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Tennessee · Public Adjuster

Tennessee Public Adjuster — Exam Prep

The examination this course is built to

Public Adjuster, 50 scored questions, 60 minutes, administered by Pearson VUE

4
Sections
38
Lessons
550+
Practice questions
60 min
Exam time limit

What you'll learn

Every section below is aligned with the Tennessee content outline.

Section 1
I. Tennessee Laws and Regulations Pertinent to Public Adjusters
9 lessons
+
  • Becoming a Tennessee Public Adjuster: The Definition, the License, and the Application Path
  • Financial Responsibility: The $50,000 Bond, the $500,000 E&O Policy, and Business Entity Licensing
  • The License Lifecycle: Renewal, Reinstatement, Continuing Education, and the Tennessee Public Adjuster Exam
  • Public Adjuster Fee Caps Under T.C.A. 56-6-913: 15 Percent, 25 Percent, and the Catastrophe 10 Percent
  • The Public Adjuster Contract Under T.C.A. 56-6-914: Required Contents, Disclosures, the 72-Hour Rule, and Rescission
  • Ethics and Conduct: Escrow, Five-Year Records, Solicitation Clocks, and Conflicts Under T.C.A. 56-6-915 to 917
  • Tennessee Bad Faith: The 60-Day Demand and the 25 Percent Penalty Under T.C.A. 56-7-105
  • The Unfair Trade Practices and Unfair Claims Settlement Act of 2009: T.C.A. 56-8-105 and the 15-Day Claim-Forms Rule
  • Claims Deadlines Under Rule 0780-01-05: The 30-60-60-30 Framework and How a Public Adjuster Uses It
Section 2
II. General Property Insurance Product Knowledge
23 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
  • 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. Property and Casualty Insurance Terms and Concepts
3 lessons
+
  • Parts of an Insurance Policy
  • Insurable Interest, Indemnity, and Subrogation
  • Valuation: ACV, Replacement Cost, Depreciation, and Coinsurance
Section 4
IV. Property and Casualty Policy Provisions
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

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

Student reviews

5 out of 5 · 1 student review

★★★★★

Yes
Greg L. · Verified student ·

FAQ

How long is the Tennessee Public Adjuster licensing exam?+
Tennessee administers this as the Public Adjuster, through Pearson VUE. It carries 50 scored questions with a 60-minute time limit. Tennessee 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 $50.
How much does the Tennessee Public Adjuster exam cost and who administers it?+
Tennessee contracts the examination to Pearson VUE, and you register and pay through them rather than through this course. The published exam fee is $50 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 Tennessee Department of Insurance publishes the current schedule.
Does Tennessee require state-approved pre-licensing education?+
Tennessee 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 50-question final exam simulator that mirrors the real Tennessee 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 Tennessee exam?+
The practice questions are written to mirror the real Tennessee 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 Tennessee 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 Tennessee 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 Tennessee 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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