A nonresident adjuster's home state revokes the adjuster's license. What must the adjuster do in West Virginia?W. Va. Code 33-12B-9(d)
A West Virginia adjuster's license expired eight months ago. On what payment may it be reissued?W. Va. Code 33-12B-10(b)
A West Virginia public adjuster acts solely in relation to which claims?W. Va. Code 33-12B-1(i)
An adjuster licensed in another jurisdiction moves to West Virginia. To become a resident licensee with no pre-licensing examination, the adjuster applies within how many days of establishing legal residence?W. Va. Code 33-12B-5(b)
An adjuster uses a home address as the principal place of business. What does the rule require of that address?W. Va. Code R. 114-25-17
An adjuster who lives outside West Virginia designates it as home state. Whom does the adjuster automatically appoint as agent for service of process?W. Va. Code 33-12B-5(a)
An applicant fails the West Virginia adjuster examination on the first try. How many additional attempts does the law allow?W. Va. Code 33-12B-5(b)
An individual holds a company adjuster license and a public adjuster license at once. What does West Virginia forbid?W. Va. Code 33-12B-2(d)
Show all 92 questions (84 more)
Adjuster licensing, continued
An insurer appoints a licensed public adjuster in writing to act for it on one claim, and the adjuster accepts. What is the adjuster then barred from doing?W. Va. Code 33-12B-2(c)
An insurer's adjuster works outside West Virginia and handles West Virginia claims solely by telephone, fax, mail and email, never entering the state. Is a license required?W. Va. Code 33-12B-3(a)
An otherwise qualified adjuster who is not licensed in West Virginia may adjust emergency claims if the insurer notifies the commissioner within how many days of the declared insurance emergency?W. Va. Code 33-12B-4(b)
An unlicensed person registers with the commissioner to adjust, under supervision, a loss of unique or unusual character. How many losses may that person work in any twelve-month period?W. Va. Code R. 114-25-3.4
Before approving a business entity's application for a resident adjuster license, what must the commissioner find it has designated?W. Va. Code 33-12B-5(c)
Besides contracting with insurers or self-insurers for compensation, what marks an "independent adjuster" in West Virginia?W. Va. Code 33-12B-1(e)
Does West Virginia require an adjuster license of a person who settles only life, accident and health, annuity or disability insurance claims?W. Va. Code 33-12B-3(a)
How soon must the commissioner act on a fully completed emergency adjuster application after receiving it?W. Va. Code R. 114-25-4.5
Unless the commissioner extends it, for how many days at most does an emergency adjuster's license remain in force?W. Va. Code 33-12B-4(c)
Unlicensed staff who collect claim information and enter data work under a licensed adjuster. How many such persons may one licensed adjuster supervise?W. Va. Code 33-12B-3(a)
What is an "insurance emergency" in West Virginia's adjuster article?W. Va. Code 33-12B-1(g)
What is the annual fee for a business entity adjuster license in West Virginia?W. Va. Code 33-12B-8(b)
What may the commissioner accept in place of the examination for an adjuster license with the crop line of authority?W. Va. Code 33-12B-5(b)
What must an emergency adjuster keep at all times in order to be eligible to adjust emergency claims?W. Va. Code R. 114-25-4.8
What nonrefundable examination fee does each examinee pay the commissioner for each adjuster examination?W. Va. Code 33-12B-5(b)
When may a resident of Canada be licensed as a nonresident adjuster in West Virginia?W. Va. Code 33-12B-9(e)
Which line of authority may a West Virginia public adjuster license designate?W. Va. Code 33-12B-7(b)
Which lines of authority may a West Virginia company or independent adjuster license carry?W. Va. Code 33-12B-7(a)
Which person needs no company or independent adjuster license under W. Va. Code 33-12B-3(a)?W. Va. Code 33-12B-3(a)
Who is a "company adjuster" under West Virginia's adjuster article?W. Va. Code 33-12B-1(c)
Who is held accountable for the acts or failures to act of an emergency adjuster designated in an insurer's application?W. Va. Code R. 114-25-4.9
Who is NOT an "applicant" who must submit fingerprints under W. Va. Code 33-12B-6?W. Va. Code 33-12B-6(b)
Within how many days of a change of business, residence or email address must a West Virginia adjuster file notice of it with the commissioner?W. Va. Code 33-12B-14(a)
