A business entity is licensed as an adjuster in Delaware. The license of its designated responsible licensee expires. What happens to the entity's license?18 Del. C. § 1706(f)
A Delaware adjuster does not pay the license fee or meet the education requirement by the due date. What happens to the license?18 Del. C. § 1707(f)
A Delaware adjuster wants to do business under a name other than the legal name. What is required first?18 Del. C. § 1710
A Delaware licensee is criminally prosecuted. From which date do the 30 days to report the prosecution to the Commissioner run?18 Del. C. § 1719(b)
A licensed Delaware broker helps adjust a loss under a policy the broker placed. Does the broker need an adjuster license for that?18 Del. C. § 1707(e)(3)
A nonresident adjuster licensed in Delaware comes from a home state with no continuing education requirement for adjusters. What applies?18 Del. C. § 1717(b)
A nonresident adjuster's home state has no adjuster examination. What does Delaware require before licensing?18 Del. C. § 1708(a)
Show all 65 questions (58 more)
Adjuster license: who needs it and how, continued
A resident of Canada wants to be licensed as an adjuster in Delaware, or to name Delaware as home state. What does the statute require?18 Del. C. § 1706(i)
An adjuster licensed in another state moves to Delaware. Within how long after establishing legal residence must the adjuster apply to become a resident licensee?18 Del. C. § 1709(b)
An insurer sends an out-of-state adjuster into Delaware for a catastrophe. No Delaware license is needed if the adjuster gives the Commissioner written notice within how long?18 Del. C. § 1707(e)(1)
Another state takes administrative action against a Delaware licensee. Within how long of the final disposition must the licensee report it to the Delaware Commissioner?18 Del. C. § 1719(a)
Besides general insurance knowledge and state law, what subject must the Delaware adjuster examination test, as established by the Commissioner?18 Del. C. § 1705(a)
For Delaware licensing purposes, what is a licensee's "home state"?18 Del. C. § 1702(8)
For Delaware's licensing chapter, which activity is expressly included in "transact" insurance?18 Del. C. § 1702(25)
For each claim settled, which record must a Delaware adjuster keep at the principal place of business?18 Del. C. § 1707(m)
For how long must a Delaware adjuster's required records be retained and available for the Commissioner's inspection?18 Del. C. § 1707(m)
How does the Delaware Insurance Code define an "adjuster"?18 Del. C. § 1702(1)
How many continuing education credit hours must a resident Delaware adjuster complete in each biennial reporting period?18 DE Admin. Code 504 § 8.2.2
In Delaware's licensing chapter, what does an "appraiser" do?18 Del. C. § 1702(3)
Of a resident Delaware adjuster's continuing education credits in a biennium, how many must be in ethics subjects?18 DE Admin. Code 504 § 8.2.2
To which body does an applicant for a Delaware resident adjuster license submit fingerprints for the criminal history reports?18 Del. C. § 1706(b)
What does a Delaware adjuster license itself NOT create?18 Del. C. § 1702(10)
What is the longest period for which the Delaware Commissioner may issue a temporary license without an examination?18 Del. C. § 1711(a)
What is the minimum age for an individual applying for a Delaware resident adjuster license?18 Del. C. § 1706(a)(1)
What must every applicant for a Delaware apprentice adjuster license file with the Commissioner?18 Del. C. § 1706(c)
Which of these is a line of insurance for which a Delaware adjuster license may convey authority?18 Del. C. § 1707(d)
Which resident Delaware adjusters are exempt from the continuing education credit requirement?18 DE Admin. Code 504 § 8.8
Who is an "apprentice" under Delaware's adjuster licensing law?18 Del. C. § 1702(4)
Discipline, the Commissioner and hearings 10
A Delaware adjuster under investigation surrenders the license. What can the Commissioner still do?18 Del. C. § 1721
A Delaware adjuster's license has been revoked or suspended on two occasions. May the adjuster be licensed again under the insurance title?18 Del. C. § 1712(g)
A person commits an unfair practice in Delaware without knowing it was a violation. What is the most the Commissioner may order for each act?18 Del. C. § 2308(a)
