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Iowa · Public Adjuster

Iowa Public Adjuster — Exam Prep

The examination this course is built to

Public Adjusters (12-IA-20), 50 scored questions, 60 minutes, administered by Pearson VUE

6
Sections
38
Lessons
650+
Practice questions
60 min
Exam time limit

What you'll learn

Every section below is aligned with the Iowa content outline.

Section 1
I. General Property Insurance Product Knowledge Pertinent to Public Adjusters
11 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
Section 2
II. Property Policy Provisions and Contract Law
4 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
Section 3
III. Property Insurance Terms and Related Concepts
2 lessons
+
  • Insurable Interest, Indemnity, and Subrogation
  • Valuation: ACV, Replacement Cost, Depreciation, and Coinsurance
Section 4
IV. Public Adjuster
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 5
V. Insurance Terms Pertinent to Iowa
3 lessons
+
  • Unfair Claims Settlement Practices Under Iowa Code 507B.4(3)(j)
  • First-Party Bad Faith in Iowa: Dolan v. Aid Insurance Co. and the Fairly Debatable Defense
  • Putting It Together: Advocating with Iowa Law, License Discipline Under 522C.13, and the 2025 All-Adjuster Expansion
Section 6
VI. Iowa Statutes, Regulations, and Bulletins Pertinent to Property Insurance and the Licensing of Public Adjusters
6 lessons
+
  • Chapter 522C and the Definitions: Iowa's Licensing of Adjusters
  • Getting Licensed: Qualifications, the Exam, the NIPR Application, and Contract Pre-Approval
  • Financial Responsibility and the License Lifecycle: The $50,000 Bond, Its Alternatives, Fees, Renewal, and CE
  • The Contract Under 522C.10: Approved Forms, Required Contents, and the 15 and 10 Percent Fee Caps
  • Rescission, Refunds, and the Solicitation Rules: Chapter 555A, the 8 p.m. to 9 a.m. Ban, and the 72-Hour Catastrophe Window
  • Conduct and Fiduciary Duties Under 522C.11: Loyalty, Trust Accounts, Records, and the Penalty Regime

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 Iowa exam with confidence. Check the Iowa Department of Insurance for the exam and application steps.

FAQ

What does Iowa require to become a public adjuster?+
Iowa calls this the Public Adjuster license. Exam: Pearson exam. Results are valid for 90 days. Bond: Evidence of financial responsibility from an authorized surety. The page read does not state the amount. Continuing education: 24 credits including 2 ethics. Check the Iowa insurance department before you apply for anything not listed here.
How do I apply for a Iowa public adjuster license?+
NIPR application, with the public adjuster checklist, attestation and contract. Check the Iowa insurance department before you apply for anything not listed here.
Do I need pre-licensing education to be a public adjuster in Iowa?+
This course does not replace any Iowa requirement. Check the Iowa insurance department before you apply for anything not listed here.
Where do these Iowa requirements come from?+
They were read from https://iid.iowa.gov/regulated-individuals/insurance-producers-related-professionals/adjusters on 2026-09-30. Requirements change, so confirm them with the Iowa insurance department before you apply.
How much does the Iowa Public Adjuster exam cost and who administers it?+
Iowa contracts the examination to Pearson VUE, and you register and pay through them rather than through this course. The published exam fee is $44 per attempt. You are allotted 60 minutes. Fingerprinting, the licence application fee and any state pre-licensing requirement are separate from the exam fee; the Iowa Department of Insurance publishes the current schedule.
How many practice questions does this course include?+
This course includes 650+ practice questions across section quizzes and a full-length 50-question final exam simulator that mirrors the real Iowa 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 Iowa exam?+
The practice questions are written to mirror the real Iowa 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 Iowa 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 Iowa 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 Iowa 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.

Ready to start studying?

Enroll once, keep access forever, pass your exam with confidence.

$49.99 · 7-day money-back · Lifetime access