Colorado · Public Adjuster
Colorado Public Adjuster — Exam Prep
The examination this course is built to
Public Insurance Adjuster (14), 60 scored questions, 75 minutes, administered by Pearson VUE
4
Sections
41
Lessons
750+
Practice questions
75 min
Exam time limit
What you'll learn
Every section below is aligned with the Colorado content outline.
Section 1I. General Property Product Knowledge14 lessons+
I. General Property Product Knowledge
14 lessons
- Dwelling Forms: DP-1, DP-2, DP-3
- Homeowners Forms: HO-2 Through HO-8 and the Coverage A–F Backbone
- Homeowners Section I: Additional Coverages, Exclusions, Conditions, and Endorsements
- Condominium Coverage: HO-6, the Master Policy, and Loss Assessment
- Mobile and Manufactured Home Coverage
- Commercial Property: the BPP, Causes of Loss, and Business Income
- The Businessowners Policy (BOP): Property Side
- Flood Insurance: the NFIP Standard Flood Insurance Policy and Private Flood
- Inland Marine: Personal Floaters and Commercial Floaters
- Ocean Marine and Aviation Coverage
- Builders Risk, Equipment Breakdown, and Crime Coverages
- Personal Auto Policy Part D, Coverage for Damage to Your Auto
- Commercial Auto Physical Damage: Covered Auto Symbols, Section III, and Garagekeepers
- Total Losses and Salvage Handling
Section 2II. Insurance Terms and Related Concepts6 lessons+
II. Insurance Terms and Related Concepts
6 lessons
- Principles and Characteristics of the Insurance Contract
- How Policies Are Interpreted: Ambiguity, Burdens, and Construction Rules
- Types of Insurers and Types of Adjusters: Who Works for Whom
- Parts of an Insurance Policy
- Insurable Interest, Indemnity, and Subrogation
- Valuation: ACV, Replacement Cost, Depreciation, and Coinsurance
Section 3III. General Public Adjuster Practices, Responsibilities and Duties12 lessons+
III. General Public Adjuster Practices, Responsibilities and Duties
12 lessons
- The Role of the Adjuster: Public, Staff, and Independent
- Duties of the Insured After a Loss
- First Notice of Loss, File Setup, and Loss Reserves
- Investigation and Evidence: Inspection, Reports, and Statements
- Determining Applicable Coverage and the Burden of Proof
- Coverage Problems: Reservation of Rights, Nonwaiver, Waiver and Estoppel
- Scope of Loss and Estimating Methods: Line Item, Unit Cost, and Square Foot
- Depreciation, Salvage, and Determining the Amount of Loss
- Settlement Options, Releases, Payment and Discharge
- Supplements, Reinspection, and Reopening a Closed Claim
- Resolving Disputes: Negotiation, Appraisal, Mediation, Arbitration, and Litigation
- Adjuster Reports, File Documentation, and Catastrophe Claim Practice
Section 4IV. Colorado Laws and Regulations Pertinent to Public Adjusters9 lessons+
IV. Colorado Laws and Regulations Pertinent to Public Adjusters
9 lessons
- Becoming a Colorado Public Adjuster: the License Path
- The $20,000 Bond and Financial Responsibility: § 10-2-417(2)
- The Public Adjuster Contract and Required Disclosures: Reg 1-2-19 §5
- Fees, the Catastrophe 10% Cap, and Escrow: § 10-2-417(4)-(5)
- Rescission, Solicitation, and Standards of Conduct: § 10-2-417(6)
- Records, Continuing Education, License Maintenance, and Discipline
- Unfair Claims Settlement Practices: § 10-3-1104(1)(h) and § 10-3-1107
- The First-Party Bad-Faith Remedy: § 10-3-1115 and § 10-3-1116
- Colorado's Residual Markets: the Colorado FAIR Plan and the Colorado Insurance Guaranty Association
How it works
1
Enroll
One-time payment of $49.99. Secure checkout powered by Stripe.
2
Study on your schedule
Read the lesson library, take section quizzes, and work through the practice-question bank as many times as you need.
3
Pass the real exam
Take the official Colorado exam with confidence. Check the Colorado Department of Insurance for the exam and application steps.
FAQ
What does Colorado require to become a public adjuster?+
Colorado calls this the Resident Public Adjuster license. Bond: $20,000 signed surety bond from an insurance company (C.R.S. 10-2-417(2), Regulation 1-2-19), plus a power of attorney in the Regulation 1-2-19 format. Colorado does not license independent adjusters. Check the Colorado insurance department before you apply for anything not listed here.
