New York Public Adjuster Licensing and Practice
Explore what you will learn in New York, read a sample before enrolling, and build a study routine around lessons, flashcards and applied practice.
Practice questions are original study material, not official exam questions. Question counts describe this course edition, not the number on a government exam. Course publication and source-check dates do not mean a regulator has approved the material.
Your New York curriculum
Use the outline to identify familiar topics and the areas that need more study. Work through a lesson, practice applying the concept, then revisit difficult material with the review tools.
- 1 · New York law and practice
New York public adjusting: role, scope, and exam map
Identify who the public adjuster represents, the property-claim scope of the license, and the limits of the official exam information.
Estimated reading: 12 minutes - 2 · New York law and practice
Qualifying, applying, bonding, and maintaining authority
Follow the New York qualification path and distinguish prelicensing, examination, application, bonding, renewal, and continuing education.
Estimated reading: 12 minutes - 3 · New York law and practice
The written compensation agreement and required disclosures
Build and deliver a compliant New York compensation agreement using Regulation 10 and the current prescribed forms.
Estimated reading: 12 minutes - 4 · New York law and practice
Cancellation rights, fee limits, and recoveries
Calculate fees within Regulation 10 and apply the three-business-day cancellation and supplemental-claim rules.
Estimated reading: 12 minutes - 5 · New York law and practice
Solicitation, advertising, and methods of doing business
Apply New York solicitation-hour restrictions, identity rules, and prohibitions against misleading or coercive methods.
Estimated reading: 12 minutes - 6 · New York law and practice
Referrals, financial interests, and the insured’s best interests
Recognize referral compensation and relationship disclosures while preserving consumer choice and avoiding prohibited conflicts.
Estimated reading: 12 minutes - 7 · New York law and practice
Books, communications, claim checks, and direction of payment
Maintain the transaction record and handle insurer payments without confusing a fee direction with ownership of claim proceeds.
Estimated reading: 12 minutes - 8 · New York law and practice
Claim preparation, Regulation 64, and evidence-driven negotiation
Apply policy duties and New York claim-handling standards without confusing insurer obligations with public-adjuster authority.
Estimated reading: 12 minutes - 9 · New York law and practice
Applied residential claims: dwelling, homeowners, and loss settlement
Use New York conduct rules while analyzing cause, property category, valuation, mitigation, and additional living expense.
Estimated reading: 12 minutes - 10 · New York law and practice
Applied commercial claims: property, income, equipment, and records
Coordinate New York public-adjuster compliance with commercial policy structure and business-loss evidence.
Estimated reading: 12 minutes - 11 · New York law and practice
Discipline, reporting, disaster readiness, and final compliance review
Recognize enforcement grounds and use a final workflow that keeps licensing, contracts, fees, records, and claim work aligned.
Estimated reading: 12 minutes - 12 · Property insurance
Homeowners and dwelling coverage
Compare homeowners forms, dwelling policies, coverage sections, and causes of loss.
Estimated reading: 6 minutes - 13 · Property insurance
Homeowners claim workshop
Work a wind-and-water claim from the policy schedule through loss-of-use and contents limits.
Estimated reading: 7 minutes - 14 · Property insurance
Commercial property and time-element coverage
Separate buildings, business property, lost income, extra expense, and code-related costs.
Estimated reading: 5 minutes - 15 · Property insurance
Commercial loss workshop
Analyze a business fire, income loss, extra expense, and code upgrades without double counting.
Estimated reading: 6 minutes - 16 · Property insurance
Marine, floaters, and flood
Identify exposures that need specialized property coverage.
Estimated reading: 5 minutes - 17 · Property insurance
Special property and water-loss workshop
Compare flood, earthquake, mine subsidence, floaters, builders risk, and equipment breakdown.
Estimated reading: 6 minutes - 18 · Terms and concepts
Insurance vocabulary in claim scenarios
Apply the language of risk, indemnity, valuation, and policy interpretation.
Estimated reading: 7 minutes - 19 · Terms and concepts
ACV, replacement cost, and coinsurance
Calculate depreciation, deductibles, insurance-to-value requirements, and partial-loss payments.
