Free North Carolina Public Adjuster Practice Test

Free North Carolina public adjuster practice test

Ten free questions from the AdjusterBase North Carolina course, one from each of ten lessons, with the explanation for every answer. The official North Carolina exam: 2 hours 15 minutes, scaled 70 to pass, Pearson VUE 36.

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: North Carolina public adjusting and the examination; 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; Insurance vocabulary in claim scenarios; ACV, replacement cost, and coinsurance; Valuation calculation lab. Answers stay in your browser.

1. Under Article 33A, a North Carolina public adjuster acts on behalf of whom? An insured with a first-party property claim The insurer on every claim Any third-party claimant The repair contractor

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

9. Replacement cost is $60,000 and depreciation is $15,000. Using the replacement-cost-less-depreciation method, what is ACV before the deductible? $15,000 $45,000 $60,000 $75,000

10. What is ACV under an expressly stated RCV-less-depreciation method with RCV $72,000 and depreciation $18,000? $54,000 $90,000 $18,000 $72,000

What the full North Carolina course adds

The paid course has 25 lessons, 224 practice questions and 272 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 North Carolina curriculum and sources or the North Carolina license requirements.

About this practice test

Are these the real North Carolina public adjuster exam questions?

No. They are original AdjusterBase study questions written to the topics the North Carolina course covers. The official exam (2 hours 15 minutes, scaled 70 to pass, Pearson VUE 36) uses its own confidential items.

How many questions does the full North Carolina course have?

The current edition has 224 practice questions with explanations, 272 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.