Free Alabama Public Adjusting Practice Questions

Free Alabama public adjusting practice questions

Ten free questions from the AdjusterBase Alabama course, one from each of ten lessons, with the explanation for every answer.

AdjusterBase is an independent study platform for public adjuster licensing exams in all 50 states, plus free claim education. Find your state course.

This is a short learning exercise, not the official examination or a prediction of passing. Questions cover: Alabama classification and consumer purpose; Attorney, contractor, and technical boundaries; Consumer notice and claim documentation; Mitigation, inspection, and contractors; Policy reading, causes, and deductibles; Claim files, communications, and timing; Denials, settlement, and limitation notices; Property valuation and replacement cost; Automobile claim valuation and repair; Consumer complaints and claim closure. Answers stay in your browser.

1. Does Alabama issue or recognize a public-adjuster insurance license? No. Yes, after a 100-question state exam. Yes, through the independent-adjuster license. Only for nonresident applicants.

2. What does Ala. Code § 34-3-6 generally reserve to licensed persons? The practice of law. Roof measurement. Photographing personal property. Preparing one’s own household inventory.

3. What does ALDOI advise after disaster property damage? Contact the insurance company or agent immediately. Wait until permanent repairs are complete. Wait for the course final. Report only after every item is priced.

4. What repairs does ALDOI recommend before consulting the insurer about permanent work? Only repairs necessary to prevent further damage. A complete remodel. Every permanent repair in the highest bid. No protective action under any circumstances.

5. Why must the insured read the whole policy? Coverages, exclusions, deductibles, limits, and endorsements vary. Every Alabama policy is identical. The declarations alone contain every condition. The disaster name guarantees coverage.

6. How does chapter 482-1-125 define “days” unless a rule states otherwise? Calendar days calculated under the Alabama Rules of Civil Procedure. Business days in every instance. Hours after the loss. Days chosen by the insurer.

7. When does Rule .07 require the insurer to tender an agreed payment? Within thirty days or the policy period after liability is accepted, amount is agreed, and necessary settlement documents are received. Thirty days after first notice regardless of dispute. Fifteen days after the loss without documentation. Immediately after any estimate.

8. For residential fire and extended coverage settled on ACV, how does Rule .09 define ACV? Replacement cost at the time of loss less depreciation. Policy limit plus depreciation. Original purchase price without condition review. The highest contractor bid.

9. What coverage generally addresses storm damage to the insured automobile? Comprehensive coverage, subject to the policy. Liability-only coverage. Homeowners dwelling coverage. A public-adjuster license.

10. What should an Alabama consumer do before filing a Department complaint? Contact the insurer or producer to try to resolve the issue. Wait until all deadlines expire. File without preserving any response. Hire an unlicensed nonlawyer public adjuster.

What the full Alabama course adds

About this practice test

Are these the real Alabama public adjuster exam questions?

No. They are original AdjusterBase study questions written to the topics the Alabama course covers. The official exam uses its own confidential items.

How many questions does the full Alabama course have?

The current edition has 209 practice questions with explanations, 257 flashcards. These ten are drawn from that bank.

Do I need an account to take this test?

No. Your answers stay in your browser and are not sent to a server. A free account is only needed to save progress inside a paid course.