A business entity has an office in Pennsylvania. Which public adjuster license does it apply for?63 P.S. § 1602.1(b) (Act 72 of 1983)
A license applicant receives profit from a salvage business. What does 63 P.S. § 1602(d) provide?63 P.S. § 1602(d) (Act 72 of 1983)
A person asks for reinstatement more than 60 days after the lapse date and has no extenuating circumstance. What must the person do?63 P.S. § 1602.4(c) (Act 72 of 1983)
A public adjuster finishes more course credits than one license period requires. Up to how many of the extra credit hours move to the next period?63 P.S. § 1602.4(b) (Act 72 of 1983)
A public adjuster plans to trade under a fictitious name instead of the name printed on the license. Which step does Act 72 put first?Act 72 of 1983, section 2.3
Act 72 leaves one of these four people out of its meaning of "public adjuster". Which one?63 P.S. § 1601 (Act 72 of 1983)
Act 72 ties renewal of an individual public adjuster license to how many credit hours of approved courses in each two-year license period?63 P.S. § 1602.4(b) (Act 72 of 1983)
Show all 86 questions (79 more)
License, renewal and bond, continued
An insured sues on a public adjuster's bond. Within what time after the performance and final settlement of the contract must the suit be commenced?63 P.S. § 1604(c) (Act 72 of 1983)
For a corporation to be licensed as a public adjuster, who must hold individual public adjuster licenses?63 P.S. § 1602.2(b) (Act 72 of 1983)
From whom must a person procure a license before acting as a public adjuster in Pennsylvania?63 P.S. § 1602(a) (Act 72 of 1983)
How does the Public Adjuster Licensing Law treat temporary or emergency repairs made to protect the insured property?63 P.S. § 1601 (Act 72 of 1983)
May a retiring public adjuster hand the license over to a partner in the firm?Act 72 of 1983, section 2.3
On what ground may the department deny a nonresident license to an adjuster who is licensed in a home state?63 P.S. § 1602.5(a) (Act 72 of 1983)
The recovery on a public adjuster's bond is too small to pay every creditor in full. How is it divided?63 P.S. § 1604(c) (Act 72 of 1983)
Under Pennsylvania's Public Adjuster Licensing Law, a public adjuster is paid for giving advice or assistance in adjusting claims to whom?63 P.S. § 1601 (Act 72 of 1983)
What age must an individual have reached to be issued a Pennsylvania public adjuster license?63 P.S. § 1602.2(a) (Act 72 of 1983)
What is a public adjuster's "home state" in 63 P.S. § 1601?63 P.S. § 1601 (Act 72 of 1983)
What is the lapsed license renewal fee in 63 P.S. § 1602.4(e)?63 P.S. § 1602.4(e) (Act 72 of 1983)
What is the longest term for which the department may issue a public adjuster license under Act 72?Act 72 of 1983, section 2.3
What is the minimum penal sum of the bond a licensed public adjuster delivers to the Insurance Commissioner?63 P.S. § 1604(a) (Act 72 of 1983)
What must an individual applicant submit so the department can receive national criminal history records information?63 P.S. § 1602.1(a) (Act 72 of 1983)
What nonrefundable fee accompanies an application for a resident or nonresident public adjuster license?63 P.S. § 1602.1(c) (Act 72 of 1983)
When a lapsed license is reinstated on a timely and complete request, when is the reinstatement effective?63 P.S. § 1602.4(c) (Act 72 of 1983)
When must a licensed public adjuster execute and deliver the bond?63 P.S. § 1604(a) (Act 72 of 1983)
Which circumstance does 63 P.S. § 1602.4(d) name as a reason a licensee may ask the department to waive the renewal requirements?63 P.S. § 1602.4(d) (Act 72 of 1983)
Which licensee has no continuing education requirement under 63 P.S. § 1602.4(b)?63 P.S. § 1602.4(b) (Act 72 of 1983)
Within how many days of the license renewal date may a licensee with a lapsed license ask the department to reinstate it?63 P.S. § 1602.4(c) (Act 72 of 1983)
Contract and the insured's rights 21
