A holder of a nonresident Virginia public adjuster license moves into Virginia. For how long may the adjuster keep working under that license while applying for a resident one?Va. Code 38.2-1845.6(A)
A licensed insurance agent only gives a policyholder advice on a first party claim under a policy the agent sold. Is the agent public adjusting in Virginia?Va. Code 38.2-1845.1
A licensed public adjuster hires an engineer only to furnish technical assistance on a loss. Is the engineer outside the Virginia licensing article?Va. Code 38.2-1845.3
A nonresident public adjuster licensed in Virginia changes home state. How soon must a change of address be filed?Va. Code 38.2-1845.5(G)
A nonresident public adjuster's home-state license is revoked. What happens to the Virginia nonresident license?Va. Code 38.2-1845.5(H)
A public adjuster licensed in another state, with no Virginia license, becomes a Virginia resident. May that person adjust Virginia claims before the resident license is issued?Va. Code 38.2-1845.6(B)
A Virginia applicant must have passed the public adjuster examination within how long before applying for the license?Va. Code 38.2-1845.2(C)
Show all 119 questions (112 more)
Who needs a license, continued
A Virginia applicant registers for the examination and never takes it. After how long is the fee forfeited and the registration withdrawn?Va. Code 38.2-1845.4(B)
An applicant passes the Virginia examination but does not obtain the license within 183 calendar days. What happens to the grade?Va. Code 38.2-1845.4(C)
An officer of a licensed public adjusting firm personally adjusts claims in Virginia. What license does the officer need?Va. Code 38.2-1845.2(E)
Before a business entity is licensed as a public adjuster in Virginia, whom must it designate?Va. Code 38.2-1845.2(F)
By applying for a Virginia public adjuster license, whom does the applicant appoint as agent for service of process?Va. Code 38.2-1845.2(D)
For whom does a Virginia public adjuster work on a claim?Va. Code 38.2-1845.1
From what age can a person be a "vulnerable adult" under the Virginia public adjuster article?Va. Code 38.2-1845.1
How often must Virginia hold examinations for the public adjuster license?Va. Code 38.2-1845.4(A)
How old must an individual be to receive a Virginia public adjuster license?Va. Code 38.2-1845.2(B)
In Virginia public adjuster law, what makes an event a "catastrophic disaster"?Va. Code 38.2-1845.1
Is an adjuster who works as an independent contractor for insurers outside the Virginia public adjuster article?Va. Code 38.2-1845.3
What authority over an insurer does a Virginia public adjuster license create?Va. Code 38.2-1845.1
What does a Virginia public adjuster adjust?Va. Code 38.2-1845.1
What is the "unauthorized practice of public adjusting" in Virginia?Va. Code 38.2-1845.1
Which act, by itself, counts as public adjusting under the Virginia definition?Va. Code 38.2-1845.1
Which is a condition for a nonresident public adjuster license in Virginia?Va. Code 38.2-1845.5(A)
Which person is outside the Virginia public adjuster article altogether?Va. Code 38.2-1845.3
Who pays for the fingerprinting and criminal history record check of a Virginia public adjuster applicant?Va. Code 38.2-1845.2(C)
Renewal, bond and reports 20
A firm's only designated responsible public adjuster is removed. How long does the firm have to name a new one and notify the Commission before its license authority ends?Va. Code 38.2-1845.11(D)
A partnership licensed as a Virginia public adjuster is dissolved. What happens to its license?Va. Code 38.2-1845.11(B)
A resident Virginia public adjuster moves out of the Commonwealth without telling the Commission. When does the license authority end?Va. Code 38.2-1845.11(C)
A Virginia individual license terminated for failure to renew. Within how long can it be reinstated without a written examination?Va. Code 38.2-1845.8(E)
A Virginia public adjuster gets a new email address. What does the reporting section require?Va. Code 38.2-1845.17(A)
A Virginia public adjuster stops using an assumed name. What is required?Va. Code 38.2-1845.17(B)
A Virginia public adjuster was born in an even-numbered year. When does the individual license expire?Va. Code 38.2-1845.8(A)
A Virginia public adjuster's bond expires and no attestation of a new bond has been filed. What follows?Va. Code 38.2-1845.2(C)
A Virginia public adjuster's renewal application and fee are never received. What happens to the license?Va. Code 38.2-1845.8(A)
After deciding a renewal waiver request, how soon must the Commission give the public adjuster written notice?Va. Code 38.2-1845.8(F)
Another state's regulator takes administrative action against a Virginia-licensed public adjuster. When is the report to the Commission due?Va. Code 38.2-1845.17(D)
