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Pennsylvania · Public Adjuster

Pennsylvania Public Adjuster — Exam Prep

The examination this course is built to

Public Insurance Adjuster (Series 16-19), 60 scored questions, 80 minutes, administered by PSI

10
Sections
39
Lessons
550+
Practice questions
70%
Passing score

What you'll learn

Every section below is aligned with the Pennsylvania content outline.

Section 1
I. Insurance Regulation
10 lessons
+
  • Becoming a Pennsylvania Public Adjuster — the License Path
  • The $20,000 Bond — 63 P.S. § 1604
  • The Contract, No Fee Cap, and the 3-Calendar-Day Cancellation — 63 P.S. § 1605 and 31 Pa. Code § 115.2/115.3
  • Solicitation — No Time Window and the Anti-Inducement Rule — 31 Pa. Code § 115.4
  • Conduct Limits and Records — First-Party Only, No PI/Auto, No Pre-Payment Repair — 63 P.S. § 1605(b)–(d)
  • Continuing Education, the Solicitor Sub-License, Renewal, and Discipline
  • The Unfair Insurance Practices Act — 40 P.S. § 1171 and the Public Adjuster's Exposure
  • Unfair Claims Settlement Practices — 31 Pa. Code Chapter 146 and Statutory Bad Faith
  • Pennsylvania's Residual Markets — the FAIR Plan and the Guaranty Association
  • Federal Laws for Adjusters: 18 USC 1033 and 1034, Privacy, and TRIA
Section 2
II. General Insurance Concepts
3 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
Section 3
III. Property and Casualty Insurance Basics
3 lessons
+
  • Parts of an Insurance Policy
  • Insurable Interest, Indemnity, and Subrogation
  • Valuation: ACV, Replacement Cost, Depreciation, and Coinsurance
Section 4
IV. Dwelling Policy Concepts
1 lesson
+
  • Dwelling Forms: DP-1, DP-2, DP-3
Section 5
V. Homeowners Policy Concepts
3 lessons
+
  • 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
Section 6
VI. Commercial Property Policies ('12)
2 lessons
+
  • Commercial Property: the BPP, Causes of Loss, and Business Income
  • Builders Risk, Equipment Breakdown, and Crime Coverages
Section 7
VII. Commercial Inland Marine
1 lesson
+
  • Inland Marine: Personal Floaters and Commercial Floaters
Section 8
VIII. Businessowners ('13) Policy - Property
1 lesson
+
  • The Businessowners Policy (BOP): Property Side
Section 9
IX. Other Types of Insurance Policies
3 lessons
+
  • Mobile and Manufactured Home Coverage
  • Flood Insurance: the NFIP Standard Flood Insurance Policy and Private Flood
  • Ocean Marine and Aviation Coverage
Section 10
X. Adjustment Process
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

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

FAQ

How long is the Pennsylvania Public Adjuster licensing exam?+
Pennsylvania administers this as the Public Insurance Adjuster (Series 16-19), through PSI. It carries 60 scored questions with a 80-minute time limit. The published passing score is 70%.
How much does the Pennsylvania Public Adjuster exam cost and who administers it?+
Pennsylvania contracts the examination to PSI, and you register and pay through them rather than through this course. You are allotted 80 minutes. Fingerprinting, the licence application fee and any state pre-licensing requirement are separate from the exam fee; the Pennsylvania Department of Insurance publishes the current schedule.
Does Pennsylvania require state-approved pre-licensing education?+
Pennsylvania 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 60-question final exam simulator that mirrors the real Pennsylvania 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 Pennsylvania exam?+
The practice questions are written to mirror the real Pennsylvania 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 Pennsylvania 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 Pennsylvania 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 Pennsylvania 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.

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