The Texas Insurance
Adjuster Exam Questions
and Complete Solutions
Graded A+
Denning [Date] [Course title]
, Insurance Adjuster - Answer: Any person who, as an independent contractor, or as an employee of an
independent contractor, adjustment bureau, association, insurance company or corporation, local
recording agent, managing general agent, or self-insured, investigates or adjusts losses on behalf of
either an insurer or a self insured, or any person who supervises the handling of claims.
Types of adjusters (Five) - Answer: staff adjusters, independent adjusters, contractors, public adjusters,
temporary/emergency licenses
Staff Adjusters - Answer: on the payroll of an insurance company and are paid a salary or the the hour
independent adjusters - Answer: usually handle claims for more than one company and receive a fee
based on time and expense. May be on the payroll of an independent adjusting firm and receive an
annual salary. Some are paid a percentage of the loss, and others are paid a per diem.
Contractors - Answer: may work for a company that furnishes adjusters for the handling of catastrophic
losses. Paid the same as independents.
Public Adjusters - Answer: work on the behalf of the insured in negotiating a claim settlement. Requires
another license.
Temporary/Emergency licenses - Answer: the Department allows temporary licenses for the purposes
of training and in cases of emergencies.
-catastrophe
-five-day notice, for training: firm or person requesting the emergency or temporary license is
responsible for the actions of the licensee.
Line of business adjuster licenses (Three) - Answer: adjuster-workers' compensation, Adjuster-property
and causality, Adjuster- all lines
Adjuster-workers' compensation - Answer: allows a person to adjust and/or supervise all workers'
compensation, employers liability, US Longshore and Harbor Workers' Compensation Act, Jones Act, and
all other federal acts.
Adjuster Exam Questions
and Complete Solutions
Graded A+
Denning [Date] [Course title]
, Insurance Adjuster - Answer: Any person who, as an independent contractor, or as an employee of an
independent contractor, adjustment bureau, association, insurance company or corporation, local
recording agent, managing general agent, or self-insured, investigates or adjusts losses on behalf of
either an insurer or a self insured, or any person who supervises the handling of claims.
Types of adjusters (Five) - Answer: staff adjusters, independent adjusters, contractors, public adjusters,
temporary/emergency licenses
Staff Adjusters - Answer: on the payroll of an insurance company and are paid a salary or the the hour
independent adjusters - Answer: usually handle claims for more than one company and receive a fee
based on time and expense. May be on the payroll of an independent adjusting firm and receive an
annual salary. Some are paid a percentage of the loss, and others are paid a per diem.
Contractors - Answer: may work for a company that furnishes adjusters for the handling of catastrophic
losses. Paid the same as independents.
Public Adjusters - Answer: work on the behalf of the insured in negotiating a claim settlement. Requires
another license.
Temporary/Emergency licenses - Answer: the Department allows temporary licenses for the purposes
of training and in cases of emergencies.
-catastrophe
-five-day notice, for training: firm or person requesting the emergency or temporary license is
responsible for the actions of the licensee.
Line of business adjuster licenses (Three) - Answer: adjuster-workers' compensation, Adjuster-property
and causality, Adjuster- all lines
Adjuster-workers' compensation - Answer: allows a person to adjust and/or supervise all workers'
compensation, employers liability, US Longshore and Harbor Workers' Compensation Act, Jones Act, and
all other federal acts.
