A licensed producer who did not place the policy wants to act for the insured outside the act. What does N.J.S.A. 17:22B-4 require?N.J.S.A. 17:22B-4(b)
An individual is paid a commission to solicit property claims for a licensed public adjuster. How does N.J.S.A. 17:22B-2 treat that individual?N.J.S.A. 17:22B-2
An insurance producer was the broker of record in placing the policy. What does N.J.S.A. 17:22B-4 say about that producer adjusting a loss under it?N.J.S.A. 17:22B-4(b)
The definition in N.J.S.A. 17:22B-2 turns on whose side the adjuster is on. Whose?N.J.S.A. 17:22B-2
Does a licensed New Jersey public adjuster need any other license to act as an adjuster?N.J.S.A. 17:22B-3(c)
The license of a corporation names one of its directors as a sublicensee. On whose behalf may that director adjust claims?N.J.S.A. 17:22B-5
N.J.S.A. 17:22B-4 exempts some people who handle claims. Which of these four is exempt?N.J.S.A. 17:22B-4(a)
What may an insurer's representative not do under N.J.S.A. 17:22B-4?N.J.S.A. 17:22B-4(a)
When is a New Jersey attorney who helps adjust insurance claims outside the act?N.J.S.A. 17:22B-4(b)
Show all 78 questions (69 more)
Who needs a license, continued
Which business is outside the act when it helps adjust a motor vehicle insurance claim as an incident to its licensed work?N.J.S.A. 17:22B-4(b)
Which policy does N.J.S.A. 17:22B-2 name among the property insurance policies a public adjuster's work covers?N.J.S.A. 17:22B-2
Which two qualities does N.J.S.A. 17:22B-5 look for before the commissioner may grant the license?N.J.S.A. 17:22B-5
Whom may a license issued to a corporation name as sublicensees?N.J.S.A. 17:22B-5
Whom may a license issued to a firm or association name as sublicensees?N.J.S.A. 17:22B-5
Application, examination, renewal and bond 25
A license is revoked. What must the person who holds it do?N.J.S.A. 17:22B-19(a)
A license that must be returned has been lost. What may the commissioner accept in its place?N.J.S.A. 17:22B-19(b)
An applicant has a criminal record. Which kind of conviction closes the door under N.J.S.A. 17:22B-6?N.J.S.A. 17:22B-6(b)
The commissioner may ask for evidence of preliminary training. Employment with which of these counts under N.J.S.A. 17:22B-6(d)?N.J.S.A. 17:22B-6(d)
Fingerprints of both hands go in with the application. What else must each individual who signs it send the commissioner?N.J.S.A. 17:22B-6(b)
For what period is the term of all New Jersey public adjuster licenses?N.J.S.A. 17:22B-9
For what period may a license as a temporary sublicensee be issued on the occasion of a catastrophic loss occurrence?N.J.S.A. 17:22B-11(b)
For which reason may the commissioner waive continuing education for an individual under N.J.S.A. 17:22B-10(c)?N.J.S.A. 17:22B-10(c)
For whom may the commissioner provide for the waiving of fees under N.J.S.A. 17:22B-18?N.J.S.A. 17:22B-18(d)
For whose use and benefit is the bond made to the State of New Jersey?N.J.S.A. 17:22B-12
How large is the bond that N.J.S.A. 17:22B-12 requires for a licensee and its sublicensees?N.J.S.A. 17:22B-12
The Public Adjusters' Licensing Act sets a floor for the course hours behind each biennial renewal. What is the floor?N.J.S.A. 17:22B-10(a)
Under whom must a temporary sublicensee work?N.J.S.A. 17:22B-11(b)
What does a supplemental license do for a licensed corporation?N.J.S.A. 17:22B-11(a)
What fee is required for a license as a temporary sublicensee?N.J.S.A. 17:22B-11(b)
What happens to the license fee if the application is denied?N.J.S.A. 17:22B-9
When is the written examination not required of a licensee?N.J.S.A. 17:22B-7(a)
When may the commissioner waive the continuing education rule for a nonresident licensee?N.J.S.A. 17:22B-10(d)
Which is a "catastrophic loss occurrence" under N.J.S.A. 17:22B-11?N.J.S.A. 17:22B-11(b)
Which item may the commissioner require a license applicant to present under N.J.S.A. 17:22B-6(c)?N.J.S.A. 17:22B-6(c)
Who approves the form of a public adjuster's bond?N.J.S.A. 17:22B-12
Who bears full responsibility that a temporary sublicensee complies with the act?N.J.S.A. 17:22B-11(b)
