A New Hampshire adjuster holds workers' compensation authority. How many continuing education credit hours must be in workers' compensation?RSA 402-B:5-a
A nonresident adjuster has met the continuing education rules of the designated home state. What does New Hampshire then require?RSA 402-B:5-a
A nonresident adjuster's resident license in the home state ends. What becomes of the New Hampshire nonresident license?RSA 402-B:7, III
A nonresident's state of residence requires no adjuster license. For how long must the applicant have been in the business of claims adjusting for New Hampshire to waive the examination?RSA 402-B:5, I
A person is employed solely to obtain facts surrounding a claim for a licensed New Hampshire adjuster. Does that person need an adjuster license?RSA 402-B:2, III
A person passes the New Hampshire adjuster licensing exam. What does that do for continuing education?Ins 1302.04
A person settles nothing but automobile glass replacement and repair claims. Under RSA 402-B:2, that person:RSA 402-B:2, III
A salaried employee of an insurer investigates and settles New Hampshire property claims. Is that person an "insurance claims adjuster" under RSA 402-B:2?RSA 402-B:2, II
Show all 101 questions (93 more)
Adjuster license: who needs it and how, continued
An adjuster works New Hampshire losses only for an unadmitted surplus lines company. Does RSA 402-B:1 require a license?RSA 402-B:1
An adjuster's state of residence issues no adjuster license for the line sought. What may the adjuster do under RSA 402-B:2?RSA 402-B:2, I
An unlicensed adjuster settles a New Hampshire claim to the satisfaction of the insurer and the claimant. What is the effect?Ins 1002.10
Another state's insurance department takes administrative action against a New Hampshire adjuster. From what event do the 30 days to report it run?RSA 402-B:7, IV
Besides certain nonresident applicants, for whom must the commissioner waive the New Hampshire adjuster examination?RSA 402-B:5, II
Besides exhibiting the license, what must a New Hampshire adjuster identify to each person dealt with on a claim?RSA 402-B:9
For portable electronics claims run through an automated claims adjudication system, how many unlicensed persons may be under the supervision of one licensed adjuster or producer?RSA 402-B:2, III
How does RSA 402-B:2 class the completion of a first notice of loss form?RSA 402-B:2, III
How long before the license renewal date must a New Hampshire adjuster be certified as having finished continuing education?RSA 402-B:5-a
How many hours of continuing education must a New Hampshire adjuster complete every 2 years?RSA 402-B:5-a
How much classroom instruction must a course give for each continuing education credit, unless it is a self-study course?Ins 1302.04
Of a New Hampshire adjuster's continuing education hours, how many must be approved for adjuster ethics credit?RSA 402-B:5-a
On what conditions does a New Hampshire adjuster license remain in effect, unless revoked or suspended?RSA 402-B:10-a
RSA 402-B:1 requires an adjuster license to adjust claims on policies written on which risks?RSA 402-B:1
What does an application for a New Hampshire adjuster license state, besides age, domicile and place of business?RSA 402-B:3
What fee applies to a New Hampshire expedited adjuster license?RSA 402-B:11
What must the New Hampshire adjuster examination be broad enough to test, by statute?RSA 402-B:4
When is an insurance fraud investigator exempt from New Hampshire adjuster licensing?RSA 402-B:2, III
When may the New Hampshire commissioner issue an expedited adjuster license?RSA 402-B:11
When must a New Hampshire adjuster exhibit the license to a claimant, witness or other informant?RSA 402-B:9
Which claims are in New Hampshire's definition of an "insurance claims adjuster"?RSA 402-B:2, II
Which person does RSA 402-B:2 exempt from the adjuster chapter?RSA 402-B:2, III
Discipline, records and fraud 22
A cease and desist order under RSA 417:12 becomes final when the show cause period expires or on which other event?RSA 417:12, IV
A corporation acts as a claims adjuster in New Hampshire without a license. How does RSA 402-B:13 class the offense?RSA 402-B:13