The Delaware Commissioner finds a hearing application justified. Within how long after it is filed must the hearing be held, unless postponed by mutual consent?18 Del. C. § 323(d)
The Delaware Commissioner serves a statement of charges for an unfair practice. The hearing may not be held sooner than how long after service?18 Del. C. § 2307(a)
In Delaware's licensing chapter, a "revocation" takes back a license for at least how long?18 Del. C. § 1702(19)
To which court is an appeal from an order of the Delaware Insurance Commissioner taken?18 Del. C. § 328(c)
What is the longest a Delaware license may be barred under a "suspension"?18 Del. C. § 1702(23)
What limit does Delaware law put on a rule or regulation the Commissioner makes?18 Del. C. § 311(a)
Which act during a Delaware license examination is itself a cause to refuse or revoke a license?18 Del. C. § 1712(a)
Public adjusters 14
A Delaware public adjuster's bond is to be terminated. How much written notice must be given to the licensee and filed with the Commissioner?18 Del. C. § 1752(b)
An applicant for a Delaware public adjuster license must disclose each person who holds what share of the licensee's voting securities?18 Del. C. § 1753(a)
Before acting as a public adjuster for an insured in Delaware, what must the licensee have?18 Del. C. § 1756(a)
For how long must a Delaware public adjuster keep the record of each transaction?18 Del. C. § 1754(b)
May a Delaware public adjuster advance money to a client while a loss is being settled, to be taken from the final settlement?18 Del. C. § 1758(b)
On the part of a client's total insurance recovery above $25,000, what fee may a Delaware public adjuster charge?18 Del. C. § 1756(e)
To which of these does Delaware's public adjuster chapter NOT apply?18 Del. C. § 1759(b)
Until when may an insured cancel a contract with a Delaware public adjuster?18 Del. C. § 1756(b)
What bond must an applicant for a Delaware public adjuster license file with the Commissioner?18 Del. C. § 1752(a)
What civil penalty may the Delaware Commissioner impose for each violation of the public adjuster denial and suspension section?18 Del. C. § 1755(b)
What is the most a Delaware public adjuster may charge on the first $25,000 of a client's total insurance recovery?18 Del. C. § 1756(e)
When is a Delaware public adjuster barred from soliciting a client?18 Del. C. § 1756(c)
Which business interest is a licensed Delaware public adjuster prohibited from having?18 Del. C. § 1758(b)
Whom does a Delaware "public adjuster" act for?18 Del. C. § 1750(4)
Claim settlement rules and fraud 13
A claim has settled in Delaware. Within how long from the fully executed settlement agreement must payment be sent?18 DE Admin. Code 903 § 5.1
A Delaware insurer explains a claim denial verbally at the insured's request. What does the regulation then require?18 DE Admin. Code 902 § 3.1.13
A Delaware insurer's representative knowingly gives a claimant false information about the coverage available, intending to deceive. What is this under the Fraud Prevention Act?18 Del. C. § 2407(c)
A person found to have committed insurance fraud in Delaware is liable for the Bureau's costs. How is that assessment figured?18 Del. C. § 2411(d)
After a hearing, the Delaware Commissioner finds a person failed in bad faith to pay settled claims promptly as a general practice. What interest may be awarded to the claimant?18 DE Admin. Code 903 § 6.1.1
After proof of loss statements are received, within how long must a Delaware insurer affirm or deny coverage, or say in writing why it cannot?18 DE Admin. Code 902 § 3.1.5
After receiving notice of loss, within how long must a Delaware insurer begin prompt investigation of the claim?18 DE Admin. Code 902 § 3.1.3
An insurer offers Delaware insureds far less than they later recover in court, forcing them to sue. As a general business practice, this is:18 Del. C. § 2304(16)
How does Delaware's Insurance Fraud Prevention Act define "bad faith"?18 Del. C. § 2403(c)
In a sample of claims the Delaware Department examines, what share of unfair claim settlement practices is prima facie evidence of a general business practice?18 DE Admin. Code 902 § 3.2
What standard of proof must be met before the Delaware Commissioner imposes an administrative penalty for insurance fraud?18 Del. C. § 2411(b)
