A person investigates a property claim for pay on behalf of another public insurance adjuster in Texas. What is that person under Chapter 4102?Tex. Ins. Code Sec. 4102.001
A person takes no claims yet but advertises to the Texas public as an adjuster of property insurance claims. How does Chapter 4102 treat that person?Tex. Ins. Code Sec. 4102.001
A property management company's full-time salaried employee handles claims on the owner's buildings. Which fact would take that employee outside the Texas exemption?Tex. Ins. Code Sec. 4102.002
A Texas public insurance adjuster employs an engineer only to furnish technical assistance. Is the engineer exempt from Chapter 4102?Tex. Ins. Code Sec. 4102.002
A Texas residential property policy has an endorsement that forbids the insured to hire a public insurance adjuster. Is that provision allowed?Tex. Ins. Code Sec. 4102.007
Does a Texas public insurance adjuster license entitle its holder to practice law?Tex. Ins. Code Sec. 4102.003
Is a licensed Texas private investigator, acting within the scope of that license, exempt from the public insurance adjuster chapter?Tex. Ins. Code Sec. 4102.002
Show all 102 questions (95 more)
Who needs a license and who is exempt, continued
Is loss of income among the claims a Texas public insurance adjuster license covers?Tex. Ins. Code Sec. 4102.101
May a Texas insured present a property claim without hiring a public insurance adjuster?Tex. Ins. Code Sec. 4102.007
On whose behalf does a Texas public insurance adjuster settle a claim?Tex. Ins. Code Sec. 4102.001
What claims does a Texas public insurance adjuster license authorize its holder to adjust?Tex. Ins. Code Sec. 4102.101
What does Chapter 4102 say about transferring a Texas public insurance adjuster license?Tex. Ins. Code Sec. 4102.068
What does Section 4102.051 forbid a person without a license to do, besides acting as a public insurance adjuster in Texas?Tex. Ins. Code Sec. 4102.051
Which of these counts as a "person" who can hold a Texas public insurance adjuster license?Tex. Ins. Code Sec. 4102.001
Which Texas licensee may act for an insured on a loss without a public insurance adjuster license?Tex. Ins. Code Sec. 4102.051
Which worker does the Texas public insurance adjuster chapter not apply to?Tex. Ins. Code Sec. 4102.002
Qualifying, examination and renewal 24
A public insurance adjuster licensed in Texas moves from one state to another. How soon must the new address be filed with the department?Tex. Ins. Code Sec. 4102.112
A qualified candidate fails the Texas public insurance adjuster examination. What may the commissioner require before a retake?Tex. Ins. Code Sec. 4102.060
A Texas public insurance adjuster files a complete renewal on time and hears nothing yet. What is the status of the original license?Tex. Ins. Code Sec. 4102.064
A Texas public insurance adjuster license expired 60 days ago. What extra fee is due to renew it?Tex. Ins. Code Sec. 4102.065
A Texas resident applicant was convicted of a felony and never pardoned. Within how many years before the application does the conviction bar a license outright?Tex. Ins. Code Sec. 4102.053
A Texas resident applicant's felony conviction is 11 or more years old. What may the commissioner do?Tex. Ins. Code Sec. 4102.053
After how long expired does Chapter 4102 send a former Texas public insurance adjuster back to the examination?Tex. Ins. Code Sec. 4102.065
An applicant is licensed as a resident public insurance adjuster in a state that requires a written examination. What else must be true for Texas to waive its examination?Tex. Ins. Code Sec. 4102.058
Before a business entity organized in Texas can be licensed as a public insurance adjuster, who must hold an individual license?Tex. Ins. Code Sec. 4102.055
By when must a Texas public insurance adjuster submit a completed renewal application?Tex. Ins. Code Sec. 4102.064
For whom may the Texas commissioner waive the public insurance adjuster continuing education requirement?Tex. Ins. Code Sec. 4102.109
How far ahead of a Texas public insurance adjuster license's expiration must the department send written notice?Tex. Ins. Code Sec. 4102.063
How many hours of continuing education must a Texas public insurance adjuster complete in a license period?Tex. Ins. Code Sec. 4102.109