A public adjuster owns part of a construction firm that will estimate the insured's repairs. What does section 3.1 of Act 72 require?Act 72 of 1983, section 3.1
Act 72 puts one kind of claim wholly off limits to a public adjuster. Which of these is it?63 P.S. § 1605(c) (Act 72 of 1983)
Before acting for an insured, a public adjuster must have a written contract on a form approved by whom?63 P.S. § 1605(a) (Act 72 of 1983)
Before when may a public adjuster not assign the contract to a finance company, under 31 Pa. Code § 115.3(e)?31 Pa. Code § 115.3
The contract must disclose that the public adjuster is not a representative or employee of whom?63 P.S. § 1605(a.2) (Act 72 of 1983)
The contract must tell the insured of a right to rescind. For how long after signature does Act 72 give that right?63 P.S. § 1605(a.2) (Act 72 of 1983)
How must each disclosure item required in the contract be acknowledged?63 P.S. § 1605(a.2) (Act 72 of 1983)
How must the adjuster's consideration be expressed in the contract under 31 Pa. Code § 115.2(a)?31 Pa. Code § 115.2
In the Pennsylvania Code chapter on these contracts, which date is the "execution date"?31 Pa. Code § 115.1
May a public adjuster contract impose late fees or collection costs on the insured?31 Pa. Code § 115.2
On whose claims may a public adjuster work under 63 P.S. § 1605(b)?63 P.S. § 1605(b) (Act 72 of 1983)
Under 31 Pa. Code § 115.2(b), in which way may the contract not let the adjuster collect the fee?31 Pa. Code § 115.2
What must the contract explain about where the public adjuster's fees come from?63 P.S. § 1605(a.2) (Act 72 of 1983)
What must the contract say the adjuster will give the insured about the loss?63 P.S. § 1605(a.2) (Act 72 of 1983)
What must the public adjuster do with one copy of each executed contract?63 P.S. § 1605(a) (Act 72 of 1983)
When may a public adjuster first contract with the insured to repair or restore the damaged property?63 P.S. § 1605(d) (Act 72 of 1983)
Which contract term does 31 Pa. Code § 115.2(b) forbid?31 Pa. Code § 115.2
Which is a ground on which the department shall disapprove a contract form under 63 P.S. § 1605(a)?63 P.S. § 1605(a) (Act 72 of 1983)
Who may rescind a contract with a public adjuster under 63 P.S. § 1605(a.1)?63 P.S. § 1605(a.1) (Act 72 of 1983)
Whom does 31 Pa. Code § 115.4 bar from inducing an insured to cancel an existing public adjuster contract?31 Pa. Code § 115.4
Within how many business days must a public adjuster communicate an insurer's settlement offers to the insured in writing?31 Pa. Code § 115.9
Prohibited acts and penalties 17
A licensee closes the office without the commissioner's permission. A closing in excess of how many days is a ground for discipline?63 P.S. § 1606(a)(9) (Act 72 of 1983)
A public adjuster moves the office. Act 72 makes late notice to the department a ground for discipline after how many days?63 P.S. § 1606(a)(18) (Act 72 of 1983)
A public adjuster pays an employee of the insured to steer the insured into signing a contract. How does 63 P.S. § 1606(a) treat the payment?63 P.S. § 1606(a)(6) (Act 72 of 1983)
A public adjuster uses another person to solicit business. What responsibility does 63 P.S. § 1606(d) place on the adjuster?63 P.S. § 1606(d) (Act 72 of 1983)
Can the commissioner impose the civil penalty of 63 P.S. § 1606(b) on a person who never held a license?63 P.S. § 1606(b) (Act 72 of 1983)
How does 63 P.S. § 1607 grade a willful material misrepresentation of the terms and effect of an insurance contract?63 P.S. § 1607 (Act 72 of 1983)
Soliciting business during a fire or severe storm is a ground for discipline. How long is the event presumed to be in progress?63 P.S. § 1606(a)(19) (Act 72 of 1983)
To which court may a party aggrieved by the commissioner's action under the act appeal?63 P.S. § 1606(c) (Act 72 of 1983)
Under which law may the Attorney General seek a civil penalty and an injunction for a violation of the Public Adjuster Licensing Law?Act 72 of 1983, section 7.1