Who may bring a cause of action based on a violation of Delaware's unfair claim settlement practices provision, under the regulation?18 DE Admin. Code 902 § 3.5
Within how long must a Delaware insurer acknowledge and respond to an insured's communication about a claim?18 DE Admin. Code 902 § 3.1.2
How this list was compiled: Delaware Code, Title 18 (Insurance Code): chapter 3 (sections 311, 323 and 328), chapter 17 (sections 1702 to 1721, licensing of adjusters), chapter 17A (sections 1750 to 1759, public adjusters), chapter 23 (sections 2304, 2307 and 2308) and chapter 24 (sections 2403, 2407 and 2411 of the Delaware Insurance Fraud Prevention Act), read on October 15, 2026 in the Delaware Code Online of the State of Delaware (https://delcode.delaware.gov/title18/index.html); and the Department of Insurance's regulations 18 DE Admin. Code 504 (continuing education), 902 (prohibited unfair claim settlement practices) and 903 (prompt payment of settled claims), read the same day in the Delaware Administrative Code (https://regulations.delaware.gov/AdminCode/title18). The topics follow the part headed Delaware Statutes, Regulations, and Bulletins Pertinent to Insurance and the Licensing of Adjusters and the Insurance Ethics part of the Delaware adjuster content outlines, effective January 15, 2025, which the Delaware Department of Insurance's examination administrator publishes at https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/120801.pdf. Each question names its section and links to it. Licence: Own work. Every question, wrong choice and explanation was written for this site from the text of the law. Nothing comes from a testing vendor, a prep course or an exam question pool.
How it works
This unofficial Delaware adjuster license practice test asks the state-law part of the adjuster exams: 65 of our own questions from the Delaware Insurance Code and Department regulations, each naming its section. Not affiliated with the Delaware Department of Insurance.
Read the full guide
Seven adjuster exams
Delaware gives separate exams for property, casualty, motor vehicle, marine and transportation, surety, workers compensation and public adjusters.
The part the outlines share
The outlines close with Delaware statutes and regulations on the licensing of adjusters (Title 18, chapter 17), the Commissioner (chapter 3) and insurance ethics, which names unfair claim settlement practices and the Fraud Prevention Bureau. The topics here follow that part. Policy forms and coverages are not asked.
Timed like the casualty exam
The timed test keeps the casualty exam's scored length and clock, with every question on the law.
Acknowledge in 15 working days, start investigating in 10, accept or deny within 30 days of proof of loss (18 DE Admin. Code 902).
Resident adjusters owe 12 continuing education credits each biennium, 3 of them in ethics (18 DE Admin. Code 504).
A public adjuster may charge 2.5 percent of the first $25,000 and up to 12 percent above it (18 Del. C. § 1756).
Questions and answers
How many questions are on the Delaware adjuster exam?
The casualty adjuster outline lists 50 scoreable questions plus 5 pretest questions. The motor vehicle, marine and transportation and workers compensation adjuster outlines each list 50 scoreable questions. The candidate handbook of June 2025 gives the casualty exam 1 hour 30 minutes.
What score passes the Delaware adjuster exam?
The candidate handbook says raw scores become scaled scores from 0 to 100, that some exams need 70 and others 80, and that the passing score is listed on your score report. It prints no figure for each adjuster exam.
What lines can a Delaware adjuster license cover?
Property, casualty, fidelity and surety, automobile, marine and transportation, crop and workers compensation insurance (18 Del. C. § 1707(d)). A public adjuster, who works for the insured, is licensed under chapter 17A.
Does a catastrophe adjuster need a Delaware license?
No, if an insurer sends the adjuster in for a catastrophe and the Commissioner gets written notice within 10 calendar days of the work (18 Del. C. § 1707(e)).
Is this Delaware adjuster license practice test free?
Yes. All 65 questions are open, and your answers stay in your browser. The questions were written for this page from the law itself; none comes from the state exam, and the Delaware Department of Insurance did not write or review them.