Conduct, discipline and fraud reports 22
A claimant is represented by a lawyer. When may a company or independent adjuster deal directly with the claimant?W. Va. Code R. 114-25-9.1
A West Virginia adjuster does not pay a penalty the commissioner imposed within 30 days. What follows?W. Va. Code 33-12B-11(c)
A West Virginia adjuster fails to meet the continuing education requirement and has no extension. What happens to the license?W. Va. Code 33-12B-13(i)
A West Virginia adjuster is criminally prosecuted. The 30 days to report it to the commissioner run from which date?W. Va. Code 33-12B-10a(b)
An adjuster earns more continuing education credit than the biennium requires. How many credit hours at most carry over into the next reporting period?W. Va. Code 33-12B-13(h)
An adjuster misses a noticed hearing and an adverse order is entered. What may the adjuster file within 30 calendar days of the order?W. Va. Code 33-12B-14(d)
An applicant demands a hearing on the denial of an adjuster license. Within how many days must the hearing be held?W. Va. Code R. 114-25-20.1
The commissioner denies an application for an adjuster license. Within how many days of receiving the notice may the applicant make written demand for a hearing?W. Va. Code 33-12B-11(b)
For how many hours of continuing education at most may active membership in an approved professional insurance association count in a biennial reporting period?W. Va. Code 33-12B-13(g)
How does the commissioner give an adjuster notice of a hearing that concerns the adjuster?W. Va. Code 33-12B-14(b)
How many hours of continuing education must a West Virginia adjuster who is not exempt complete each biennium?W. Va. Code 33-12B-13(e)
How many primary contact persons does an insurer designate to communicate with the Insurance Fraud Unit?W. Va. Code R. 114-71-2.1
To which body are suspected fraudulent insurance acts reported in writing under the West Virginia fraud prevention rule?W. Va. Code R. 114-71-3.1
What does a company or independent adjuster need before acquiring any interest or title in salvage?W. Va. Code R. 114-25-9.1
What is the most the commissioner may order a West Virginia adjuster to pay as an administrative penalty for each violation?W. Va. Code 33-12B-11(c)
What must a company or independent adjuster identify when dealing with any policyholder or claimant?W. Va. Code R. 114-25-9.1
Which action against a crop adjuster does W. Va. Code 33-12B-10a(a) name as one to report within thirty days of its final disposition?W. Va. Code 33-12B-10a(a)
Which licensee does West Virginia's adjuster continuing education section not apply to?W. Va. Code 33-12B-13(c)
Which misdemeanor conviction is a violation under W. Va. Code 33-12B-11(d)?W. Va. Code 33-12B-11(d)
Which of these may a company or independent adjuster NOT give under the West Virginia standards of conduct?W. Va. Code R. 114-25-9.1
Which unpaid tax is a violation under West Virginia's adjuster discipline section?W. Va. Code 33-12B-11(d)
Within how many days of determining that a suspected fraudulent insurance act has been committed must the report be filed?W. Va. Code R. 114-71-3.2
Claim practice rules 17
A West Virginia claim investigation is still incomplete after the first delay notice. How often must the insurer then send written notice of the delay?W. Va. Code R. 114-14-6.7
A West Virginia insurer and a claimant agree on a settlement that sets a condition for the claimant. How soon must the insurer pay?W. Va. Code R. 114-14-6.11
A West Virginia insurer denies a claim on the ground of a policy exclusion. What must the denial include?W. Va. Code R. 114-14-6.5
An adjuster is negotiating with an unrepresented third-party claimant. At least how many days before a time limit expires must written notice of the limit be given?W. Va. Code R. 114-14-6.12
An insured owes premium on a second policy with the same insurer. When may the insurer deduct it from a claim payment under the first policy?W. Va. Code R. 114-14-6.16
An insurer has fifteen working days to answer an inquiry from the Insurance Commissioner. From what date do they run?W. Va. Code R. 114-14-5.2
Before a West Virginia insurer may deny a claim for failure to exhibit the insured property, what must it be able to prove?W. Va. Code R. 114-14-6.9
How far may a release reach that a first-party claimant is asked to sign in West Virginia?W. Va. Code R. 114-14-4.5
