
ANS-40 hours - 180 minutes
You are working for a fairly good sized adjusting firm and note the there a number of "new
adjuster" who are coming to work each month. Some of the people are adjuster losses, but you
know that they don't have a license and you had to "get your license" before you could adjust
claims . you asked your supervisor why this is happening ? What is the correct answer if done
correctly? - ANS-This person is being trained by a license adjuster and may for a period not
,exceed 12 months act as an adjuster without having an adjuster license if at the beginning of
such a trainee has been registered as such with the commissioner.
A tornado has hit Waco and a bunch of "storm troopers" come to Waco to begin to settle claim
there. There are several hundred of them are trying to settle the claims quickly as possible. You
find out that some of them don't even have a valid license to do this and get upset . They tell
you this it is no big deal and continue to handle the claims. Why do you think they say this (for a
correct answer)? - ANS-They have received an emergency license from the commissioner and
include persons who are residents of nonresidents of this state and who may or may not be
other wise licensed adjusters.
Referring to "Emergency Adjuster" who is responsible for their actions when they adjust claims?
- ANS-A Texas licensed adjuster or/and a company licensed to do business in Texas and has
an office here.
How many days does an insurance company have to notify the insurance commission of its
application to have claims adjusted by "Emergency Adjuster?" - ANS-5 days
You see a person that graduated from high school with your daughter come into your company's
office and indicate she wants to work as an adjuster. The is given an application to complete
and writes her age down as 18 years old. You hope she is "old enough to required minimum age
of a person who desires to have an adjuster's license? - ANS-18 years old
You have been swamped with work and have forgotten to get back in touch with one of the
claimants regarding an auto accidents and have not done the follow-up that is expected to you.
You hope that you are not going to be terminated, but then you worry about your license . You
have done a good job thus for however the claimant " turns you into the TDI" and your receive a
letter from them indicating that you were not acting according to your duty. What would be the
response from the TDI regarding the issue? - ANS-You are subject to the Unfair Claims and
Settlement Practice Act.
You are new on the job and trying to learn your duties . A some what complicated claim is given
to you to handle as all of the other adjusters are busy doing their regular work each day. Rather
than conducting a thorough investigating you simply tell the claimant ; " Here is what we are
willing to offer not knowing if ; you are right of wrong . You just hope that this will be acceptable
to everyone. You soon discover that you are in violation of what portion of the law ? -
ANS-Article 21.21
Failure of any insurer to maintain a complete record of all the complaints, which it has received
during the preceding ____year(s) or since the date of its last examination by the commissioner
whichever time is shorter is considered to be a part of the Unfair Claims Settlement Act. -
ANS-three years
, You want to issue a Reservation of right letter to an insured for lack of cooperation. How long do
you wait to do this according to the Texas Insurance Code? - ANS-Whatever is reasonable.
**You tell your insured that you have delayed continuation of payment on the auto collision claim
until you are able to have him release the insurer from further payment on medical injury portion
of the claim paying for the Personal Injury Protection coverage. You feel this is justified Can you
do this? - ANS-It is not justified - you cant do this
**When adjusting a first party claim the adjuster must keep in must in mind at all times that the
claimant and the insured are____. - ANS-The same and have a contractual relationship with
the company.
**During your investigations of this 3rd party liability claim have determine that the claim was
filed fraudulently and your insured was not liable for the damages. As the adjuster your primary
duty toward your insured in a liability claim is to; - ANS-Defend the insured against all claims
whether fraudulent, frivolous, or false.
**If a loss occurs with first party claim _____ and in the case of bodily injury ____, is broken. -
ANS-something, someone
**A tort is a ____ . - ANS-Civil wrong
**During a recent wind storm one of the trees in your insured's back yard has fallen into the
dwelling. Breaking a window and allowing water to enter the home. An excessive amount of
water proceeded to fill up the couch cushions causing the weight of the couch to become to
great for the floor supports of the living room. The couch fell through the floor and landed on top
of the water heater located in the basement bellow. The basement then became flooded due to
the burst pipes supplying the water heater. What was the proximate cause; of the loss in the
scenario ? - ANS-Wind
**The failure to exercise the degree of care required by law or custom is - ANS-Negligence
**In the news this week a local doctor and his staff was found guilty of negligence in a
malpractice lawsuit by the county judge. The judge decided due to the fact that during
re-examination of the patient. It was determination that during the patient recent appendectomy
the doctor had accidently left serval surgical tool inside of the patients chest cavity. The judge
ruled in favor of the patient primarily due to - ANS-Res Ipsa loquitur
Liability imposed upon one as a result of the negligence of another would be the definition of; -
ANS-Vicarious liability
Every year XYZ Insurance has their Annual Holiday Sales event at the company's headquarter.
The event draws large crowds of potential customers to the building in the hopes that they will