Who must take and pass the written examination under N.J.S.A. 17:22B-7?N.J.S.A. 17:22B-7(a)
Whom may the commissioner excuse from the written test under N.J.S.A. 17:22B-7(b)?N.J.S.A. 17:22B-7(b)
Whose property is a public adjuster license at all times?N.J.S.A. 17:22B-19(a)
Solicitation, contract and escrow 23
A public adjuster becomes insolvent while holding an insured's settlement money. What is the insured's claim to that money?N.J.S.A. 17:22B-13(f)
A settlement check for the insured reaches the adjuster first. Where does N.J.S.A. 17:22B-13(f) send the money?N.J.S.A. 17:22B-13(f)
After a cancellation, within how many business days must money the insured gave the public adjuster be returned?N.J.S.A. 17:22B-13.1(b)
After a timely cancellation the adjuster seeks repayment of emergency out-of-pocket expenses the insured approved. What must the adjuster provide?N.J.S.A. 17:22B-13.1(b)
An adjuster did the work on a handshake and now wants the insured to pay. What footing does N.J.S.A. 17:22B-13(c) demand for any compensation?N.J.S.A. 17:22B-13(c)
An insurer will pay a dwelling claim in two payments and the adjuster is paid a percentage. Which contract term is barred?N.J.S.A. 17:22B-13.1(c)
Does N.J.S.A. 17:22B-13.1 require one particular form of contract?N.J.S.A. 17:22B-13.1(a)
During the 24 hours after a loss, between which hours may a licensee not solicit its adjustment from the insured?N.J.S.A. 17:22B-13(a)
For each of the two signatures on the contract, what must be written down?N.J.S.A. 17:22B-13.1(a)
How many original contracts are executed under N.J.S.A. 17:22B-13.1, and where do they go?N.J.S.A. 17:22B-13.1(a)
How must services provided by the public adjuster be accounted for, as the contract must state?N.J.S.A. 17:22B-13.1(a)
The insured terminates the contract after the third business day. What does the insured remain obligated to pay?N.J.S.A. 17:22B-13.1(a)
May a licensee enter into a contract with an insured at 7:00 p.m. on the evening of the loss?N.J.S.A. 17:22B-13(b)
May a percentage contract on a primary dwelling keep the insured from pursuing civil remedies?N.J.S.A. 17:22B-13.1(c)
On what may a licensed public adjuster not advise any person in the course of business as an adjuster?N.J.S.A. 17:22B-13(e)
On what notice may the commissioner inspect the original contract a public adjuster keeps on file?N.J.S.A. 17:22B-13.1(a)
One of these four items is on the list of required contents in N.J.S.A. 17:22B-13.1(a). Which?N.J.S.A. 17:22B-13.1(a)
Which act does N.J.S.A. 17:22B-13 forbid a licensee?N.J.S.A. 17:22B-13(d)
Which is a way the statutory notice lets the insured deliver a cancellation of the contract?N.J.S.A. 17:22B-13.1(b)
Which number must the contract state under N.J.S.A. 17:22B-13(c)?N.J.S.A. 17:22B-13(c)
Which term may a percentage contract on the insured's primary or secondary dwelling not contain?N.J.S.A. 17:22B-13.1(c)
Whose property are funds held in escrow, with the interest on them, until they are disbursed?N.J.S.A. 17:22B-13(f)
The written contract must spell out a window in which the insured may back out with no further obligation. How long is the window?N.J.S.A. 17:22B-13(c)
Discipline, penalties and fraud 16
A contractor, honestly and without malice, files the report that N.J.S.A. 17:33A-9 calls for. How does the section shield the contractor?N.J.S.A. 17:33A-9(b)
A corporation's license is revoked. When may one of its directors still be licensed during the waiting period?N.J.S.A. 17:22B-15
For how long after a revocation is the former licensee not entitled to any license or renewal license?N.J.S.A. 17:22B-15
How does N.J.S.A. 17:22B-17 count offenses for the civil penalty?N.J.S.A. 17:22B-17
How many calendar days from receipt of a penalty notice under the Insurance Fraud Prevention Act does a party have to request a hearing?N.J.S.A. 17:33A-5(c)
In a penalty action, what may the court order for a person who lost money through an unlawful act or practice?N.J.S.A. 17:22B-17
In which court is an action alleging the unlicensed practice of public adjuster brought?N.J.S.A. 17:22B-17