On finding that an insurance emergency has occurred, what may the West Virginia commissioner do by order under W. Va. Code 33-2-10a?W. Va. Code 33-2-10a
On what may a West Virginia insurer not base incentives or pay for its employees, agents or contractors?W. Va. Code R. 114-14-6.15
One element of a West Virginia claim is undisputed while others are disputed. What does the rule require where payment can be made without prejudice to either party?W. Va. Code R. 114-14-6.10
Unless full payment is made sooner, within what time must a West Virginia insurer acknowledge receipt of a notification of claim?W. Va. Code R. 114-14-5.1
West Virginia's unfair trade practices rule applies to all insurance policies and contracts except which insurance?W. Va. Code R. 114-14-1.1
What must a notice rejecting any element of a West Virginia claim tell the claimant, besides the insurer's identity, address and the claim number?W. Va. Code R. 114-14-6.17
What must a West Virginia insurer's claim file contain about an oral communication on the claim?W. Va. Code R. 114-14-3
Where no statute or legislative rule sets a time limit, may a West Virginia insurer require a first-party claimant to give notification or proof of a claim within a specified time?W. Va. Code R. 114-14-4.4
Within what time of completing its investigation must a West Virginia insurer deny the claim in writing or make a written offer?W. Va. Code R. 114-14-6.3
Property adjusting 9
A first-party claim for damage to a building could be paid by two states' guaranty associations. From which must recovery be sought first under West Virginia law?W. Va. Code 33-26-12(b)
A person with no economic interest in a neighbor's house buys fire insurance on it. For whose benefit is that insurance enforceable under W. Va. Code 33-6-3?W. Va. Code 33-6-3(a)
A policy insures a structure in a West Virginia county where mine subsidence coverage is included unless waived. Who may waive the coverage?W. Va. Code 33-30-6(a)
A structure shows unrepaired subsidence damage. What may the insurer do about mine subsidence coverage?W. Va. Code 33-30-7
A West Virginia insurer's investigation gives it reason to believe a fire was caused by other than accidental means. Whom must it notify?W. Va. Code 15A-10-6(b)
An insurer furnishes the fire marshal the information that W. Va. Code 15A-10-6 requires. When can it be liable for a statement made in doing so?W. Va. Code 15A-10-6(c)
Fire totally destroys an insured West Virginia house covered by one insurer. For what amount is the insurer liable under W. Va. Code 33-17-9?W. Va. Code 33-17-9
The policy has not been issued and a West Virginia binder is about to pass its time limit. How may it be extended?W. Va. Code 33-6-18(c)
The State Fire Marshal asks an insurer investigating a fire loss for its file. Which item does W. Va. Code 15A-10-6 list among the information to be released?W. Va. Code 15A-10-6(a)
Auto adjusting and comparative fault 13
A "substantially similar vehicle" offered in a West Virginia total loss may exceed the insured vehicle's mileage by no more than how much, unless both sides accept more?W. Va. Code R. 114-14-7.2
A claimant's attorney asks a West Virginia personal lines auto liability insurer in writing for the policy limits. Within how many days of receiving the request must the insurer respond?W. Va. Code 33-6F-2(a)
A West Virginia insurer intends to inspect a damaged vehicle before repair. Within what time of receiving notice of loss must it inspect and make a good faith offer?W. Va. Code R. 114-14-7.3
A West Virginia insurer recovers by subrogation after paying a collision loss. When may it deduct expenses from the insured's deductible recovery?W. Va. Code R. 114-14-7.3
A West Virginia insurer requires its insured to obtain estimates of vehicle damage. Who bears the reasonable charges for them?W. Va. Code R. 114-14-7.6
A West Virginia jury finds the plaintiff 60 percent at fault and all other persons together 40 percent. What is the plaintiff's recovery under W. Va. Code 55-7-13c(c)?W. Va. Code 55-7-13c(c)
An insured reports the theft of an entire vehicle. Of what must the West Virginia insurer advise the insured at the time of that notice?W. Va. Code R. 114-14-7.7
For which parts may a West Virginia insurer deduct betterment or depreciation on a partial auto loss?W. Va. Code R. 114-14-7.3
In adjusting a West Virginia total loss the insurer deducts the salvage value of the vehicle. What must it give the insured?W. Va. Code R. 114-14-7.4
