A nonresident wants a Massachusetts public insurance adjuster license. What must be true of the applicant's home state?M.G.L. c. 175, § 172
A person, for compensation, only solicits insureds to be represented on property losses in Massachusetts. Is that person a public insurance adjuster?M.G.L. c. 175, § 162
Besides insurance principles and coverage, what must the Massachusetts public insurance adjuster examination test?M.G.L. c. 175, § 172
How much experience in adjusting property losses must a Massachusetts applicant show before the application can be filed?M.G.L. c. 175, § 172
How must a Massachusetts public insurance adjuster application be executed?M.G.L. c. 175, § 172
How old must a person be to be licensed as a Massachusetts public insurance adjuster?M.G.L. c. 175, § 172
The passport sized photographs filed with a Massachusetts public insurance adjuster application must have been taken within how long before it?M.G.L. c. 175, § 172
What is the longest jail term for acting as a Massachusetts public insurance adjuster while the license is suspended?M.G.L. c. 175, § 172
What is the most a person may be fined for acting as a public insurance adjuster in Massachusetts without a license?M.G.L. c. 175, § 172
Show all 114 questions (105 more)
Who needs a license and how to get one, continued
What must the commissioner be satisfied of before issuing a Massachusetts public insurance adjuster license?M.G.L. c. 175, § 172
What record must be filed with a Massachusetts public insurance adjuster application, along with the photographs?M.G.L. c. 175, § 172
Which loss is within the work of a Massachusetts public insurance adjuster, by the definition in chapter 175?M.G.L. c. 175, § 162
Who decides what a testing service may charge applicants for the Massachusetts public insurance adjuster examination?M.G.L. c. 175, § 172
Who fixes the passing grade for the Massachusetts public insurance adjuster examination?M.G.L. c. 175, § 172
Who is left out of the Massachusetts definition of a public insurance adjuster even when paid to represent an insured on a loss?M.G.L. c. 175, § 162
Who may administer the Massachusetts public insurance adjuster examination in place of the commissioner?M.G.L. c. 175, § 172
Whom does a Massachusetts public insurance adjuster represent on a loss?M.G.L. c. 175, § 162
The adjuster's contract 16
A Massachusetts insured cancels within the three days. For what does the insured remain liable?M.G.L. c. 175, § 172
A Massachusetts policy names a mortgagee, who claims payment under it. What is the mortgagee under the adjuster's contract with the named insureds?M.G.L. c. 175, § 172
After a Massachusetts insured signs a public insurance adjuster contract, what must the adjuster deliver?M.G.L. c. 175, § 172
After the three days have passed, may a Massachusetts insured still revoke the public insurance adjuster contract?M.G.L. c. 175, § 172
The commissioner disapproves a Massachusetts public insurance adjuster's contract form. Who may review that action?M.G.L. c. 175, § 172
From what event do the three days to cancel a Massachusetts public insurance adjuster contract run?M.G.L. c. 175, § 172
How long must a contract form be on file with the commissioner before a Massachusetts public insurance adjuster may use it, absent earlier written approval?M.G.L. c. 175, § 172
In what form must a Massachusetts public insurance adjuster's contract with an insured be?M.G.L. c. 175, § 172
In what type must the cancellation notice in a Massachusetts public insurance adjuster contract be printed?M.G.L. c. 175, § 172
May a Massachusetts mortgagee hire its own public insurance adjuster?M.G.L. c. 175, § 172
On what does a Massachusetts public insurance adjuster's fee lien attach after the insured revokes the contract?M.G.L. c. 175, § 172
When the commissioner disapproves a Massachusetts adjuster contract form, what must the written notice contain?M.G.L. c. 175, § 172
Where must a Massachusetts insured send a written cancellation of the public insurance adjuster contract?M.G.L. c. 175, § 172
Which way of delivering a cancellation does the notice in a Massachusetts public insurance adjuster contract name?M.G.L. c. 175, § 172
Whose signature makes a Massachusetts public insurance adjuster contract enforceable by the adjuster?M.G.L. c. 175, § 172
Within how long may a Massachusetts insured cancel a public insurance adjuster contract without recourse?M.G.L. c. 175, § 172
Renewal, firms and penalties 19
A corporation seeks a Massachusetts public insurance adjuster license. How long must the majority of its named officers and directors have been licensed as individuals?M.G.L. c. 175, § 172
