Free California Public Adjuster Practice Test

Free California public adjuster practice test

Ten free questions from the AdjusterBase California course, one from each of ten lessons, with the explanation for every answer. The official California exam: 100 questions, 165 min, 70% to pass, PSI.

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: California public-adjuster orientation; Homeowners and dwelling coverage; Homeowners claim workshop; Commercial property and time-element coverage; Commercial loss workshop; Marine, floaters, and flood; Special property and water-loss workshop; Homeowners deep-dive: forms, Section II liability, endorsements and the California disclosure; Dwelling forms, commercial property details, inland marine, crime, equipment breakdown, farm and BOP; Insurance vocabulary in claim scenarios. Answers stay in your browser.

1. A California public adjuster is retained after a house fire. Whose interests does the public adjuster represent in preparing the property claim? The insured who signed the engagement The insurer that issued the policy The restoration contractor selected later The Department of Insurance

2. Which policy form typically provides open-peril coverage on the dwelling and named-peril coverage on personal property? HO 2 HO 3 HO 4 HO 8

3. A tenant loses furniture in a covered apartment fire. Which typical form is designed for that tenant interest? HO 4 HO 6 Builders risk Ocean marine

4. A restaurant closes for six weeks after covered fire damage. Which coverage most directly addresses lost net income and continuing normal expenses? Builders risk Business income Inland marine Ordinance or law

5. A business has qualifying lost net income of $18,000 and continuing normal expenses of $12,000. With no other adjustment, what is the starting income loss? $30,000 $18,000 $12,000 $6,000

6. Which item is most likely inland marine property? A permanently installed foundation Contractor equipment moving among jobsites Land under the insured building A liability judgment entered against the contractor

7. A sewer backs up into a basement. What is the best coverage approach? Examine the sewer-backup terms and actual cause Assume it is identical to any burst pipe inside the home Assume ocean marine applies Pay solely because the basement is wet

8. How many named perils does the ISO HO-2 broad form list for the dwelling and personal property? 11 named perils: the basic list ending with volcanic eruption and glass 17 named perils: the basic list plus six water, weight and system perils 16 named perils: the basic list plus five water and freezing perils Open perils on the dwelling, with 17 named perils for the personal property

9. A landlord insures a rental house under an unendorsed DP-1. A windstorm tears off roof shingles. How does the policy respond? Covered, because the DP-1 insures fire, lightning, windstorm and internal explosion Not covered, because windstorm is an extended coverage peril that must be added Covered at replacement cost, because the DP-1 settles buildings at full cost Not covered, because the DP-1 insures the landlord's contents but not the building

10. A loose electrical connection increases the likelihood of fire. The connection is best described as what? Peril Hazard Indemnity Salvage

What the full California course adds

The paid course has 39 lessons, 554 practice questions and 493 flashcards, plus two 100-question timed readiness exams that mirror the exam blueprint. Every question links back to the lesson it tests, and your mistakes collect in a notebook for review. See the California curriculum and sources or the California license requirements.

About this practice test

Are these the real California public adjuster exam questions?

No. They are original AdjusterBase study questions written to the topics the California course covers. The official exam (100 questions, 165 min, 70% to pass, PSI) uses its own confidential items.

How many questions does the full California course have?

The current edition has 554 practice questions with explanations, 493 flashcards and two 100-question timed readiness exams. 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.