What fine applies on conviction of a misdemeanor violation of the Public Adjuster Licensing Law?63 P.S. § 1607 (Act 72 of 1983)
What is the largest civil penalty the Insurance Commissioner may impose for each violation of the Public Adjuster Licensing Law?63 P.S. § 1606(b) (Act 72 of 1983)
When may a public adjuster receive compensation from a firm that repairs the damaged property, without it being a ground for discipline?63 P.S. § 1606(a)(7) (Act 72 of 1983)
Where is an action to stop a person from public adjusting without a license brought under 63 P.S. § 1608(b)?63 P.S. § 1608(b) (Act 72 of 1983)
Which act by a public adjuster is a ground for fine, suspension or revocation under 63 P.S. § 1606(a)?63 P.S. § 1606(a)(20) (Act 72 of 1983)
Which of these is a ground for discipline of a public adjuster under 63 P.S. § 1606(a)?63 P.S. § 1606(a)(15) (Act 72 of 1983)
Within how long after entering into a contract must a public adjuster notify the insured's insurer, or risk discipline under 63 P.S. § 1606(a)?63 P.S. § 1606(a)(21) (Act 72 of 1983)
Written notice of an alleged violation fixes a hearing at least how many days later?63 P.S. § 1606(c) (Act 72 of 1983)
Claim settlement law 21
A first-party claimant sends in properly executed proofs of loss. How many working days later must the insurer have said yes or no to the claim?31 Pa. Code § 146.7
A notice of violation under the Unfair Insurance Practices Act sets a hearing not less than how many days from the date of the notice?40 P.S. § 1171.8(a) (Unfair Insurance Practices Act)
After a policy on an owner-occupied private residence has been in force how long does 40 P.S. § 1171.5(a)(9) limit the reasons for cancelling it?40 P.S. § 1171.5(a)(9) (Unfair Insurance Practices Act)
An insurer keeps doing what a section 9 order told it to stop. What caps the civil penalty for each breach while the order is in effect?40 P.S. § 1171.11 (Unfair Insurance Practices Act)
An insurer learns of a loss and starts to look into it. Unless more time is truly needed, how many days does 31 Pa. Code § 146.6 allow from notification?31 Pa. Code § 146.6
An investigation is still open after the first 30 days. Every how many days after that must the insurer give the claimant a written explanation of the delay?31 Pa. Code § 146.6
Before denying a claim for failure to exhibit the damaged property, what must the insurer have?31 Pa. Code § 146.4
The commissioner determines by hearing that a person broke the Unfair Insurance Practices Act. Which remedy does section 9 put in the commissioner's hands?40 P.S. § 1171.9 (Unfair Insurance Practices Act)
How detailed must an insurer's claim file be under 31 Pa. Code § 146.3?31 Pa. Code § 146.3
How many days before a policy time limit may expire must an insurer warn an unrepresented first-party claimant in writing?31 Pa. Code § 146.7
How often must an insurer do something on the list in 40 P.S. § 1171.5(a)(10) before the conduct counts as unfair?40 P.S. § 1171.5(a)(10) (Unfair Insurance Practices Act)
The Insurance Department writes to an insurer about a claim. How many working days does 31 Pa. Code § 146.5 allow for an adequate response?31 Pa. Code § 146.5
May an insurer refuse to settle a first-party claim on the basis that someone else should assume the payment?31 Pa. Code § 146.7
Notice of a claim reaches an insurer, which does not pay at once. How many working days does 31 Pa. Code § 146.5 give it to acknowledge the notice?31 Pa. Code § 146.5
Section 11 of the Unfair Insurance Practices Act sets its higher ceiling for conduct an insurer knew, or reasonably should have known, to be forbidden. What is the figure for each instance?40 P.S. § 1171.11 (Unfair Insurance Practices Act)
The Unfair Insurance Practices Act calls for a running record of complaints. How far back must the record reach?40 P.S. § 1171.5(a)(11) (Unfair Insurance Practices Act)