A licensed Massachusetts corporation is dissolved. What does the commissioner do on receiving notice?M.G.L. c. 175, § 174
A licensed Massachusetts partnership ends before its license expires. What must the partners do?M.G.L. c. 175, § 173
A partnership with nonresident members seeks a Massachusetts public insurance adjuster license. What share of its partners must be Massachusetts residents?M.G.L. c. 175, § 172
A violation is committed in the name of a licensed Massachusetts partnership. Who is personally liable to the penalties of the insurance laws?M.G.L. c. 175, § 173
The commissioner asks an officer of a licensed Massachusetts corporation for information in writing. Within how long must it be furnished to avoid a penalty?M.G.L. c. 175, § 174
For what purpose must a corporation be incorporated to hold a Massachusetts public insurance adjuster license?M.G.L. c. 175, § 172
How does the commissioner tell a Massachusetts public insurance adjuster of a revocation?M.G.L. c. 175, § 172
How is the fee for a Massachusetts partnership's public insurance adjuster license counted?M.G.L. c. 175, § 14
How long does a Massachusetts public insurance adjuster license last?M.G.L. c. 175, § 172
How many hours of continuing education must be completed before a Massachusetts public insurance adjuster license is renewed?M.G.L. c. 175, § 172
How soon must a licensed Massachusetts corporation file certified copies of amendments to its articles of organization with the commissioner?M.G.L. c. 175, § 174
In a partnership licensed in Massachusetts with nonresident partners, on whom is service of process binding for all nonresident partners?M.G.L. c. 175, § 172
Is a written examination required to renew a Massachusetts public insurance adjuster license?M.G.L. c. 175, § 172
What is the longest a Massachusetts public insurance adjuster license may be suspended?M.G.L. c. 175, § 172
What must be filed with the applications for a Massachusetts partnership license?M.G.L. c. 175, § 173
What must happen before the commissioner revokes a Massachusetts public insurance adjuster license?M.G.L. c. 175, § 172
When is a notice of hearing or revocation sent to a Massachusetts adjuster deemed sufficient?M.G.L. c. 175, § 174A
Who must the trustees of a voluntary association licensed as a Massachusetts public insurance adjuster be?M.G.L. c. 175, § 172A
The Massachusetts standard fire policy 20
A Massachusetts building insured against fire is totally destroyed. Beyond what amount is the company not liable?M.G.L. c. 175, § 96
A Massachusetts insured paid premiums on more than the actual value of a building that was totally destroyed. What interest is added to the refunded excess premium?M.G.L. c. 175, § 96
A Massachusetts insured receives a cancellation notice for nonpayment of premium. How can the insured keep the coverage?M.G.L. c. 175, § 99
A Massachusetts mortgagor does something that would void the standard fire policy. What is the effect on the mortgagee to whom the policy is payable?M.G.L. c. 175, § 99
A Massachusetts store building stands vacant. Beyond how many consecutive days does the standard fire policy stop covering loss, unless otherwise provided?M.G.L. c. 175, § 99
A Massachusetts two-family house stands vacant. Beyond how many consecutive days does the standard fire policy stop covering loss, unless otherwise provided?M.G.L. c. 175, § 99
A misrepresentation was made in negotiating a Massachusetts property policy. When does it defeat the policy?M.G.L. c. 175, § 186
After a Massachusetts standard fire policy has been in effect 60 days, which is one of the reasons that can support a cancellation?M.G.L. c. 175, § 99
An explosion in a Massachusetts building is followed by fire. For what is the standard fire policy liable, unless otherwise provided?M.G.L. c. 175, § 99
An insured wilfully misrepresents a material fact about the insurance after a loss. What is the effect under the Massachusetts standard fire policy?M.G.L. c. 175, § 99
Does the Massachusetts standard fire policy cover loss by theft?M.G.L. c. 175, § 99
How much written notice must a company give the insured to cancel a Massachusetts standard fire policy for a reason other than nonpayment?M.G.L. c. 175, § 99
How much written notice must a company give the insured to cancel a Massachusetts standard fire policy for nonpayment of premium?M.G.L. c. 175, § 99
How much written notice of cancellation must the mortgagee named in a Massachusetts standard fire policy receive?M.G.L. c. 175, § 99
Property is moved to save it from a fire. For how long does the Massachusetts standard fire policy cover it pro rata at the new place?M.G.L. c. 175, § 99
To what extent does the Massachusetts standard fire policy insure the property?M.G.L. c. 175, § 99
