Start Here · 3 min read
Exam Overview
There is no single national claims adjuster exam. Each state that licenses adjusters sets its own examination, usually delivered by a testing vendor such as Pearson VUE or Prometric. Most candidates take an all-lines or property and casualty adjuster exam, either in their own state or, if their state does not license adjusters, in a designated home state such as Texas or Florida.
Exam Format
| Exam | Vendor | Questions | Time | Passing Score |
|---|---|---|---|---|
| Texas All-Lines Adjuster | Pearson VUE | 150 scored | 150 minutes | Scaled score of 70 |
| Texas Property and Casualty Adjuster | Pearson VUE | 150 scored | 150 minutes | Scaled score of 70 |
| Florida 6-20 All-Lines Adjuster | Pearson VUE | 100 | 2 hours | 70% |
Questions are four-option multiple choice with one best answer. Many items present a short claim scenario and ask which coverage applies, how much the insurer will pay, or what the adjuster should do. A silent, non-programmable calculator is generally permitted at the test center, and there is no penalty for guessing, so answer every question.
How the Content Is Weighted
The Texas All-Lines Adjuster exam, one of the most widely taken adjuster exams because Texas issues designated home state licenses, shows how the content is typically balanced:
| Content Area | Questions | Share | Where to Study |
|---|---|---|---|
| General Property and Casualty Insurance Product Knowledge | 60 | 40% | Sections 3–8 |
| Insurance Terms and Related Concepts | 60 | 40% | Section 2 |
| Texas Statutes and Rules Pertinent to P&C Adjusting (incl. workers' compensation) | 30 | 20% | Sections 1 and 9 |
Scoring
Each question is worth the same amount, and only correctly answered questions count. Pearson VUE reports a scaled score, and candidates leave the test center with a score report. Candidates who fail receive diagnostic information by content area, which shows where to focus before retesting. Texas places no limit on the number of attempts.
Licensing Steps
- Staff, independent, and public adjusters may face different licensing rules; public adjusters usually need a separate license and often a bond.
- Residents of states that do not license adjusters can obtain a designated home state (DHS) license and then use it to qualify for nonresident licenses through reciprocity.
- Licenses are typically renewed every two years with continuing education, including ethics hours.
Finished reading?
Next, start the first chapter.