How do I apply for a Colorado public adjuster license?+
Attach the bond and power of attorney electronically through Sircon after submitting your application. Check the Colorado insurance department before you apply for anything not listed here.
Do I need pre-licensing education to be a public adjuster in Colorado?+
This course does not replace any Colorado requirement. Check the Colorado insurance department before you apply for anything not listed here.
Where do these Colorado requirements come from?+
They were read from https://doi.colorado.gov/insurance-industry/for-producers/agents on 2026-09-30. Requirements change, so confirm them with the Colorado insurance department before you apply.
How much does the Colorado Public Adjuster exam cost and who administers it?+
Colorado contracts the examination to Pearson VUE, and you register and pay through them rather than through this course. The published exam fee is $41 per attempt. You are allotted 75 minutes. Fingerprinting, the licence application fee and any state pre-licensing requirement are separate from the exam fee; the Colorado Department of Insurance publishes the current schedule.
How many practice questions does this course include?+
This course includes 750+ practice questions across section quizzes and a full-length 60-question final exam simulator that mirrors the real Colorado Public Adjuster exam format. You can retake every quiz as many times as you want -- there is no cap.
Are the practice questions similar to the real Colorado exam?+
The practice questions are written to mirror the real Colorado Public Adjuster exam: the same four-option multiple-choice format, difficulty mix, and topic weighting taken from the state's published content outline, plus a full-length timed simulator matching the real question count. No legitimate provider sells the actual exam questions -- those are confidential -- but studying the same topics at the same weights in the same format is exactly what the exam vendors recommend.
Are the practice questions updated regularly?+
Yes. Question banks and lessons are maintained against each state's current law and the state's published exam content outline -- when a state changes a rule (minimum auto limits, notice periods, education requirements), the affected lessons and practice questions are updated at the source, and because the course is delivered online you always study the current version. Practice-test weighting follows the state's published outline rather than an even spread.
Can I study on my phone?+
Yes. The course works on any phone, tablet, or computer with a browser -- no installs or downloads required -- and your progress, quiz scores, and seat time sync automatically across devices. Materials stay online rather than as downloadable files so that every study session reflects the current version of the content; there is nothing stale sitting in a folder after a state changes its rules.
Can I fit this course around a full-time job?+
It is built for that. The course is fully self-paced with no schedules, live sessions, or deadlines: study in short sessions from your phone during a commute or lunch break, and pick up exactly where you left off on any device. The AI tutor points you to the sections your quiz results show you need most, so limited study time goes where it counts.
Does the course include AI tutoring?+
Yes -- every lesson page has a built-in AI tutor, included with the course at no extra cost. It can explain the current lesson in simpler terms, quiz you one question at a time, and tell you what to study next based on your actual quiz results. If you already use Claude or ChatGPT, you can also connect your own AI assistant to your course from your account page, so it can coach you using your real progress and practice questions.
How long do I have access to the course?+
Lifetime. After purchase you are enrolled immediately and can log in from any device -- laptop, tablet, or phone. Your progress syncs automatically and access never expires.
What if I fail the real Colorado exam?+
You can reschedule and retake the real exam through your state's testing vendor (typically Pearson VUE or PSI) -- you will pay the exam fee again. Your course access stays with you the whole time, so you can review the sections you missed and try again.
Can I retake the Colorado licensing exam if I fail?+
Every state lets you retake the licensing exam if you fail -- you re-register with the testing vendor (typically Pearson VUE or PSI) and pay the exam fee again. Most states allow unlimited attempts, though some impose a short waiting period between tries or after several failed attempts; the Colorado candidate handbook lists the exact rule. Inside the course, practice quizzes and the exam simulator are always unlimited.
Can I add another license line later?+
Yes. Insurance licenses are issued per line of authority, so you add a line -- for example adding Life to a Property and Casualty license -- by passing that line's exam through your state; your existing license is unaffected. Courses here are sold per line to match, so you can prepare for each new line the same way you prepared for the first.
Can I get a refund?+
Yes. Within 7 days of purchase and before you have completed more than 25% of the course or started the final exam, you can request a full refund. Email support@theelitecompany.com with your order number; refunds process to the original payment method within 5-10 business days.
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