A document in a New Hampshire claim file shows two dates and the company has no written procedure on the point. Which is the date of receipt?RSA 400-B:5, III
A licensed New Hampshire adjuster tells a witness he works for a different company than he does. What does RSA 402-B:13 make of that?RSA 402-B:13
A natural person acts as an insurance claims adjuster in New Hampshire without a license. What offense is that?RSA 402-B:13
A person convicted of insurance fraud on a workers' compensation policy application is barred from public works projects for at least how long?RSA 638:20, VI
An adjuster's insurance license was revoked in another state. What does that mean in New Hampshire?RSA 402-B:12, IX
Besides unlicensed adjusting, which act by a licensed adjuster does RSA 402-B:13 punish?RSA 402-B:13
The commissioner asks an adjuster for documents in an investigation under RSA 400-A:16. Instead of producing them within the 10 working days, what may the adjuster do?RSA 400-A:16, II
The commissioner charges an unfair practice not defined in the statute. The hearing may not be held sooner than how long after the notice is served?RSA 417:12, I
Does New Hampshire's insurance fraud statute reach a false statement made orally to an adjuster?RSA 638:20, II
Failure to comply with which kind of order is good cause against an adjuster's license under RSA 402-B:12?RSA 402-B:12, XII
For how long must a claim file and its accompanying records be kept under RSA 400-B:5?RSA 400-B:5, I
For the insurance fraud statute, RSA 638:20, which of these is included in the word "insurer"?RSA 638:20, I
The fraudulent portion of a New Hampshire claim is $1,200. How does RSA 638:20 class the insurance fraud?RSA 638:20, IV
How clear must a New Hampshire claim file be?RSA 400-B:5, I
How may a party aggrieved by a cease and desist order under RSA 417:12 challenge it?RSA 417:12, V
Insurance fraud is a class A felony in New Hampshire when the fraudulent portion of the claim is worth more than what amount?RSA 638:20, IV
What is the largest administrative fine the commissioner may impose on a New Hampshire adjuster for each violation, for good cause shown?RSA 402-B:12
What must come before the commissioner suspends or revokes a New Hampshire adjuster's license for good cause?RSA 402-B:12
Which of these does RSA 400-B:5 list among the minimum contents of a property and casualty claim file?RSA 400-B:5, I
Which of these is named as good cause to act against a New Hampshire adjuster's license?RSA 402-B:12, XI
Claim handling time limits 29
A 30-day period under Ins 1002 ends on a Sunday. When does it end instead?Ins 1002.03
A New Hampshire claim stays open only because the insurer is waiting for documents it asked the insured for. What must the insurer send?Ins 1002.05
A New Hampshire fire insurer's written denial of coverage must tell the insured that a suit on the denial is barred unless begun within how long?RSA 407:15
A New Hampshire insurer wants to pay a claim by debit card. What must it have first?Ins 1002.08
A time limit in Ins 1002 does not say what kind of days it counts. What kind are they?Ins 1002.03
An insured asks the insurer not to pay a third party's claim. What may the insurer not do under Ins 1002.12?Ins 1002.12
An insurer acknowledges a claim by telephone and gives its toll free claims number. The claimant then asks for the acknowledgment in writing. How soon is it due?Ins 1002.05
Before denying coverage because the insured failed to meet a policy obligation, what must a New Hampshire insurer establish?Ins 1002.12
From which day is a time period under Ins 1002 counted?Ins 1002.03
How soon after notice of a claim must a New Hampshire insurer's procedures have the investigation started?Ins 1002.05
How soon must a New Hampshire property and casualty insurer reply to a claims communication from an insured or claimant?Ins 1002.04
The Insurance Department notice in a New Hampshire claim denial must be in bold type of at least what size?Ins 1002.05
The Insurance Department sends an insurer an inquiry about a claim. What is due within 10 working days?Ins 1002.04