Besides the application and the fee, what must a Virginia public adjuster do to reinstate a license that was not renewed?Va. Code 38.2-1845.8(E)
By what date does a business entity renew its Virginia public adjuster license?Va. Code 38.2-1845.8(B)
How much prior written notice must be filed with the Commission before a Virginia public adjuster's bond is terminated?Va. Code 38.2-1845.2(C)
In whose favor is a Virginia public adjuster's bond written?Va. Code 38.2-1845.2(C)
What bond must a Virginia public adjuster keep in force?Va. Code 38.2-1845.2(C)
What must be included with a Virginia public adjuster's report of a felony conviction?Va. Code 38.2-1845.17(C)
What processing fee does Virginia charge to reinstate a public adjuster license that terminated for failure to renew?Va. Code 38.2-1845.8(E)
Which circumstance does the Virginia renewal section name as grounds to ask for a waiver of renewal requirements?Va. Code 38.2-1845.8(F)
Which conviction must a Virginia public adjuster report to the Commission?Va. Code 38.2-1845.17(C)
Contracts and fees 22
A Virginia contract names the public adjuster as copayee on the claim payment, with a fee that is a share of the settlement. What must the contract specify?Va. Code 38.2-1845.14(H)
A Virginia policyholder signs a public adjusting contract with a person who has no license. What may the policyholder do?Va. Code 38.2-1845.13(E)
According to the separate disclosure document a Virginia public adjuster gives the policyholder, who owes the adjuster's fee?Va. Code 38.2-1845.13(B)
According to the Virginia disclosure document, whom may the policyholder contact for the licensing status of the public adjuster?Va. Code 38.2-1845.13(B)
After receiving a notice to rescind, how soon must a Virginia public adjuster return anything of value the policyholder gave?Va. Code 38.2-1845.13(A)
An insurer commits in writing to pay the policy limit soon after a Virginia loss is reported. Within what time does that commitment bar the public adjuster's percentage commission?Va. Code 38.2-1845.14(I)
An insurer pays a Virginia claim in several checks. How may a public adjuster's percentage fee be collected?Va. Code 38.2-1845.14(E)
How does a Virginia policyholder rescind a public adjuster contract?Va. Code 38.2-1845.13(A)
How long does a Virginia policyholder have to rescind a public adjuster contract after signing it, when no catastrophic disaster is involved?Va. Code 38.2-1845.13(A)
In a catastrophic disaster, how long does a Virginia policyholder have to rescind a public adjuster contract?Va. Code 38.2-1845.13(A)
In a catastrophic disaster, what is the most a Virginia public adjuster may charge?Va. Code 38.2-1845.14(C)
The insurer paid a Virginia policyholder part of a claim before the public adjuster contract was signed. May the adjuster's fee be based on that payment?Va. Code 38.2-1845.14(D)
Outside a catastrophic disaster, what standard limits a Virginia public adjuster's fee?Va. Code 38.2-1845.14(B)
What does the Virginia disclosure document tell a policyholder about hiring a public adjuster?Va. Code 38.2-1845.13(B)
What must a Virginia public adjuster give the insurer to show authority to represent the policyholder?Va. Code 38.2-1845.13(C)
What title must a Virginia public adjuster's contract carry?Va. Code 38.2-1845.13(A)
When may a Virginia public adjuster first accept a fee, retainer or deposit on a claim?Va. Code 38.2-1845.14(A)
When the insurer commits to pay the policy limit within 72 hours of a reported loss, what may a Virginia public adjuster be paid?Va. Code 38.2-1845.14(I)
Which charge may a Virginia public adjuster contract not put on the policyholder?Va. Code 38.2-1845.14(G)
Which of these must a Virginia public adjuster contract contain?Va. Code 38.2-1845.13(A)
Which payee arrangement may a Virginia public adjuster contract not require the policyholder to authorize?Va. Code 38.2-1845.14(F)
Whose signing dates must appear on a Virginia public adjuster contract?Va. Code 38.2-1845.13(A)
Conduct, escrow, records and advertising 25
A power of attorney would give a Virginia public adjuster the authority to choose who performs the repair work. May the adjuster accept it?Va. Code 38.2-1845.12(L)
A Virginia policyholder has hired a public adjuster. May the policyholder still speak with the insurer's adjuster directly?Va. Code 38.2-1845.12(E)
A Virginia policyholder objects to the engineer the public adjuster proposes to use for an estimate. What is the effect?Va. Code 38.2-1845.12(O)
A Virginia public adjuster holds claim funds and receives a contractor's invoice. Once the policyholder approves the work as satisfactorily completed, how soon must the funds be disbursed?Va. Code 38.2-1845.16(A)
