WV Claims Adjuster Licensing Exam
2025 Questions and Answers
Adjuster - ANSWER-any individual who, for compensation, investigates and
settles claims arising under property, casualty, or surety insurance contracts on
behalf of either the insurer or insured.
When does Temporary Total Disability (TTD) Begin? (timeframe) - ANSWER-4th
calendar day of disability. If disability continues for more than 7 days, then
compensation for the first 3 days becomes payable.
How long can you take to respond to request for medical treatment, medications,
appliances, devices and supplies? (timeframe) - ANSWER-15 working days
How long can it take to get payment of Temporary Total Disability (TTD) upon
receipt of medical certification? (timeframe) - ANSWER-15 working days
How long can you take to determine compensability for injuries and occupational
diseases? (timeframe) - ANSWER-15 working days
How long can it take to receive payment of Permanent Partial Disability (PPD) and
NAP within 15 working days of entry of award or eligibility? (timeframe) -
ANSWER-15 working days
COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 1
,How long can there be an allowance of additional injury condition? (timeframe) -
ANSWER-15 working days
How long do you have to respond to a request for a claim reopening? (timeframe)
- ANSWER-30 calendar days
How long do you have to respond to OOJ/BOR/Supreme Court orders (unless
otherwise noted in order)? (timeframe) - ANSWER-30 calendar days
How long do you have to respond to request for an Independent Medical Exam
(IME) referral? - ANSWER-30 working days
How long do you have to enter PPD award 30 working days from receipt of IME
report or OOJ/BOR/Supreme Court order (timeframe) - ANSWER-30 working
days
How long do you have to determine compensability (occupational pneumoconiosis
claims) ? (timeframe) - ANSWER-90 calendar days
Company adjuster - ANSWER-an adjuster representing the interests of the insurer
Crop adjuster - ANSWER-a person who adjusts crop insurance claims under the
federal crop insurance program administered by the US Department of Agriculture
(applicant must pass a written examination)
Emergency adjuster - ANSWER-a person who is authorized by the Commissioner
to perform adjusting activities in WV
COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 2
, Insurance emergency - ANSWER-a temporary situation declared by the
Commissioner when he or she finds that there is an inadequate number of licensed
adjusters to meet the demands of the public
"Standards of Conduct" - ANSWER-an adjuster may not give legal advice and may
not deal directly with any policy holder or claimant who is represented by legal
counsel without the consent of the legal counsel involved. An adjuster may not
have any financial interest w/o first receiving written authority from the principal
"Conflict Prohibited" - ANSWER-"you can be licensed in more than one thing at
the same time, but you may not act as an adjuster for more than one thing for the
same claim"
Reasons you might have "License Exemption" - ANSWER-1) a person employed
only to obtain facts around a claim or provide technical assistance/
2)a person employed to investigate fraud who does not adjust or determine
payments
3)A person who solely performs clerical duties who does not adjust
4)A person who adjusts life, accident and sickness, annuity or disability claims
5)A person who adjust claims for licensed farmers' mutual fire insurance
companies
6) a licensed insurance producer or attorney who has authority granted by the
insurer
COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 3
2025 Questions and Answers
Adjuster - ANSWER-any individual who, for compensation, investigates and
settles claims arising under property, casualty, or surety insurance contracts on
behalf of either the insurer or insured.
When does Temporary Total Disability (TTD) Begin? (timeframe) - ANSWER-4th
calendar day of disability. If disability continues for more than 7 days, then
compensation for the first 3 days becomes payable.
How long can you take to respond to request for medical treatment, medications,
appliances, devices and supplies? (timeframe) - ANSWER-15 working days
How long can it take to get payment of Temporary Total Disability (TTD) upon
receipt of medical certification? (timeframe) - ANSWER-15 working days
How long can you take to determine compensability for injuries and occupational
diseases? (timeframe) - ANSWER-15 working days
How long can it take to receive payment of Permanent Partial Disability (PPD) and
NAP within 15 working days of entry of award or eligibility? (timeframe) -
ANSWER-15 working days
COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 1
,How long can there be an allowance of additional injury condition? (timeframe) -
ANSWER-15 working days
How long do you have to respond to a request for a claim reopening? (timeframe)
- ANSWER-30 calendar days
How long do you have to respond to OOJ/BOR/Supreme Court orders (unless
otherwise noted in order)? (timeframe) - ANSWER-30 calendar days
How long do you have to respond to request for an Independent Medical Exam
(IME) referral? - ANSWER-30 working days
How long do you have to enter PPD award 30 working days from receipt of IME
report or OOJ/BOR/Supreme Court order (timeframe) - ANSWER-30 working
days
How long do you have to determine compensability (occupational pneumoconiosis
claims) ? (timeframe) - ANSWER-90 calendar days
Company adjuster - ANSWER-an adjuster representing the interests of the insurer
Crop adjuster - ANSWER-a person who adjusts crop insurance claims under the
federal crop insurance program administered by the US Department of Agriculture
(applicant must pass a written examination)
Emergency adjuster - ANSWER-a person who is authorized by the Commissioner
to perform adjusting activities in WV
COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 2
, Insurance emergency - ANSWER-a temporary situation declared by the
Commissioner when he or she finds that there is an inadequate number of licensed
adjusters to meet the demands of the public
"Standards of Conduct" - ANSWER-an adjuster may not give legal advice and may
not deal directly with any policy holder or claimant who is represented by legal
counsel without the consent of the legal counsel involved. An adjuster may not
have any financial interest w/o first receiving written authority from the principal
"Conflict Prohibited" - ANSWER-"you can be licensed in more than one thing at
the same time, but you may not act as an adjuster for more than one thing for the
same claim"
Reasons you might have "License Exemption" - ANSWER-1) a person employed
only to obtain facts around a claim or provide technical assistance/
2)a person employed to investigate fraud who does not adjust or determine
payments
3)A person who solely performs clerical duties who does not adjust
4)A person who adjusts life, accident and sickness, annuity or disability claims
5)A person who adjust claims for licensed farmers' mutual fire insurance
companies
6) a licensed insurance producer or attorney who has authority granted by the
insurer
COPYRIGHT ©️ 2025 ALL RIGHTS RESERVED...TRUSTED & VERIFIED 3
