· adjuster_public
Texas Public Adjuster — Exam Prep
13
Sections
65
Lessons
500+
Practice questions
70%
Passing score
What you'll learn
Every section below is aligned with the content outline.
Section 1I. Texas Insurance Law Fundamentals4 lessons+
I. Texas Insurance Law Fundamentals
4 lessons
- Texas Insurance Code Structure & TDI Authority
- Texas Administrative Code Title 28 Overview
- TDI Commissioner Powers & Departmental Investigations
- Texas Insurance Code Ch. 4001 — General Producer/Adjuster Provisions
Section 2II. Adjuster Licensing4 lessons+
II. Adjuster Licensing
4 lessons
- Adjuster License Types & Qualifications
- Application Process & Fingerprinting
- License Maintenance, CE Requirements & Renewals
- License Discipline, Suspension & Revocation
Section 3III. Adjuster Conduct & Ethics4 lessons+
III. Adjuster Conduct & Ethics
4 lessons
- Adjuster's Role, Authority, and Fiduciary Duty
- Texas Unfair Claim Settlement Practices Act — Tex. Ins. Code Ch. 542
- Prohibited Conduct under Ch. 4101.151 and 28 TAC §19.602
- Texas Deceptive Trade Practices Act and Bad-Faith Standards
Section 4IV. Insurance Contract Fundamentals4 lessons+
IV. Insurance Contract Fundamentals
4 lessons
- Parts of an Insurance Policy
- Insurable Interest, Indemnity, Subrogation
- Coinsurance, Pro Rata vs Excess, Occurrence vs Claims-Made
- Contract Interpretation — Ambiguity, Reasonable Expectations, Adhesion
Section 5V. Claims Investigation Process4 lessons+
V. Claims Investigation Process
4 lessons
- First Notice of Loss, Initial Contact, and Reservation of Rights
- Scene Investigation, Documentation, Photography, and Diagramming
- Witness Interviews, Recorded Statements, and Examination Under Oath
- Causation, Subrogation Investigation, and Salvage
Section 6VI. Property Insurance Concepts4 lessons+
VI. Property Insurance Concepts
4 lessons
- Homeowners and Dwelling Forms — HO and DP Series
- Commercial Property — BPP, Building Coverage, Causes of Loss, and Business Income
- Specialty Property — Inland Marine, Flood, Earthquake, Mobile Home, Builders Risk, Equipment Breakdown
- Valuation Methods — ACV, RCV, Functional Replacement, Stated Value, Agreed Value, Coinsurance
Section 7VII. Casualty Insurance Concepts4 lessons+
VII. Casualty Insurance Concepts
4 lessons
- Liability Theory — Negligence, Strict Liability, and Vicarious Liability
- Texas Personal Auto Policy — Coverages, UM/UIM, PIP, Financial Responsibility
- Commercial General Liability — Occurrence vs. Claims-Made, Coverages A/B/C, Exclusions, Additional Insureds
- Umbrella & Excess, Professional Liability (E&O, D&O), and Cyber Liability
Section 8VIII. Damages, Evaluation, and Settlement4 lessons+
VIII. Damages, Evaluation, and Settlement
4 lessons
- Scope of Damages — Property, Bodily Injury, Special, General, and Future
- Estimating Methods — Xactimate, Symbility, Unit-Cost, and Replacement Cost
- Depreciation, Salvage Value, Betterment, and Code-Upgrade Coverage
- Settlement Negotiation — Anchoring, BATNA, Structured Settlements, Releases, and the Stowers Doctrine
Section 9IX. Fraud Detection & Reporting4 lessons+
IX. Fraud Detection & Reporting
4 lessons
- Insurance Fraud Defined — Soft, Hard, Opportunity, and Organized
- Fraud Red Flags by Line of Business
- Fraud Investigation Techniques — Statements, Records, and SIU Referrals
- Mandatory Reporting, NICB, and the Criminal Interface
Section 10X. Texas Statutes & Regulations Cross-Reference4 lessons+
X. Texas Statutes & Regulations Cross-Reference
4 lessons
- Texas Insurance Code Title 4 — Regulation of the Insurance Industry
- Texas Insurance Code Title 5 — Protection of Consumer Interests
- Texas Administrative Code Title 28 — Insurance Regulations Cross-Reference
- Federal Law Interfaces Affecting Texas Adjusters
Section 11XI. Chapter 4102 — Texas Public Adjuster Statutory Framework10 lessons+
XI. Chapter 4102 — Texas Public Adjuster Statutory Framework
10 lessons
- Chapter 4102 Scope and Definitions — Who is a Public Adjuster
- Public Adjuster Licensing — Qualifications, Exam, Fingerprinting
- The $10,000 Surety Bond Requirement and Bond Claims
- Mandatory Written Contract with the Insured — §4102.104 Content Requirements
- Cancellation Right and Cooling-Off Period
- Fee Caps, Permitted Billing Models, and Escrow Handling
- Solicitation Restrictions — Including the 72-Hour Post-Loss Contact Rule
- Prohibited Acts and Grounds for Discipline
- Record-Keeping and Reporting Obligations
- Record-Keeping and Reporting Obligations
Section 12XII. Representing the Insured — Ethics and Practice7 lessons+
XII. Representing the Insured — Ethics and Practice
7 lessons
- Fiduciary Duty to the Insured — What It Means in Practice
- Scope of Representation — What the Public Adjuster Can and Cannot Do
- Conflicts of Interest — Prohibited Relationships with Contractors, Attorneys, Insurers
- Unauthorized Practice of Law — Public Adjuster vs Attorney Boundary
- Communicating with the Insurer and Its Adjusters Once Retained
- Ethical Case Studies — Boundary-Testing Scenarios
- Ethical Case Studies — Boundary-Testing Scenarios
Section 13XIII. Claim Valuation and Proof of Loss from the Insured's Side8 lessons+
XIII. Claim Valuation and Proof of Loss from the Insured's Side
8 lessons
- Reading the Declarations Page — Coverage Limits, Deductibles, Endorsements
- Property Form Deep-Dive — Named Peril vs Open Peril, Advocating for Inclusion
- Damage Assessment — Scope, Measurement, Documentation from the Insured's Lens
- Preparing the Proof of Loss — Required Content, Supporting Documentation
- Contents Claims — Inventory Methodology, High-Value Items, Depreciation
- Appraisal Process — Invoking and Participating in Appraisal Under TX Forms
- Applying Prompt Pay and Weather Reform Statutes to Claim Disputes
- Applying Prompt Pay and Weather Reform Statutes to Claim Disputes
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 exam with confidence. Most students finish the course in 2-4 weeks of casual study.
FAQ
How long is the adjuster_public licensing exam?+
The adjuster_public licensing exam typically runs 100 scored questions. You will have roughly 2-2.5 hours of seat time at the test center, and a passing score is 70%.
Does require state-approved pre-licensing education?+
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 500+ practice questions across section quizzes and a full-length 100-question final exam simulator that mirrors the real adjuster_public exam format. You can retake every quiz as many times as you want -- there is no cap.
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 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 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.
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