A Virginia public adjuster receives claim funds on behalf of a policyholder. By when must they be deposited in a trust account?Va. Code 38.2-1845.16(A)
A Virginia public adjuster takes part in repairing the damaged property that is the subject of a claim the adjuster handled. How does the law treat that?Va. Code 38.2-1845.12(C)
A Virginia public adjuster's firm adjusted part of a claim. May the adjuster serve as umpire under the policy's appraisal provision for that property?Va. Code 38.2-1845.12(T)
A Virginia public adjuster's online advertisement uses a computer-generated digital avatar. What does the law require?Va. Code 38.2-1845.23(D)
An investigation shows a Virginia public adjuster diverted funds held in a fiduciary capacity. Whom may the Commission inform?Va. Code 38.2-1845.16(B)
Before a contractor's bid is used in estimating a Virginia loss, what must the public adjuster give the policyholder?Va. Code 38.2-1845.12(O)
During which hours may a Virginia public adjuster not solicit a client?Va. Code 38.2-1845.12(N)
How long must a Virginia public adjuster keep the records of a claim?Va. Code 38.2-1845.15
In what kind of account does a Virginia public adjuster hold a policyholder's claim funds?Va. Code 38.2-1845.16(A)
May a Virginia public adjuster also act as the company adjuster on the same claim?Va. Code 38.2-1845.12(K)
Repairs to a Virginia home are not fully completed. What may the public adjuster not advise?Va. Code 38.2-1845.12(U)
To which repair business may a Virginia public adjuster not refer a policyholder?Va. Code 38.2-1845.12(D)
What does a Virginia public adjuster need before settling a claim?Va. Code 38.2-1845.12(H)
What must an advertisement by a Virginia public adjuster include?Va. Code 38.2-1845.23(C)
What must each Virginia public adjuster put in place to protect policyholder information?Va. Code 38.2-1845.18
Whatever the hour, when is a Virginia public adjuster barred from soliciting a client?Va. Code 38.2-1845.12(M)
When may a Virginia public adjuster acquire an interest in salvage property?Va. Code 38.2-1845.12(I)
Which inducement may nobody offer in order to sell a public adjuster's services in Virginia?Va. Code 38.2-1845.12(Q)
Which of these is not an "advertisement" under the Virginia public adjuster advertising section?Va. Code 38.2-1845.23(F)
Who chooses the attorney who represents a Virginia policyholder on a claim?Va. Code 38.2-1845.12(G)
Who is responsible for personally reviewing the content of a Virginia public adjuster advertisement?Va. Code 38.2-1845.23(E)
Discipline, penalties and claim practices 27
A candidate uses notes to complete the Virginia public adjuster examination. What does the law make of that?Va. Code 38.2-1845.10
A person gives the Commission information about a Virginia public adjuster without malice, fraud or bad faith. What protection applies?Va. Code 38.2-1845.20(C)
A single act produces a series of similar unknowing violations of Title 38.2. What is the aggregate penalty limit?Va. Code 38.2-218(B)
A violation of Title 38.2 results solely from a malfunction of electronic equipment. What penalty applies?Va. Code 38.2-218(C)
A Virginia public adjuster refuses to let Bureau of Insurance employees examine the firm's records. What may follow, after notice and a hearing?Va. Code 38.2-1845.22
A Virginia public adjuster shares a fee with an unlicensed person who is required to be licensed. What is the consequence?Va. Code 38.2-1845.10
A Virginia public adjuster under investigation surrenders the license. Can the Commission still impose a penalty?Va. Code 38.2-1845.11(H)
After a hearing, the Commission finds a violation of Title 38.2 is about to occur. Which order may it issue?Va. Code 38.2-219(B)
An individual adjuster at a Virginia firm breaks the law, the partners knew, and nobody reported it or took corrective action. What may happen to the firm's license?Va. Code 38.2-1845.11(F)
An insurer denies a Virginia claim. As a general business practice, what may it not fail to provide promptly?Va. Code 38.2-510(A)
At what loss estimate must a Virginia insurer that alters an adjuster's estimate downward give the policyholder a detailed explanation of each change?Va. Code 38.2-510(D)
Besides revoking or suspending a license, which lesser step does the Virginia grounds section let the Commission take?Va. Code 38.2-1845.10
The Commission believes a person has violated Title 38.2 and serves a show-cause order. How long after service is the earliest the hearing may be set?Va. Code 38.2-219(A)
The Commission refuses a Virginia public adjuster license after a hearing. Unless its order says otherwise, how long before the applicant may apply again?Va. Code 38.2-1845.7(A)
