Texas · Public Adjuster
Texas Public Adjuster — Exam Prep
The examination this course is built to
Public Insurance Adjuster (InsTX-PbAdj17), 100 scored questions, 120 minutes, administered by Pearson VUE
4
Sections
62
Lessons
1950+
Practice questions
120 min
Exam time limit
What you'll learn
Every section below is aligned with the Texas content outline.
Section 1I. General Property Insurance Product Knowledge Pertinent to Public Insurance Adjusters9 lessons+
I. General Property Insurance Product Knowledge Pertinent to Public Insurance Adjusters
9 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
- 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
- Property Form Deep-Dive: Named Peril vs Open Peril, Advocating for Inclusion
Section 2II. Insurance Terms and Related Concepts11 lessons+
II. Insurance Terms and Related Concepts
11 lessons
- Insurable Interest, Indemnity, Subrogation
- Coinsurance, Pro Rata vs Excess, Occurrence vs Claims-Made
- Contract Interpretation: Ambiguity, Reasonable Expectations, Adhesion
- 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
- 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 3III. Policy Provisions4 lessons+
III. Policy Provisions
4 lessons
- Parts of an Insurance Policy
- Reading the Declarations Page: Coverage Limits, Deductibles, Endorsements
- Preparing the Proof of Loss: Required Content, Supporting Documentation
- Appraisal Process: Invoking and Participating in Appraisal Under TX Forms
Section 4IV. Texas Statutes and Rules Pertinent to Public Insurance Adjusting38 lessons+
IV. Texas Statutes and Rules Pertinent to Public Insurance Adjusting
38 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
- Adjuster License Types & Qualifications
- Application Process & Fingerprinting
- License Maintenance, CE Requirements & Renewals
- License Discipline, Suspension & Revocation
- Chapter 4102 Scope and Definitions: Who is a Public Adjuster
- Public Insurance Adjuster Licensing: Qualifications, the Mandatory Exam, Fingerprinting
- Financial Responsibility: Surety Bond or Professional Liability Coverage
- Mandatory Written Contract with the Insured: §4102.103
- Cancellation Right and Cooling-Off Period
- Fee Caps, Permitted Billing Models, and Handling of Proceeds
- Solicitation Restrictions: Natural-Disaster and Time-of-Day Limits
- Prohibited Acts and Grounds for Discipline
- Record-Keeping and Reporting Obligations
- 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
- 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
- Damage Assessment: Scope, Measurement, Documentation from the Insured's Lens
- Contents Claims: Inventory Methodology, High-Value Items, Depreciation
- Applying Prompt Pay and Weather Reform Statutes to Claim Disputes
- 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
- 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
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 Texas exam with confidence. Check the Texas Department of Insurance for the exam and application steps.
FAQ
What does Texas require to become a public adjuster?+
Texas calls this the Public Adjuster license. Exam: State exam. Texas has no course waiver for the public adjuster exam. Bond: $10,000 surety bond on TDI Form FIN509. Fingerprints: A fingerprint receipt is required, including for nonresidents. Fees: $50 through Sircon. Contract rules are in 28 TAC 19.701, 19.708 and 19.713. Check the Texas insurance department before you apply for anything not listed here.
How do I apply for a Texas public adjuster license?+
Application through Sircon. Check the Texas insurance department before you apply for anything not listed here.
Do I need pre-licensing education to be a public adjuster in Texas?+
This course does not replace any Texas requirement. Check the Texas insurance department before you apply for anything not listed here.
Where do these Texas requirements come from?+
They were read from https://www.tdi.texas.gov (TDI public insurance adjuster licensing page and candidate handbook) on 2026-09-30. Requirements change, so confirm them with the Texas insurance department before you apply.
How much does the Texas Public Adjuster exam cost and who administers it?+
Texas contracts the examination to Pearson VUE, and you register and pay through them rather than through this course. The published exam fee is $39 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 Texas Department of Insurance publishes the current schedule.
How many practice questions does this course include?+
This course includes 1950+ practice questions across section quizzes and a full-length 100-question final exam simulator that mirrors the real Texas 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 Texas exam?+
The practice questions are written to mirror the real Texas 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 Texas 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.
Can I retake the Texas 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 Texas 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.
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