Free New Hampshire Public Adjuster Practice Test

Free New Hampshire public adjuster practice test

Ten free questions from the AdjusterBase New Hampshire course, one from each of ten lessons, with the explanation for every answer. The official New Hampshire exam: 100 questions, 120 min, 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: Statutory scope, public-adjuster role, and exemptions; Resident qualifications and current PSI examination; New Hampshire fire law and Dwelling policy applications; Examination exemptions, reciprocity, renewal, and continuing education; Financial responsibility, discipline, penalties, and reporting; Contract contents, separate disclosure, and form approval; Contract prohibitions, triplicate originals, rescission, return, and insurer notice; Escrow, compensation disclosure, and five-year transaction records; Conduct limits and New Hampshire claim-settlement controls; Businessowners policy coverages and claim applications. Answers stay in your browser.

1. What claims does Chapter 402-D limit a New Hampshire public adjuster to assisting insureds with? First-party claims. Third-party bodily-injury defense only Subrogation disputes only Any claim for an insurer

2. What declaration accompanies the public-adjuster application? Every future claim will be covered The applicant has insurer appointment authority No investigation may occur Statements are true, correct, and complete to the best of the applicant’s knowledge and belief, under penalty of perjury and licensing action.

3. A building insured for a specified amount is totally destroyed by fire without the insured’s criminal fault. What value rule generally applies? The adjuster fee becomes the value Every total loss is paid at market value regardless of section 407:11 The stated insurance amount is the insured interest’s value unless the overinsurance was fraudulently obtained. Only land value applies

4. When does a prior out-of-state public-adjuster exam support a New Hampshire exam exemption? Never When the person is currently licensed there, or applies within 12 months after cancellation with verified good standing. Whenever the prior license ended within five years Only if the person owns New Hampshire property

5. What minimum surety-bond amount can satisfy public-adjuster financial responsibility? $20,000. $5,000 $50,000 $100,000

6. What title must appear on the written agreement? Insurance Company Appointment Construction Direction Proof of Loss Waiver Public Adjuster Contract.

7. May a contract let the PA collect a fee on insurer money that is due but not paid? Only if an estimator approves Only before signing No. Yes, every unpaid amount is fee-bearing cash

8. Where must money held for an insured toward claim settlement be deposited? In any contractor account In an interest-bearing escrow or trust account at a federally insured financial institution in the public adjuster’s home state. In the PA’s operating cash drawer In the insurer’s premium account

9. May a public adjuster solicit while the loss-producing occurrence is still in progress? No. Yes, if no contract is signed Yes, after one hour Only an insurer may waive the rule

10. What is the correct first-party property focus when a public adjuster handles a BOP loss? Apply a personal-auto collision form to the building Treat the public-adjuster license as the coverage grant Use a homeowners form without checking the issued BOP Apply BOP Section I property terms to an eligible business’s covered property, subject to the declarations, exclusions, limits, conditions, and endorsements.

What the full New Hampshire course adds

The paid course has 24 lessons, 209 practice questions and 257 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 New Hampshire curriculum and sources or the New Hampshire license requirements.

About this practice test

Are these the real New Hampshire public adjuster exam questions?

No. They are original AdjusterBase study questions written to the topics the New Hampshire course covers. The official exam (100 questions, 120 min, PSI) uses its own confidential items.

How many questions does the full New Hampshire course have?

The current edition has 209 practice questions with explanations, 257 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.