Someone comes to believe that claim fraud is under way. To which two offices does N.J.S.A. 17:33A-9 send the report?N.J.S.A. 17:33A-9(a)
What is the largest civil penalty for a first offense under the Public Adjusters' Licensing Act?N.J.S.A. 17:22B-17
What is the largest civil penalty for a first violation of the Insurance Fraud Prevention Act?N.J.S.A. 17:33A-5(b)
What is the largest civil penalty for a second or later offense under the Public Adjusters' Licensing Act?N.J.S.A. 17:22B-17
What must come before the commissioner suspends or revokes an adjuster's license?N.J.S.A. 17:22B-14(a)
Which conduct in presenting a claim breaks N.J.S.A. 17:33A-4?N.J.S.A. 17:33A-4(a)
Which is a ground to refuse, suspend or revoke a license under N.J.S.A. 17:22B-14?N.J.S.A. 17:22B-14(a)
Which showing about a licensee is a ground for revocation under N.J.S.A. 17:22B-14(a)(4)?N.J.S.A. 17:22B-14(a)
Who may file a verified complaint asking that an adjuster's license be suspended or revoked?N.J.S.A. 17:22B-14(b)
How this list was compiled: The Public Adjusters' Licensing Act, N.J.S.A. 17:22B-1 to 17:22B-20 (P.L.1993, c.66, as amended through P.L.2025, c.84), and the New Jersey Insurance Fraud Prevention Act, N.J.S.A. 17:33A-4, 17:33A-5 and 17:33A-9, read on October 12, 2026 in the New Jersey Legislature's statutes database (https://lis.njleg.state.nj.us/nxt/gateway.dll?f=templates&fn=default.htm&vid=Publish:10.1048/Enu; text file of October 10, 2026 from https://pub.njleg.state.nj.us/statutes/). The topics follow section 4.0, Public Adjustment Licensing Act, of the content outline for the New Jersey Public Adjuster Examination, which the examination administrator for the New Jersey Department of Banking and Insurance publishes at https://proctor2.psionline.com/programs/NJINS/PublicAdjustermarch29.pdf. Each question names its section. 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 NJ public adjuster practice test asks the licensing act part of the New Jersey Public Adjuster Examination: 78 of our own questions, each naming its section. Not affiliated with the New Jersey Department of Banking and Insurance.
Read the full guide
Which part of the exam this is
The outline has 70 items in four parts. Part 4, the Public Adjustment Licensing Act, has 20. The other 50 are property loss adjusting, insurance terms and policy forms, which are not asked here. Neither are the department's rules at N.J.A.C. 11:1-37.
The contract law changed in 2025
P.L.2025, c.84 added N.J.S.A. 17:22B-13.1: a written contract in duplicate, a separate notice of the right to cancel, and three terms a percentage-fee contract on a dwelling may not contain. The questions follow the amended text.
No soliciting and no contract between 6:00 p.m. and 8:00 a.m. during the 24 hours after a loss (N.J.S.A. 17:22B-13).
Settlement money goes into an escrow account and stays the insured's property until it is disbursed (N.J.S.A. 17:22B-13(f)).
The bond is $10,000, and the Attorney General approves its form (N.J.S.A. 17:22B-12).
Questions and answers
How many questions are on the NJ public adjuster exam?
70 items, with 3.5 hours allowed and a minimum passing score of 70 percent correct, by the content outline in the candidate information bulletin. The bulletin adds that 5 to 19 unscored experimental questions may be given.
How long does an insured have to cancel a public adjuster contract in New Jersey?
Until midnight of the third business day after signing, without further obligation. After that the insured may terminate at any time and owes a fee for the reasonable value of services out of any proceeds recovered (N.J.S.A. 17:22B-13.1).
How much continuing education does a New Jersey public adjuster need?
Not less than 15 hours for each biennial renewal, one credit for each hour of instruction. The commissioner may waive the hours for hardship such as illness or disability (N.J.S.A. 17:22B-10).
Is this NJ public adjuster practice test free?
Yes. All 78 questions are open, and your answers stay in your browser. The questions were written for this page from the statutes; none comes from the exam, and the New Jersey Department of Banking and Insurance did not write or review them.