What may a West Virginia insurer do about the shop that will repair a claimant's vehicle?W. Va. Code R. 114-14-6.18
What must be added to the cash settlement value agreed for a West Virginia total loss motor vehicle under W. Va. Code 33-6-33?W. Va. Code 33-6-33
What penalty, besides reasonable attorneys' fees and expenses, does a West Virginia insurer face for failing to disclose liability limits as W. Va. Code 33-6F-2 requires?W. Va. Code 33-6F-2(f)
While her car is in the shop, a West Virginia insured drives a loaner the repair shop provides at no separate charge. Which coverage is primary?W. Va. Code 33-6-29(b)
How this list was compiled: West Virginia Code chapter 33 (33-2-10a, 33-6-3, 33-6-18, 33-6-29, 33-6-33, 33-6F-2, article 12B, 33-17-9, 33-26-12, 33-30-6 and 33-30-7) and sections 15A-10-6 and 55-7-13c, read on October 15, 2026 on the West Virginia Legislature's own site (https://code.wvlegislature.gov/33-12B/), and three legislative rules of the Insurance Commissioner read the same day in the copies the West Virginia Offices of the Insurance Commissioner posts at https://www.wvinsurance.gov/Resources_Policy-Legislation_Insurance-Rules: 114 CSR 25, Insurance Adjusters (effective April 8, 2026), 114 CSR 14, Unfair Trade Practices (effective April 24, 2006) and 114 CSR 71, Insurance Fraud Prevention (effective May 6, 2005). The topics follow part I, West Virginia Laws and Rules Pertinent to Adjusters, of the Company and Independent Adjuster content outline, effective June 16, 2026, which the Offices of the Insurance Commissioner post at https://www.wvinsurance.gov/Portals/0/2026%20Content%20Outline.pdf and which prints the references 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 West Virginia adjuster license practice test asks the laws and rules part of the WV Adjuster exam: 92 of our own questions from state Code and rules. Not affiliated with the West Virginia Offices of the Insurance Commissioner.
Read the full guide
What the exam covers
West Virginia laws and rules pertinent to adjusters carry 55 of the 75 scoreable questions on the Company and Independent Adjuster outline; insurance terms take 5 to 15 and policy coverages the rest.
What this page asks
The 55: adjuster licensing (W. Va. Code 33-12B, 114 CSR 25), the claim practice rules of 114 CSR 14, fraud reporting, and property and auto adjusting law. Liability limits, uninsured motorist conditions and the workers' compensation line are not asked here.
Three licenses, three exams
West Virginia licenses company, independent and public adjusters. This page follows the WV Adjuster exam for the first two; the public adjuster and workers' compensation adjuster exams have outlines of their own. No prelicensing course is required of adjusters.
After a first failed attempt, an applicant has seven more tries at the examination (W. Va. Code 33-12B-5).
Acknowledge a claim within 15 working days; deny it or make an offer within 10 working days of finishing the investigation (114 CSR 14).
Suspected fraud goes to the Insurance Fraud Unit in writing within 14 days (114 CSR 71).
Questions and answers
How many questions are on the West Virginia adjuster exam?
80, in 90 minutes, by the exam table of the candidate handbook of September 2026. The content outline effective June 16, 2026 counts 75 scoreable questions plus 5 pretest questions, which do not affect the score.
What score passes the West Virginia adjuster exam?
The candidate handbook gives a passing score of 70, a scaled score from 0 to 100 that is neither the number nor the percentage of questions answered correctly.
Is this West Virginia adjuster license practice test free?
Yes. All 92 questions are open, and your answers stay in your browser. The questions come from the Code and the rules; none comes from the state exam, and the Offices of the Insurance Commissioner did not write or review them.
Who needs an adjuster license in West Virginia?
Under W. Va. Code 33-12B-2, nobody may act as a company, independent or public adjuster without a license unless exempt. Section 33-12B-3 exempts, among others, attorneys acting as attorneys and people who settle only life or health claims.
How much is a West Virginia adjuster license?
W. Va. Code 33-12B-8 sets an annual fee of $25 for an individual and $200 for a business entity. The candidate handbook asks $50 with the application, for a license that renews every two years by birth month.