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Ohio · Public Adjuster

Ohio Public Adjuster — Exam Prep

The examination this course is built to

Ohio Public Adjuster (Series 11-38), 100 scored questions, 120 minutes, administered by PSI

6
Sections
32
Lessons
550+
Practice questions
70%
Passing score

What you'll learn

Every section below is aligned with the Ohio content outline.

Section 1
I. General Property Insurance Product Knowledge
9 lessons
+
  • Principles and Characteristics of the Insurance Contract
  • Parts of an Insurance Policy
  • Insurable Interest, Indemnity, and Subrogation
  • Valuation: ACV, Replacement Cost, Depreciation, and Coinsurance
  • How Policies Are Interpreted: Ambiguity, Burdens, and Construction Rules
  • Types of Insurers and Types of Adjusters: Who Works for Whom
  • The Claims Process: FNOL, Investigation, Scope, Documentation, and Reserves
  • Estimating Methods: Line-Item, Unit Cost, and Square Foot
  • Claim Negotiation and Settlement Practices
Section 2
II. Property Insurance Policies
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 3
III. Motor Vehicle Physical Damage and Mechanical Breakdown Insurance
3 lessons
+
  • 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 4
IV. Ohio Residual Markets
1 lesson
+
  • Ohio's Residual Markets — the Ohio FAIR Plan and the Ohio Insurance Guaranty Association
Section 5
V. Ohio Claims Law
2 lessons
+
  • Ohio's Unfair Claims Practices Framework — ORC 3901.19–3901.26
  • Insurer Claim-Handling Deadlines and Standards — OAC 3901-1-54
Section 6
VI. Ohio Laws and Regulations Pertinent to Public Insurance Adjusters
6 lessons
+
  • Becoming an Ohio Public Insurance Adjuster — the License Path
  • The $1,000 Bond and the Certificate of Authority — ORC 3951.06(D)
  • Ohio's Minimal Fee and Contract Framework — No Fee Cap, No Cancellation Window
  • Solicitation Restrictions and Prohibited Conduct — OAC 3901-1-24(C) and ORC 3951.07–3951.08
  • Records, Annual Renewal, No CE, and Discipline
  • Two Ohio Credentials — Public Insurance Adjuster vs. Public Insurance Adjuster Agent

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 Ohio exam with confidence. Most students finish the course in 2-4 weeks of casual study.

FAQ

How long is the Ohio Public Adjuster licensing exam?+
Ohio administers this as the Ohio Public Adjuster (Series 11-38), through PSI. It carries 100 scored questions with a 120-minute time limit. The published passing score is 70%. The exam fee is $49.
How much does the Ohio Public Adjuster exam cost and who administers it?+
Ohio contracts the examination to PSI, and you register and pay through them rather than through this course. The published exam fee is $49 per attempt. You are allotted 120 minutes. Fingerprinting, the licence application fee and any state pre-licensing requirement are separate from the exam fee; the Ohio Department of Insurance publishes the current schedule.
Does Ohio require state-approved pre-licensing education?+
Ohio 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 550+ practice questions across section quizzes and a full-length 100-question final exam simulator that mirrors the real Ohio 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 Ohio exam?+
The practice questions are written to mirror the real Ohio 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 Ohio 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 Ohio 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 Ohio 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