NH Insurance Laws and Regulations
2025/2026 LATEST UPDATE.
License Display - correct answerThe adjuster must exhibit his license to the an insured,
a claimant, a witness, a
potential witness or any other informant with whom he may deal in the course of
investigating
or adjusting any claim.
License Renewal - correct answerLicense will expire on October 1st of the second
calendar year after its issue.
Temporary Adjusters License - correct answerIn the event of an emergency, the
commissioner may issue a temporary license that is good for one year.
Continuing Education - correct answerEvery two years, 60 days before renewing their
license, an adjuster must must have completed 20 hours of Continuing Education.
Disciplinary Actions - correct answerCease and Desist Order
Suspension or Revocation
Penalties and Fines
Cease and Desist Order - correct answerthe Commissioner may issue and serve upon
that person a statement of the charges and a notice of a hearing to be held.
Notice must be given at least 10 days before the hearing date.
After the hearing, if the Commissioner finds the the adjuster's acts and practices to be in
violation of the law, he will issue a cease and desist order to stop the the method of the
adjusters competition, act or practice.
Penalty for Violating Cease and Desist Order - correct answerIf any person violates a
cease and desist
order issued by the Commissioner, he may suspend, revoke, or refuse to renew the
license of that person.
The Commissioner may also impose an administrative penalty of up to $2,500 for
each method of competition, act, or practice found to be in violation.
, Suspension or Revocation - correct answerAfter the hearing, the Commissioner may
suspend or revoke the adjuster's license or subject him to an administrative fine not to
exceed $2,500.
The aggrieved may appeal in accordance with state code.
Penalties and Fines - correct answerIf an adjuster misrepresents his identity he will
be guilty of a misdemeanor if a natural person, or guilty of a felony if any other person;
and
be subject to suspension or revocation of his license and a fine not to exceed $2,500 for
each violation.
Unfair Claim Settlement Practices by Insurers - correct answerMisrepresenting pertinent
facts related to coverage
Failing to acknowledge and act promptly when a claim arrises.
Failing to implement reasonable standards when promptly investigating a claim.
Failing to affirm or deny coverage within a reasonable time after proof of loss was
submitted.
Failure of an insurer to maintain a complete record of all complaints which it has
received, whether or not they were deemed valid
Knowingly underestimating the value of any claim by an insurer or by an adjuster
representing the insurer.
Adjustment and Payment of Loss - correct answerThe company shall begin the
adjustment of the loss within 15 days after receipt of notice of
loss. The amount of loss under a fire insurance policy shall be due and payable in 60
days
after receipt
Rebuilding - correct answerf the company decides to rebuild or repair the property
destroyed or injured, it shall begin to
do so within 20 days after adjusting the loss.
Neglect of Insurer - correct answerIf the company neglects to adjust the loss within 15
days after receiving notice of it, or to begin
to rebuild or repair the property destroyed or damaged within 20 days after the
adjustment of
the loss, the insured may proceed to rebuild or repair at the expense of the company,
2025/2026 LATEST UPDATE.
License Display - correct answerThe adjuster must exhibit his license to the an insured,
a claimant, a witness, a
potential witness or any other informant with whom he may deal in the course of
investigating
or adjusting any claim.
License Renewal - correct answerLicense will expire on October 1st of the second
calendar year after its issue.
Temporary Adjusters License - correct answerIn the event of an emergency, the
commissioner may issue a temporary license that is good for one year.
Continuing Education - correct answerEvery two years, 60 days before renewing their
license, an adjuster must must have completed 20 hours of Continuing Education.
Disciplinary Actions - correct answerCease and Desist Order
Suspension or Revocation
Penalties and Fines
Cease and Desist Order - correct answerthe Commissioner may issue and serve upon
that person a statement of the charges and a notice of a hearing to be held.
Notice must be given at least 10 days before the hearing date.
After the hearing, if the Commissioner finds the the adjuster's acts and practices to be in
violation of the law, he will issue a cease and desist order to stop the the method of the
adjusters competition, act or practice.
Penalty for Violating Cease and Desist Order - correct answerIf any person violates a
cease and desist
order issued by the Commissioner, he may suspend, revoke, or refuse to renew the
license of that person.
The Commissioner may also impose an administrative penalty of up to $2,500 for
each method of competition, act, or practice found to be in violation.
, Suspension or Revocation - correct answerAfter the hearing, the Commissioner may
suspend or revoke the adjuster's license or subject him to an administrative fine not to
exceed $2,500.
The aggrieved may appeal in accordance with state code.
Penalties and Fines - correct answerIf an adjuster misrepresents his identity he will
be guilty of a misdemeanor if a natural person, or guilty of a felony if any other person;
and
be subject to suspension or revocation of his license and a fine not to exceed $2,500 for
each violation.
Unfair Claim Settlement Practices by Insurers - correct answerMisrepresenting pertinent
facts related to coverage
Failing to acknowledge and act promptly when a claim arrises.
Failing to implement reasonable standards when promptly investigating a claim.
Failing to affirm or deny coverage within a reasonable time after proof of loss was
submitted.
Failure of an insurer to maintain a complete record of all complaints which it has
received, whether or not they were deemed valid
Knowingly underestimating the value of any claim by an insurer or by an adjuster
representing the insurer.
Adjustment and Payment of Loss - correct answerThe company shall begin the
adjustment of the loss within 15 days after receipt of notice of
loss. The amount of loss under a fire insurance policy shall be due and payable in 60
days
after receipt
Rebuilding - correct answerf the company decides to rebuild or repair the property
destroyed or injured, it shall begin to
do so within 20 days after adjusting the loss.
Neglect of Insurer - correct answerIf the company neglects to adjust the loss within 15
days after receiving notice of it, or to begin
to rebuild or repair the property destroyed or damaged within 20 days after the
adjustment of
the loss, the insured may proceed to rebuild or repair at the expense of the company,