Estimated reading: 5 minutes - 20 · Terms and concepts
Valuation calculation lab
Practice multi-step ACV, deductible, coinsurance, limits, and payment reconciliation problems.
Estimated reading: 6 minutes - 21 · Policy provisions
Policy structure and claim procedures
Read the contract and distinguish notice, proof of loss, appraisal, and subrogation.
Estimated reading: 6 minutes - 22 · Policy provisions
Claim conditions and dispute workshop
Work through notice, proof, appraisal, other insurance, mortgagees, and preservation of rights.
Estimated reading: 6 minutes - 23 · Building techniques
Damage documentation and estimating
Turn damage observations into quantities, repair operations, and supported estimates.
Estimated reading: 5 minutes - 24 · Building techniques
Roof and electrical estimating lab
Measure roof work, identify components, and document electrical damage safely.
Estimated reading: 6 minutes - 25 · Building techniques
Interior quantities and estimate audit
Calculate walls, flooring, trim, paint, and concrete while controlling duplication and assumptions.
Estimated reading: 6 minutes
Read a sample: New York public adjusting: role, scope, and exam map
Licensed role and client
New York Insurance Law § 2101(g)(2) defines a public adjuster by conduct. A person or business that, for money, commission, or another thing of value, acts or aids on behalf of an insured in negotiating or effecting settlement of covered categories of property loss falls within the definition. Soliciting, investigating, or adjusting those claims for another public adjuster is also included. Section 2108 then requires an adjuster acting for an insured to hold the public-adjuster license. The rule follows the work and the represented party, so calling a service “claims consulting,” “loss estimating,” or “documentation assistance” does not avoid licensure when the actual service is compensated insured-side claim adjustment. A public adjuster owes an affirmative statutory duty to act for and in the insured’s best interests. The insured is the client. The insurer’s staff or independent adjuster serves the carrier, and the public adjuster cannot issue the insurer’s coverage decision, bind the insurer, or promise a particular payment. The adjuster should explain the engagement accurately, document the client’s objectives, and ground every demand in policy language and evidence.
Course takeaway: New York licenses compensated advocacy for an insured on specified property claims; title, fee structure, and informal experience do not erase the licensing boundary.
This is a limited sample from the published course. Your paid pass provides the full lessons and learning workspace.
Build a practical study plan
- Read the course scope and check the official sources below for current requirements.
- Study one topic at a time. Explain the key idea in your own words before answering questions.
- Use practice questions and flashcards to find weak areas. Return to the relevant lesson instead of memorizing an answer letter.
- Use the interactive labs and practice assessments to connect policy language, evidence and calculations.
Questions before you start
Does this course issue a license or provide continuing-education credit?
No. It is independent study material. Licensing, official exams, required education and CE approval are separate matters. Read the New York sources and course scope before purchasing.
How long does my purchase last?
A $50 single-state pass provides six calendar months from purchase. A $100 all-state pass provides one year. Neither automatically renews.
Can I continue on another device?
Sign in to the same account to use your saved course progress and learning tools. Your dashboard lets you return to your course.
Sources behind this course edition
These are the references recorded with the published course. Dates below are the recorded source checks, not a claim that every source was revalidated today. Some retired document links lead to the authority’s current resource directory instead. These link repairs do not constitute a new substantive review. Confirm current rules with the relevant authority.
- New York Insurance Law § 2101 — definitions — recorded check: 2026-09-09
- New York Insurance Law § 2108 — adjusters; licensing and duties — recorded check: 2026-09-09
- New York Insurance Law § 2110 — discipline — recorded check: 2026-09-09
- DFS Regulation 10, 11 NYCRR Part 25 — Public Adjusters — recorded check: 2026-09-09
- DFS Public Adjuster Series 17-62 Exam Content Topic Locator — recorded check: 2026-09-09
- DFS Prelicensing Course Standards — recorded check: 2026-09-09
- DFS Disaster and Flood Recovery — licensed public adjusters — recorded check: 2026-09-09
- DFS Adjuster Application and $1,000 Bond Instructions — recorded check: 2026-09-09