Documents the Commission obtains while investigating a Virginia public adjuster are treated how?Va. Code 38.2-1845.20(A)
Does a violation of the Virginia unfair claim settlement practices section, by itself, give a policyholder a cause of action?Va. Code 38.2-510(B)
For which conduct may the Commission order restitution under the Virginia penalties section?Va. Code 38.2-218(D)
How much written notice of the time and place of a requested hearing must the Commission give before revoking a Virginia public adjuster license?Va. Code 38.2-1845.11(E)
What counts as a "complaint" in the Virginia section on complaint records?Va. Code 38.2-511
What is the most Virginia may charge for each knowing or willful violation of Title 38.2?Va. Code 38.2-218(A)
What is the most Virginia may charge for each violation of Title 38.2 committed without knowledge or intent?Va. Code 38.2-218(B)
What must happen before the Commission revokes or suspends an existing Virginia public adjuster license?Va. Code 38.2-1845.11(E)
When does a listed claim practice become an unfair claim settlement practice under Virginia law?Va. Code 38.2-510(A)
Which act toward a vulnerable adult is a listed ground to revoke a Virginia public adjuster license?Va. Code 38.2-1845.10
Which function may the Commission contract out to a nongovernmental entity under the Virginia public adjuster article?Va. Code 38.2-1845.21
Which of these is a listed ground to suspend or revoke a Virginia public adjuster license?Va. Code 38.2-1845.10
Which tax failure is a listed ground against a Virginia public adjuster license?Va. Code 38.2-1845.10
How this list was compiled: Code of Virginia, Title 38.2, Chapter 18, Article 4.1, Licensing of Public Adjusters (§§ 38.2-1845.1 to 38.2-1845.23, as amended through 2026 Acts, c. 142), with §§ 38.2-218, 38.2-219, 38.2-510 and 38.2-511, read on October 16, 2026 on Virginia Law, the Virginia General Assembly's own site (https://law.lis.virginia.gov/vacode/title38.2/chapter18/). The topics follow section 1.0, Insurance Regulation, of the Virginia Public Adjuster's Examination content outline, Series 11-08, which the examination administrator for the Virginia Bureau of Insurance publishes at https://www.prometric.com/files/virginia/1108-Public-Adjuster.pdf and which prints the Code section beside each topic. 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 VA public adjuster study guide is a practice test on the state-law part of the Virginia Public Adjuster's Examination: 119 of our own questions, each naming its Code section. Not affiliated with the Virginia Bureau of Insurance.
Read the full guide
What the exam covers
Series 11-08 has eight sections. Insurance Regulation, the law, is 7 percent, 4 of 50 items. Adjusting losses is 25 percent and insurance basics 20; the dwelling, homeowners, commercial package and businessowners forms and other coverages make up the rest.
What this page asks
Only the law: Article 4.1 of Chapter 18, Title 38.2, with the penalty and unfair claim settlement sections the outline cites. The policy forms are not asked.
The article was amended in 2026
Eleven sections list 2026 Acts, c. 142 in their history. The questions follow the text as it stood on October 16, 2026.
A policyholder may rescind within three business days of signing, or five after a catastrophic disaster (§ 38.2-1845.13).
No soliciting from 8:00 p.m. to 8:00 a.m., or while the loss is still in progress (§ 38.2-1845.12).
Claim funds go into a separate noninterest-bearing trust account by the close of the second business day (§ 38.2-1845.16).
Questions and answers
How many questions are on the Virginia public adjuster exam?
50 scored questions plus 5 pre-test questions, with a 1-hour time limit, by the Series 11-08 content outline. The licensing bulletin gives no pass mark.
Who needs a public adjuster license in Virginia?
Anyone paid to solicit, investigate, negotiate or adjust a policyholder's first party property claim, or to advise on it (§ 38.2-1845.1). The Bureau of Insurance says no other kind of adjuster, company or independent, needs a Virginia license.
What bond does a Virginia public adjuster need?
$50,000, in favor of the Commonwealth, with corporate sureties licensed by the Commission. It cannot be terminated without 60 calendar days' written notice filed with the Commission, and the license ends if no new bond is attested (§ 38.2-1845.2).
Do Virginia residents have to pass an exam for the public adjuster license?
Yes. A resident individual passes the public adjuster examination within 183 calendar days before applying (§ 38.2-1845.2). A person previously licensed as a public adjuster in another home state may be exempt (§ 38.2-1845.4).