How old must an individual be to receive a Texas public insurance adjuster license?Tex. Ins. Code Sec. 4102.053
How soon after the Texas public insurance adjuster examination must the results be sent to the applicant?Tex. Ins. Code Sec. 4102.057
In what form does a Texas examinee give answers on the public insurance adjuster examination?Tex. Ins. Code Sec. 4102.060
Is an examination required to renew a Texas public insurance adjuster license?Tex. Ins. Code Sec. 4102.057
What may the Texas department charge a public insurance adjuster for filing a new address after a move to another state?Tex. Ins. Code Sec. 4102.112
What must accompany a completed, notarized application for a Texas public insurance adjuster license?Tex. Ins. Code Sec. 4102.052
What must each nonresident holder of a Texas public insurance adjuster license maintain in Texas?Tex. Ins. Code Sec. 4102.107
Which body of law must the Texas public insurance adjuster examination test, under Section 4102.057?Tex. Ins. Code Sec. 4102.057
Which lapsed Texas public insurance adjuster may not simply renew, yet can get a new license with no examination?Tex. Ins. Code Sec. 4102.065
Which of these must appear on a Texas public insurance adjuster license?Tex. Ins. Code Sec. 4102.061
Which tax law does Section 4102.114 single out for nonresident Texas public insurance adjusters to follow?Tex. Ins. Code Sec. 4102.114
Contract, commission and client funds 19
A Texas insured has authorized the public insurance adjuster to endorse claim checks for him. May the adjuster sign the check?Tex. Ins. Code Sec. 4102.104
A Texas insured signs with an unlicensed person acting as a public insurance adjuster and then voids the contract. What does the insured owe for services already rendered?Tex. Ins. Code Sec. 4102.207
A Texas insurer commits in writing to pay the policy limit soon after the loss is reported. Within what time does that bar a percentage commission?Tex. Ins. Code Sec. 4102.104
A Texas public insurance adjuster signs a contract and collects a commission with no intent to do the usual adjusting work. What does Chapter 4102 say?Tex. Ins. Code Sec. 4102.103
According to which document must a Texas public insurance adjuster prepare an insured's claim?Tex. Ins. Code Sec. 4102.102
Before acting as a public insurance adjuster on a Texas claim, what must the license holder have?Tex. Ins. Code Sec. 4102.103
Besides a surety bond, what may the Texas commissioner accept as a public insurance adjuster's financial responsibility?Tex. Ins. Code Sec. 4102.105
How does a Texas client rescind a public insurance adjuster contract?Tex. Ins. Code Sec. 4102.103
How long does a Texas client have to rescind a public insurance adjuster contract after signing?Tex. Ins. Code Sec. 4102.103
In how many copies is a Texas public insurance adjuster contract executed?Tex. Ins. Code Sec. 4102.103
In what capacity does a Texas public insurance adjuster hold claim proceeds received for an insured?Tex. Ins. Code Sec. 4102.111
What does the financial responsibility a Texas public insurance adjuster files have to cover?Tex. Ins. Code Sec. 4102.105
What is the most a Texas public insurance adjuster may receive in commission on a claim?Tex. Ins. Code Sec. 4102.104
What must a Texas public insurance adjuster applicant authorize the commissioner to see?Tex. Ins. Code Sec. 4102.111
When the insurer commits to pay the policy limit within 72 hours, what may a Texas public insurance adjuster still be paid?Tex. Ins. Code Sec. 4102.104
Where must a Texas public insurance adjuster keep one copy of each contract?Tex. Ins. Code Sec. 4102.103
Which form of commission may a Texas public insurance adjuster charge, within the cap?Tex. Ins. Code Sec. 4102.104
Which notice must a Texas public insurance adjuster contract display in 12-point boldface type?Tex. Ins. Code Sec. 4102.103
Who must be included as a payee on a draft or check paying Texas policy proceeds?Tex. Ins. Code Sec. 4102.104
Records, advertising and prohibited conduct 28
A contractor offers a Texas public insurance adjuster a fee for sending insureds its way. May the adjuster accept?Tex. Ins. Code Sec. 4102.164
A Texas insured asks the public insurance adjuster for legal advice about a coverage dispute. What does Chapter 4102 say?Tex. Ins. Code Sec. 4102.156