May a New Hampshire insurer refuse advance payments on a claim because the claimant has retained an attorney?Ins 1002.08
May an insurer be found in violation of RSA 417:4, XV solely because of the numbers and types of complaints against it?RSA 417:4, XV
Notice of a claim to an insurer's appointed producer counts as notice to the insurer unless the producer says, within how long, that it is not authorized to receive claim notices?Ins 1002.04
Once an insurer and a claimant agree on a New Hampshire property and casualty claim, how soon must it be paid?Ins 1002.05
Part of a New Hampshire claim is undisputed and part is disputed. What does Ins 1002.07 require?Ins 1002.07
The reason for delay on a New Hampshire claim is suspected fraud. What may the delay letter say and still be sufficient?Ins 1002.05
Unless a delay letter is sent, within how long of receiving notice of a claim must a New Hampshire property and casualty insurer make and communicate a complete decision?Ins 1002.05
What must a New Hampshire delay letter set out?Ins 1002.05
What must a written denial of a New Hampshire property and casualty claim give the insured or claimant?Ins 1002.06
What must every New Hampshire property and casualty insurer put on all claim forms and correspondence?Ins 1002.11
What must go with every New Hampshire property and casualty claim payment, on the check, draft or in a letter?Ins 1002.06
When is the delay letter of Ins 1002.05 not required?Ins 1002.05
Which act by an adjuster representing the insurer is listed as an unfair claim settlement practice in RSA 417:4, XV?RSA 417:4, XV
Which claims are outside New Hampshire's property and casualty claim settlement rule, Ins 1002?Ins 1002.01
Which complaints must an insurer's complaint record cover under RSA 417:4, XV?RSA 417:4, XV
Which of its duties under Ins 1002 may an insurer ask an insured or claimant to waive?Ins 1002.05
Total loss, repair and rental rules 20
A claimant entitled to a rental car has no insurance of the kind the rental company requires. Who pays for that coverage under Ins 1002.13?Ins 1002.13
A New Hampshire claimant chooses to keep a total loss vehicle. How is the settlement payment figured?Ins 1002.15
A New Hampshire claimant disputes a total loss value. Within how long of receiving the settlement payment must the claimant present evidence of a higher value?Ins 1002.15
A New Hampshire total loss value may rest on documented sales of the same make, model and year. How recent must the sales be?Ins 1002.15
After a New Hampshire insurer makes its total loss offer, the right to a rental runs for the policy period for insureds or for how many business days after the offer, whichever is earlier?Ins 1002.15
An adjuster negotiates a repair agreement with a contractor on the insurer's behalf. What must the settlement provide for?Ins 1002.16
An insurer and the claimant's chosen independent repair shop cannot agree on a price. To what may the insurer's payment be limited under Ins 1002.17?Ins 1002.17
An insurer recovers through subrogation on a New Hampshire claim. What must it do with the insured's portion?Ins 1002.19
An insurer's appraisal prices a home repair, and on request the insurer cannot name a contractor willing to do the work for that price. Who bears the fair and reasonable cost above the appraisal?Ins 1002.16
For how many damage estimates on a motor vehicle claim may the insured or claimant be made to bear the cost?Ins 1002.14
How does Ins 1002 define "fair market value"?Ins 1002.02
How many documented sales of the same make, model and year, at the least, must such a total loss valuation use?Ins 1002.15
In valuing a non-vehicle total loss, what must a New Hampshire insurer count as an element of damages?Ins 1002.09
Is the "local market area" of Ins 1002 limited to New Hampshire?Ins 1002.02
Liability is clear on a New Hampshire motor vehicle property damage liability claim. What must the insurer immediately tell the claimant?Ins 1002.13
On a jewelry claim, what must a New Hampshire insurer's settlement offer tell the insured about appraisal?Ins 1002.18
