Insurance Adjuster practice questions and answers 2026. Tap an option to test yourself — you'll see the correct answer and a plain-English explanation for every question. Free, no login.
Q21A 'first-party claim' is one in which:
✓ Correct answer: A. The insured seeks payment from its own insurer for its own loss
First-party claims are the insured's own losses (e.g., fire damage to the insured's home) paid under the insured's policy.
Topic: Claims Handling Process
Q22Preparing a 'scope of loss' means the adjuster is:
✓ Correct answer: B. Identifying and listing all damaged items and required repairs
A scope documents the full extent of damage and repairs needed, forming the basis for an accurate estimate.
Topic: Claims Handling Process
Q23If an insured refuses to submit to a reasonable examination under oath required by the policy, the insurer may:
✓ Correct answer: D. Deny the claim for breach of the cooperation/EUO condition
Examinations under oath and cooperation are policy conditions; an unjustified refusal can be grounds to deny because it impedes investigation.
Topic: Claims Handling Process
Q24Adjusters deployed after a hurricane to handle a surge of claims are commonly called:
✓ Correct answer: B. Catastrophe (CAT) adjusters
CAT adjusters are mobilized to disaster areas to handle large volumes of claims following catastrophic events.
Topic: Claims Handling Process
Q25A proper claim denial letter should:
✓ Correct answer: A. State the specific policy language and reasons supporting the denial
Fair claims practices require denials in writing that cite the specific policy provisions and factual basis so the insured can respond.
Topic: Claims Handling Process
Q26A closed claim may generally be reopened when:
✓ Correct answer: D. New information or additional damage relevant to the loss is discovered
Claims can be reopened if material new facts or supplemental damages arise that were not addressed in the original settlement.
Topic: Claims Handling Process
Q27A 'desk adjuster' differs from a 'field adjuster' mainly because the desk adjuster:
✓ Correct answer: B. Handles claims remotely without on-site inspections
Desk (inside) adjusters manage claims by phone, email, and documentation, while field adjusters physically inspect losses.
Topic: Claims Handling Process
Q28Effective claim negotiation is grounded primarily in:
✓ Correct answer: D. Documented facts, coverage, and a fair valuation of the loss
Fair negotiation rests on the investigated facts, the policy terms, and an objective loss valuation, not pressure tactics.
Topic: Claims Handling Process
Q29A 'statute of limitations' relevant to claims sets:
✓ Correct answer: B. The deadline within which a lawsuit on the claim must be filed
Statutes of limitations bar legal actions filed after a set period; adjusters track them because they affect litigation exposure and subrogation.
Topic: Claims Handling Process
Q30Late notice of a loss may jeopardize coverage primarily when the delay:
✓ Correct answer: A. Materially prejudices the insurer's ability to investigate
Many jurisdictions excuse late notice unless the insurer shows it was actually prejudiced in investigating or defending the claim.
Topic: Claims Handling Process
Use the free Insurance Adjuster Prep sample, download the PDF, then unlock web-based timed mock exams for a full exam rehearsal.
Theory