Washington · Public Adjuster
Washington Public Adjuster — Exam Prep
12
Sections
49
Lessons
650+
Practice questions
What you'll learn
Every section below is aligned with the Washington content outline.
Section 11. Laws and Regulations2 lessons+
1. Laws and Regulations
2 lessons
- Federal Laws for Adjusters: 18 USC 1033 and 1034, Privacy, and TRIA
- Flood Insurance: the NFIP Standard Flood Insurance Policy and Private Flood
Section 22. Washington Laws, Rules and Regulations9 lessons+
2. Washington Laws, Rules and Regulations
9 lessons
- Becoming a Washington Public Adjuster — Licensing and the Public-Adjuster Definition
- Fingerprints, the Background Check, and the $5,000 Public Adjuster Bond — RCW 48.17.380 and RCW 48.17.430
- Washington's Limited Public-Adjuster Framework — No Fee Cap, No Contract Statute, No Rescission Window, No Solicitation-Timing Rule
- The Public Adjuster's Duty to the Insured, Records, and Responding to the OIC — RCW 48.17.470, .475, and .490
- Fees, Continuing Education, Discipline, and License Maintenance — RCW 48.14.010, 48.17.150, .530, and .560
- The Insurance Fair Conduct Act (IFCA) — RCW 48.30.015
- Unfair Claims Settlement Practices — RCW 48.30.010 and Chapter 284-30 WAC
- General Market-Conduct Prohibitions — Rebating, Illegal Inducements, and Twisting (RCW 48.30)
- Washington's Residual Markets — the Washington FAIR Plan and the Washington Insurance Guaranty Association
Section 33. General Insurance Concepts3 lessons+
3. 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 44. Property and Casualty Insurance Basics5 lessons+
4. Property and Casualty Insurance Basics
5 lessons
- Parts of an Insurance Policy
- Insurable Interest, Indemnity, and Subrogation
- Valuation: ACV, Replacement Cost, Depreciation, and Coinsurance
- Basic Types of Construction: the Six Construction Classes
- Negligence, Torts, and Legal Liability
Section 55. Dwelling Policy Concepts1 lesson+
5. Dwelling Policy Concepts
1 lesson
- Dwelling Forms: DP-1, DP-2, DP-3
Section 66. Homeowners Policy Concepts3 lessons+
6. 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 77. Commercial Property Policies3 lessons+
7. Commercial Property Policies
3 lessons
- Commercial Property: the BPP, Causes of Loss, and Business Income
- Inland Marine: Personal Floaters and Commercial Floaters
- Builders Risk, Equipment Breakdown, and Crime Coverages
Section 88. Personal Automobile Policy4 lessons+
8. Personal Automobile Policy
4 lessons
- The Personal Auto Policy: Structure and Part A Liability
- Medical Payments, Uninsured and Underinsured Motorists, and No-Fault PIP
- Personal Auto Policy Part D, Coverage for Damage to Your Auto
- Total Losses and Salvage Handling
Section 99. Commercial Automobile Policy2 lessons+
9. Commercial Automobile Policy
2 lessons
- Commercial Auto Liability: The Business Auto Policy, Symbols, and Motor Carrier Forms
- Commercial Auto Physical Damage: Covered Auto Symbols, Section III, and Garagekeepers
Section 1010. Commercial General Liability2 lessons+
10. Commercial General Liability
2 lessons
- The Commercial General Liability Policy: Structure and Coverages A, B, and C
- Occurrence Versus Claims-Made and the Commercial Liability Exposures
Section 1111. Other Types of Insurance Policies3 lessons+
11. Other Types of Insurance Policies
3 lessons
- Umbrella and Excess Liability Policies
- The Businessowners Policy (BOP): Property Side
- Mobile and Manufactured Home Coverage
Section 1212. Adjustment Process12 lessons+
12. 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 Washington exam with confidence. Most students finish the course in 2-4 weeks of casual study.
FAQ
How long is the Washington Public Adjuster licensing exam?+
This course's full-length practice exam runs 100 questions to match the paper's length. Washington publishes the authoritative item count, time limit and pass mark in its candidate handbook; check there before you register.
Does Washington require state-approved pre-licensing education?+
Washington 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 650+ practice questions across section quizzes and a full-length 100-question final exam simulator that mirrors the real Washington 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 Washington exam?+
The practice questions are written to mirror the real Washington 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 Washington 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 Washington 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 Washington 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