Once the conditions for waiving a collision deductible are found to be met, how soon must a New Hampshire insurer pay the deductible?Ins 1002.19
What may an adjuster not do to influence an insured's choice of contractor under Ins 1002.16?Ins 1002.16
What must go with a total loss settlement offer under Ins 1002.15?Ins 1002.15
Where must a New Hampshire insurer value non-vehicle property that is a total loss?Ins 1002.09
How this list was compiled: New Hampshire Revised Statutes Annotated: RSA 402-B (insurance claims adjusters), RSA 400-A:16, RSA 400-B:5, RSA 407:15, RSA 417:4, XV and RSA 417:12 (Title XXXVII, Insurance) and RSA 638:20 (insurance fraud), read on October 15, 2026 on the General Court's website (https://gc.nh.gov/rsa/html/nhtoc.htm); and the Insurance Department's rules Ins 1002 (claim settlement for property and casualty insurance) and Ins 1302.04 (continuing education) in the New Hampshire Code of Administrative Rules (https://gc.nh.gov/rules/state_agencies/ins1000.html and https://gc.nh.gov/rules/state_agencies/ins1300.html), read the same day. The topics follow the Insurance Regulation part of the content outline for the New Hampshire Adjuster's Property and Casualty Insurance Laws and Regulations exam, Series 12-83 (40 items, 1 hour), linked from the State of New Hampshire Insurance Department Candidate Information Bulletin dated August 4, 2026 (the bulletin: https://test-takers.psiexams.com/api/content/bulletin/12119; the outline: http://proctor2.psionline.com/programs/nhins/propcasalr.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 New Hampshire adjuster license practice test asks the state law on the adjuster exams: 101 of our own questions from RSA 402-B and the Insurance Department's claim rules. Not affiliated with the New Hampshire Insurance Department.
Read the full guide
Three adjuster exams
The candidate bulletin dated August 4, 2026 lists the Adjuster's Property and Casualty exam, Series 12-75, a workers' compensation adjuster exam, Series 12-76, and the Adjuster's Property and Casualty Laws and Regulations exam, Series 12-83.
The part asked here
Series 12-83 gives 25 percent to insurance regulation: licensing under RSA 402-B, records, discipline and the claim settlement rules of Ins 1002. The topics here follow that part. The other 75 percent, on property and casualty law, is asked on the New Hampshire property and casualty page.
Timed like Series 12-83
The timed test takes that exam's 40 questions and 1 hour, all on the law.
Acknowledge a claim in 10 working days, start investigating in 5, decide within 30 days or send a delay letter (Ins 1002.05).
Adjusting without a license is a misdemeanor for a natural person and a felony for any other person (RSA 402-B:13).
A claim file is kept for the calendar year the claim closes plus 5 years (RSA 400-B:5).
Questions and answers
How many questions are on the New Hampshire adjuster exam?
The Adjuster's Property and Casualty exam, Series 12-75, has 150 items in 2.5 hours. The Laws and Regulations exam for adjusters, Series 12-83, has 40 items in 1 hour. The bulletin says 5 to 10 unscored experimental questions may be added.
What score passes the New Hampshire adjuster exam?
The candidate bulletin dated August 4, 2026 prints no pass mark. It says your score is displayed on screen at the end of the examination and a score report is emailed to you.
Who needs an adjuster license in New Hampshire?
Anyone who investigates, negotiates or settles property, casualty or workers' compensation claims on New Hampshire risks for an insurer, employed or under contract (RSA 402-B:1, 402-B:2). Attorneys, clerical staff and those who handle only automobile glass claims are among the exempt.
Does New Hampshire require continuing education for adjusters?
Yes. RSA 402-B:5-a requires 24 hours every 2 years, at least 3 in adjuster ethics; adjusters with workers' compensation authority need 10 workers' compensation hours. A nonresident who meets the home state's requirement owes nothing more.
Is this New Hampshire adjuster license practice test free?
Yes. All 101 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 New Hampshire Insurance Department did not write or review them.