Montana · Public Adjuster
Montana Public Adjuster - Exam Prep
The examination this course is built to
Public Adjuster, 50 scored questions, 60 minutes, administered by Pearson VUE
5
Sections
31
Lessons
450+
Practice questions
60 min
Exam time limit
What you'll learn
Every section below is aligned with the Montana content outline.
Section 1I. General Property Insurance Product Knowledge Pertinent to Public Adjusters10 lessons+
I. General Property Insurance Product Knowledge Pertinent to Public Adjusters
10 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
- Commercial Property: the BPP, Causes of Loss, and Business Income
- Building Codes, Code Enforcement, and Ordinance or Law Coverage
- Construction Related Endorsements: Roof ACV, Matching, Common Construction, Debris Removal
- Inland Marine: Personal Floaters and Commercial Floaters
- Flood Insurance: the NFIP Standard Flood Insurance Policy and Private Flood
- Builders Risk, Equipment Breakdown, and Crime Coverages
Section 2II. Property Policy Provisions and Contract Law4 lessons+
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 3III. Property Insurance Terms and Related Concepts3 lessons+
III. Property Insurance Terms and Related Concepts
3 lessons
- Insurable Interest, Indemnity, and Subrogation
- Valuation: ACV, Replacement Cost, Depreciation, and Coinsurance
- Negligence, Torts, and Legal Liability
Section 4IV. Public Adjuster6 lessons+
IV. Public Adjuster
6 lessons
- Duties of the Insured After a Loss
- First Notice of Loss, File Setup, and Loss Reserves
- Adjuster Reports, File Documentation, and Catastrophe Claim Practice
- 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
Section 5V. Montana Statutes and Rules Pertinent to Property Insurance and the Licensing of Public Adjusters8 lessons+
V. Montana Statutes and Rules Pertinent to Property Insurance and the Licensing of Public Adjusters
8 lessons
- The Montana Public Adjuster License: Definitions, Qualifications, and First-Party-Only Scope
- The $5,000 Bond, License Fees, and the License Lifecycle
- Continuing Education and the Commissioner's Powers
- The Filed Public Adjuster Contract and the 72-Hour Rule
- Standards of Conduct: Loyalty, Solicitation, and Salvage
- Unfair Claim Settlement Practices Under MCA 33-18-201
- Statutory Bad Faith: The 33-18-242 Independent Action, Safe Harbor, and Filing Windows
- Prompt Pay, Valued-Policy Rules, Appraisal Status, and the 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 Montana exam with confidence. Most students finish the course in 2-4 weeks of casual study.
FAQ
How long is the Montana Public Adjuster licensing exam?+
Montana administers this as the Public Adjuster, through Pearson VUE. It carries 50 scored questions with a 60-minute time limit. Montana does not publish a passing score for this examination, so treat the candidate handbook as the authority rather than any figure quoted elsewhere. The exam fee is $65.
How much does the Montana Public Adjuster exam cost and who administers it?+
Montana contracts the examination to Pearson VUE, and you register and pay through them rather than through this course. The published exam fee is $65 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 Montana Department of Insurance publishes the current schedule.
Does Montana require state-approved pre-licensing education?+
Montana does not require state-approved pre-licensing education for this line. You can study independently with this course and sit for the exam directly -- no separate PLE certificate is required.
How many practice questions does this course include?+
This course includes 450+ practice questions across section quizzes and a full-length 50-question final exam simulator that mirrors the real Montana 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 Montana exam?+
The practice questions are written to mirror the real Montana 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 Montana 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. Most students who fail on the first attempt pass on the second after a focused review of the weakest section.
Can I retake the Montana 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 Montana 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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Enroll once, keep access forever, pass your exam with confidence.
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