Free Texas Public Adjuster Practice Exam

1. Chapter 4102 places the public insurance adjuster in a fiduciary capacity. Which section carries that title?
Section 4102.111Section 4102.101Section 4102.114Section 4102.106
2. A building of steel framing with metal walls and roof is
Frame constructionNoncombustibleJoisted masonryFire-resistive
3. Personal auto supplementary payments include bail bonds up to
$500$1,000$100$250
4. Which Texas Insurance Code chapter is the Texas Unfair Trade Practices Act (UTPA), including the unfair claim settlement practices laundry list?
Chapter 701Chapter 4001Chapter 31Chapter 541
5. A public adjuster documents storm damage for a client. Which record is most useful when the carrier later disputes the extent of the scope?
A verbal recollection from the roofing crew that first tarped the damaged areasDated photographs keyed to a measured room-by-room scope and elevation notesA copy of the carrier's own field notes obtained after the estimate was issuedA narrative summary written from memory once the site cleanup was finished
6. An investigation to find where and how a fire started is a
Loss runProof of lossCause and originScope of loss
7. Combining UM limits from several vehicles is
LayeringStackingPoolingBlending
8. Under an open-perils policy, who must prove an exclusion applies?
The insurerThe courtThe insuredThe adjuster
9. Which activity is on the public-adjusting side of the practice-of-law boundary rather than the attorney side?
Measuring, scoping and pricing the physical damage and presenting that estimateTelling the insured whether to sue the carrier for statutory damages and attorney feesAdvising the insured whether the policy's anti-concurrent-cause clause is enforceableDrafting and filing the pre-suit notice a policyholder must serve before litigation
10. NFIP contents losses are paid on what basis?
Market valueAgreed valueActual cash valueReplacement cost
11. Texas Insurance Code citations follow what general numbering pattern?
Title and article only, with no chapter or sectionBill number and year of enactmentChapter and section, with subsection letters in parenthesesVolume and page, like a court reporter
12. Under §4102.104(a), the total commission a Texas public insurance adjuster may receive on a claim may not exceed:
15 percent of the amount of the insurance settlement on the claim5 percent of the amount of the insurance settlement on the claim20 percent of the amount of the insurance settlement on the claim10 percent of the amount of the insurance settlement on the claim
13. No-fault coverage for medical costs and lost wages after an auto accident is
Personal injury protectionMedical paymentsUninsured motoristsCollision
14. Tex. Ins. Code §4102.103 requires the contract between a public adjuster and an insured to be:
Drafted by the public adjuster and filed with the insurer in advanceOn a Commissioner-approved form, executed in duplicate, with the required noticesOral or written, at the public adjuster's discretionWritten but not necessarily signed by the insured
15. A signed agreement that investigating a claim does not waive coverage defenses is a
ReleaseNonwaiver agreementReservation of rightsHold harmless
16. The §4102.152(a) solicitation window on a Sunday differs from the weekday window. On a Sunday, solicitation may begin no earlier than:
2 p.m., five hours later9 a.m., as on any weekday10 a.m., an hour laterNoon, three hours later
17. An adjuster sees a citation to '§4101.202' in a coverage memo. From the citation alone, what topic does §4101.202 most likely address?
The adjuster's fiduciary duty in claim handlingEmergency adjuster designations during declared catastrophesContinuing education waiver proceduresExamination procedures for the adjuster license
18. Ocean marine coverage for goods carried on a ship is
Liability insuranceFreight insuranceCargo insuranceHull insurance
19. The Texas Administrative Procedure Act, which governs how TDI adopts rules, is found in:
Tex. Lab. Code Title 5Tex. Ins. Code Ch. 36Tex. Bus. & Com. Code Ch. 17Tex. Gov't Code Ch. 2001
20. Flexible plastic water supply piping is
PVCGalvanizedCPVCPEX