What makes an assignment of a Massachusetts standard fire policy valid?M.G.L. c. 175, § 99
What must a multi-unit residential fire policy in Massachusetts provide, by endorsement, for each rental unit?M.G.L. c. 175, § 99
Which property does the Massachusetts standard fire policy never cover?M.G.L. c. 175, § 99
Which words may a company print on a policy issued in the Massachusetts standard form?M.G.L. c. 175, § 99
Proof of loss, reference and payment 28
A certificate shows municipal liens outstanding on the date of loss. Whose claim to the Massachusetts insurance money comes first?M.G.L. c. 175, § 97A
A company intends to rebuild or repair rather than pay. How soon after the sworn statement must it notify the Massachusetts insured?M.G.L. c. 175, § 99
A Massachusetts insured demands reference in writing. How soon must the company submit the names of three persons?M.G.L. c. 175, § 100
A Massachusetts insured does not render the sworn statement at once, but forthwith gives the company written notice of the fire and its location. Is recovery barred?M.G.L. c. 175, § 102
A Massachusetts loss was referred to the referees within the two years. The time to sue is then never less than how long after a valid award?M.G.L. c. 175, § 99
A party objects to a proposed referee who recently served in a like capacity. Within what period does that earlier service disqualify the person under the Massachusetts standard fire policy?M.G.L. c. 175, § 99
After the insured submits the sworn statement, how long does a company have to pay under the Massachusetts standard fire policy?M.G.L. c. 175, § 99
At what amount of loss to a Massachusetts building must the insurer first give written notice to the building commissioner or inspector before paying?M.G.L. c. 175, § 99
At what loss amount on Massachusetts real property must a company first require a certificate of municipal liens before paying the claim?M.G.L. c. 175, § 97A
Does the notice rule of Massachusetts section 102 apply to a loss from a hazard other than fire insured under a standard policy?M.G.L. c. 175, § 102
How is the third referee chosen under the Massachusetts standard fire policy?M.G.L. c. 175, § 99
How long before paying such a building claim must the Massachusetts insurer have given notice to the building and health officials?M.G.L. c. 175, § 99
How soon after the third referee is selected must the Massachusetts referees meet to hear the evidence?M.G.L. c. 175, § 101
Massachusetts referees adjourn a hearing. How long may pass between hearings without the unanimous agreement of the referees?M.G.L. c. 175, § 101
May a Massachusetts insured abandon the damaged property to the company under the standard fire policy?M.G.L. c. 175, § 99
The parties cannot agree on the amount of a loss under the Massachusetts standard fire policy. To whom is it referred?M.G.L. c. 175, § 99
Several mortgagees are protected by a Massachusetts fire policy. In what order does the company pay them?M.G.L. c. 175, § 97
The two referees cannot agree on a third within ten days. Who may appoint the third referee in Massachusetts?M.G.L. c. 175, § 100
Unless the parties waive it, what is reference to the three referees under the Massachusetts standard fire policy?M.G.L. c. 175, § 99
What interest does a company owe on an agreed loss figure under the Massachusetts standard fire policy?M.G.L. c. 175, § 99
What kind of statement in proof of loss does the Massachusetts standard fire policy call for?M.G.L. c. 175, § 99
What makes a referees' award final as to the amount of loss under the Massachusetts standard fire policy?M.G.L. c. 175, § 99
What notice of a loss does the Massachusetts standard fire policy require of the insured?M.G.L. c. 175, § 99
When does interest on an agreed loss figure start under the Massachusetts standard fire policy?M.G.L. c. 175, § 99
Where may a Massachusetts insured give the written notice of fire that section 102 allows?M.G.L. c. 175, § 102
Which Massachusetts property is exempt from the certificate of municipal liens rule?M.G.L. c. 175, § 97A
Who issues the certificate of municipal liens a Massachusetts claimant submits to the company?M.G.L. c. 175, § 97A
Within how long after the loss must a suit on a Massachusetts standard fire policy be commenced?M.G.L. c. 175, § 99
Unfair claim practices 14
A Massachusetts insurer denies a claim. What must it promptly provide, under the unfair claim settlement practices list?M.G.L. c. 176D, § 3
A Massachusetts insurer offers far less than insureds later recover in court, forcing them to sue. How does chapter 176D class that?M.G.L. c. 176D, § 3
After a hearing the commissioner finds an unfair practice under Massachusetts chapter 176D. What order follows?M.G.L. c. 176D, § 7