A Texas public insurance adjuster adjusts a claim and then helps rebuild the damaged property. How does Chapter 4102 treat that?Tex. Ins. Code Sec. 4102.158
A Texas public insurance adjuster learns private facts while working a claim. When may they be divulged to another person?Tex. Ins. Code Sec. 4102.153
A Texas public insurance adjuster represents the insurance carrier on a claim. What may the adjuster not do on that claim?Tex. Ins. Code Sec. 4102.158
A Texas roofing contractor holds a public insurance adjuster license. For which property may the contractor still not act as a public adjuster?Tex. Ins. Code Sec. 4102.163
An attorney asks a Texas public insurance adjuster to get an insured's signature on an attorney representation agreement. May the adjuster do it?Tex. Ins. Code Sec. 4102.158
An insured telephones a Texas public insurance adjuster at 10 p.m. on a Tuesday. May the adjuster take the call?Tex. Ins. Code Sec. 4102.152
During which weekday hours may a Texas public insurance adjuster solicit business on a loss?Tex. Ins. Code Sec. 4102.152
How long must a Texas public insurance adjuster keep the records of a transaction?Tex. Ins. Code Sec. 4102.110
May a Texas public insurance adjuster advance money to a potential client?Tex. Ins. Code Sec. 4102.160
May a Texas public insurance adjuster let an employee solicit clients in the employee's own name?Tex. Ins. Code Sec. 4102.155
May a Texas public insurance adjuster recommend a particular attorney to an insured?Tex. Ins. Code Sec. 4102.158
On a Sunday, when may a Texas public insurance adjuster begin soliciting business on a loss?Tex. Ins. Code Sec. 4102.152
On which loss may a Texas public insurance adjuster not act at all?Tex. Ins. Code Sec. 4102.157
To whom may a Texas public insurance adjuster not pay a fee for referring an insured?Tex. Ins. Code Sec. 4102.160
What does a Texas public insurance adjuster need before acquiring an interest in salvaged property from a claim the adjuster handled?Tex. Ins. Code Sec. 4102.158
What kind of place of business must a resident Texas public insurance adjuster maintain?Tex. Ins. Code Sec. 4102.106
What may a Texas public insurance adjuster not use in connection with the business?Tex. Ins. Code Sec. 4102.154
What may a Texas public insurance adjuster not use to win a contract to adjust a claim?Tex. Ins. Code Sec. 4102.159
What may a Texas public insurance adjuster's letterhead not represent the adjuster to be?Tex. Ins. Code Sec. 4102.161
What must every advertisement by a Texas public insurance adjuster display?Tex. Ins. Code Sec. 4102.113
When may a Texas public insurance adjuster advertise under a name other than the one on the license?Tex. Ins. Code Sec. 4102.162
When, whatever the hour, may a Texas public insurance adjuster not solicit a client?Tex. Ins. Code Sec. 4102.151
Where must a Texas public insurance adjuster keep the required transaction records?Tex. Ins. Code Sec. 4102.110
Where must a Texas public insurance adjuster license be posted?Tex. Ins. Code Sec. 4102.108
Which criminal statute must a Texas public insurance adjuster know and act in conformance with at all times?Tex. Ins. Code Sec. 4102.158
Which item must be in a Texas public insurance adjuster's record of each transaction?Tex. Ins. Code Sec. 4102.110
Discipline and penalties 15
A nonresident holder of a Texas public insurance adjuster license does not keep proper records. What may happen after notice and a hearing?Tex. Ins. Code Sec. 4102.114
A Texas public insurance adjuster lets the required financial responsibility lapse. What may the commissioner do ex parte?Tex. Ins. Code Sec. 4102.208
A Texas public insurance adjuster license is revoked for cause. What must the holder do with it?Tex. Ins. Code Sec. 4102.201
A Texas public insurance adjuster license is revoked. When may the person apply for a new one?Tex. Ins. Code Sec. 4102.202
A Texas public insurance adjuster license is suspended. When may the person apply for a new license?Tex. Ins. Code Sec. 4102.202
A Texas public insurance adjuster voluntarily surrenders the license. Can the department still bring a disciplinary proceeding for earlier conduct?Tex. Ins. Code Sec. 4102.203
How does the Texas department give sufficient notice to a public insurance adjuster under Chapter 4102?Tex. Ins. Code Sec. 4102.006