What is a "complaint" for the complaint record required by the Unfair Insurance Practices Act?40 P.S. § 1171.5(a)(11) (Unfair Insurance Practices Act)
What must a denial based on a specific policy exclusion include, under 31 Pa. Code § 146.7(a)?31 Pa. Code § 146.7
What release may an insurer not ask a first-party claimant to sign, under 31 Pa. Code § 146.4?31 Pa. Code § 146.4
Which conduct among the choices below does 40 P.S. § 1171.5(a)(10) name?40 P.S. § 1171.5(a)(10) (Unfair Insurance Practices Act)
Which is a "claim" as 31 Pa. Code § 146.2 defines the word?31 Pa. Code § 146.2
How this list was compiled: The Public Adjuster Licensing Law, Act 72 of 1983 as amended by Act 21 of 2012 (63 P.S. §§ 1601 to 1608), and the Unfair Insurance Practices Act, Act 205 of 1974 (40 P.S. §§ 1171.1 to 1171.15), read on October 12, 2026 on the Pennsylvania General Assembly's site (https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1983/0/0072..HTM and https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1974/0/0205..HTM); 31 Pa. Code Chapter 115 (Public Adjuster Contracts) and Chapter 146 (Unfair Claims Settlement Practices), read the same day in the Pennsylvania Code (https://www.pacodeandbulletin.gov). The topics follow the Pennsylvania law lines of the Insurance Regulation section of the content outline for the Pennsylvania Public Insurance Adjuster Examination, Series 16-19, which the examination administrator for the Pennsylvania Insurance Department publishes at https://proctor2.psionline.com/programs/pains/16-19.pdf. Each question names its section and links to the text. 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 public insurance adjuster PA practice test asks the state-law lines of the Pennsylvania Public Insurance Adjuster Examination, Series 16-19: 86 of our own questions, each naming its section. Not affiliated with the Pennsylvania Insurance Department.
Read the full guide
Which lines of Series 16-19 these are
Insurance Regulation is 15 percent of the outline: the Public Adjuster Licensing Law (63 P.S. 1601 to 1608), the contract rules of 31 Pa. Code Chapter 115 and claim settlement law. The topics here follow those lines. Policy forms and the adjustment process are not asked.
PA public adjuster license study guide: the act over the regulation
Act 21 of 2012 rewrote the licensing law and set aside regulations that conflict with it. Chapter 115 still prints a four-day cancellation notice where the act gives a shorter time to rescind, and the act allows two calendar days to notify the insurer. The questions ask the act.
A public adjuster may not act in any manner on claims for personal injury or automobile property damage (63 P.S. 1605(c)).
The bond is at least $20,000 and is delivered before any business is transacted (63 P.S. 1604).
Soliciting while emergency responders are still at the scene is a ground for discipline (63 P.S. 1606(a)(19)).
Questions and answers
How many questions are on the PA public adjuster exam?
60 items in 80 minutes, by the content outline for the Pennsylvania Public Insurance Adjuster Examination, Series 16-19. The outline prints no pass mark, so this page gives none.
How long does an insured have to cancel a public adjuster contract in Pennsylvania?
Three calendar days after signature. The contract must disclose that right, and the insured and the public adjuster each sign or initial the disclosure (63 P.S. 1605(a.2)).
How much continuing education does a Pennsylvania public adjuster need?
24 credit hours of approved continuing education for each two-year license period. Up to 24 excess hours carry forward to the next period, and a business entity has no requirement (63 P.S. 1602.4(b)).
Is this PA public adjuster practice test free?
Yes. All 86 questions are open, and your answers stay in your browser. The questions were written for this page from the act and the Pennsylvania Code; none comes from the exam, and the Pennsylvania Insurance Department did not write or review them.