The commissioner serves a statement of charges under Massachusetts chapter 176D. What is the earliest the hearing may be held after service?M.G.L. c. 176D, § 6
How long must a Massachusetts adjuster keep a written communication that expresses a grievance?M.G.L. c. 176D, § 3
In a suit on a policy, what punitive damages may a Massachusetts court add when the commissioner has determined a chapter 176D violation damaged the claimant?M.G.L. c. 176D, § 7
Liability has become reasonably clear on a Massachusetts claim. What does chapter 176D require of the insurer?M.G.L. c. 176D, § 3
Must a Massachusetts chapter 176D hearing follow the formal rules of pleading and evidence?M.G.L. c. 176D, § 6
To whom may the commissioner order restitution under Massachusetts chapter 176D?M.G.L. c. 176D, § 7
Under Massachusetts chapter 176D, refusing to pay claims is an unfair claim settlement practice when done without what?M.G.L. c. 176D, § 3
What is a "complaint" in the Massachusetts unfair practices chapter?M.G.L. c. 176D, § 3
What is the most a person may be fined for each unfair act or practice under section 7 of Massachusetts chapter 176D?M.G.L. c. 176D, § 7
What may a person forfeit for each violation of a final cease and desist order under Massachusetts chapter 176D?M.G.L. c. 176D, § 10
When may the commissioner revoke, rather than suspend, a license for a violation of section 3 of Massachusetts chapter 176D?M.G.L. c. 176D, § 7
How this list was compiled: Massachusetts General Laws, chapter 175, sections 14, 96, 97, 97A, 99, 100, 101, 102, 162, 172, 172A, 173, 174, 174A and 186, and chapter 176D, sections 3, 6, 7 and 10, read on October 16, 2026 on the website of the Massachusetts Legislature (https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXXII/Chapter175). The topics follow the statute references printed in the Public Insurance Adjuster content outline (100 scoreable and 5 pretest questions; effective July 22, 2026): part I, Insurance Regulation, the Massachusetts laws under part II, and the notice and reference law under part III. The examination administrator for the Massachusetts Division of Insurance publishes the outline at https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/122301.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 Massachusetts public adjuster license exam study guide is a practice test on the statutes the Public Insurance Adjuster exam cites: 114 of our own questions, each naming its section. Not affiliated with the Massachusetts Division of Insurance.
Read the full guide
The outline changed in July 2026
A new content outline took effect on July 22, 2026, the day a new examination administrator began giving the Division of Insurance exams. An outline dated before that is out of date.
What the outline weighs
Of 100 scoreable questions: insurance regulation 10, insurance basics 10, adjusting losses 20, dwelling policy 12, homeowners 18, commercial package 14, businessowners 15, other coverages 1. The outline prints no time limit, so none is set here.
What this page asks
The General Laws the outline names: licensing and the contract under chapter 175, section 172, the standard fire policy, reference to three referees, municipal liens, and unfair claim practices under chapter 176D. Policy forms and chapter 175D are not asked.
The insured may cancel within 3 calendar days of receiving the contract, and revoke later subject to the fee lien (c. 175, § 172).
Suit on the standard fire policy must start within two years of the loss (c. 175, § 99).
Questions and answers
How many questions are on the Massachusetts public adjuster exam?
100 scoreable and 5 pretest questions, by the Public Insurance Adjuster content outline effective July 22, 2026. The candidate handbook of June 2026 gives a passing score of 70 on a scaled score, which is not a percentage.
Who needs a public adjuster license in Massachusetts?
Whoever, for compensation, solicits an insured or represents one on a loss under a fire, homeowners, commercial multi-peril, business interruption, crime, marine or other property policy. An attorney acting in the usual course of the profession is left out (c. 175, § 162).
What are the requirements for a Massachusetts public adjuster license?
Age 21 or more, two years of experience adjusting property losses, a written examination, an application on oath with two passport sized photographs and a certified criminal background check, and the fee (c. 175, § 172).
How long is a Massachusetts public adjuster license good for?
Three years. It may be renewed for another three years on payment of the fee, with 15 hours of continuing education and no further written examination (c. 175, § 172).