In place of suspending a Texas public insurance adjuster license, what administrative penalty may the commissioner impose per violation?Tex. Ins. Code Sec. 4102.204
The Texas commissioner believes a person is adjusting for insureds without a license. What order may be issued without a prior hearing?Tex. Ins. Code Sec. 4102.208
The Texas department proposes to revoke a public insurance adjuster license. What is the license holder entitled to?Tex. Ins. Code Sec. 4102.201
What grade of criminal offense is a violation of the Texas public insurance adjuster chapter?Tex. Ins. Code Sec. 4102.206
What is the longest suspension a Texas order may impose on a public insurance adjuster license?Tex. Ins. Code Sec. 4102.201
What must the Texas commissioner adopt by rule for public insurance adjusters under Section 4102.005?Tex. Ins. Code Sec. 4102.005
When may the Texas commissioner reinstate a revoked public insurance adjuster license?Tex. Ins. Code Sec. 4102.201
Which of these is a listed ground to revoke a Texas public insurance adjuster license?Tex. Ins. Code Sec. 4102.201
How this list was compiled: Texas Insurance Code, Chapter 4102, Public Insurance Adjusters (Sections 4102.001 to 4102.208), read on October 16, 2026 on Texas Constitution and Statutes, the Texas Legislature's own site (https://statutes.capitol.texas.gov/, file served from https://tcss.legis.texas.gov/resources/IN/htm/IN.4102.htm). The topics follow part IV, Texas Statutes and Rules Pertinent to Public Insurance Adjusting, of the Public Insurance Adjuster content outline (100 scoreable questions; effective September 1, 2026), which prints the Code references beside each topic; the Texas Department of Insurance's examination administrator publishes it at https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/124401.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 Texas public adjuster study guide is a practice test on the state-law part of the Public Insurance Adjuster exam: 102 of our own questions from Chapter 4102 of the Texas Insurance Code. Not affiliated with the Texas Department of Insurance.
Read the full guide
What the exam covers
The Public Insurance Adjuster outline, effective September 1, 2026, has four parts: property insurance product knowledge, insurance terms and related concepts, policy provisions, and Texas statutes and rules pertinent to public insurance adjusting. It prints no weights for them.
What this page asks
Part IV, from Chapter 4102: who needs a license, the examination and renewal, the contract and the commission cap, records, solicitation hours, conflicts of interest and discipline. The Title 28 rules cited beside the Code are not asked.
The contract form
The department's page for this license says an applicant either uses its Public Insurance Adjuster Contract, Form FIN535, or uploads a contract that meets Texas Administrative Code section 19.708.
The client may rescind by written notice within 72 hours of signing (Section 4102.103).
Solicit only 9 a.m. to 9 p.m. Monday to Saturday, noon to 9 p.m. on Sunday (Section 4102.152).
Each license period takes at least 24 hours of continuing education (Section 4102.109).
Questions and answers
How many questions are on the Texas public adjuster exam?
100 scoreable questions, by the Public Insurance Adjuster content outline effective September 1, 2026. The candidate handbook of October 2024 allots 120 minutes and gives a passing score of 70 on a scaled score from 0 to 100.
What bond does a Texas public adjuster need?
The Texas Department of Insurance asks for proof of a surety bond of $10,000 or more with the applicant as sole principal. Section 4102.105 lets the commissioner set the amount by rule and consider a professional liability policy.
How much can a public adjuster charge in Texas?
No more than 10 percent of the insurance settlement on the claim. No percentage commission is allowed when the insurer pays or commits in writing to pay the policy limit within 72 hours after the loss is reported (Section 4102.104).
Who does not need a Texas public insurance adjuster license?
Section 4102.051 exempts an attorney licensed in Texas who meets the experience requirement, and a property and casualty agent acting for an insured on a loss under a policy that agent issued. Section 4102.002 lists others, such as clerical office employees.