South Carolina Public Adjuster Complete Study Course
Explore what you will learn in South Carolina, 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 South Carolina 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 · South Carolina law and practice
South Carolina public adjusting and the current exam map
Use enacted Chapter 92 for practice law while treating the Pearson outline’s repealed Chapter 48 references as an exam-provider lag.
Estimated reading: 14 minutes - 2 · Property insurance
Homeowners and dwelling coverage
Compare homeowners forms, dwelling policies, coverage sections, and causes of loss.
Estimated reading: 6 minutes - 3 · 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 - 4 · Property insurance
Commercial property and time-element coverage
Separate buildings, business property, lost income, extra expense, and code-related costs.
Estimated reading: 5 minutes - 5 · Property insurance
Commercial loss workshop
Analyze a business fire, income loss, extra expense, and code upgrades without double counting.
Estimated reading: 6 minutes - 6 · Property insurance
Marine, floaters, and flood
Identify exposures that need specialized property coverage.
Estimated reading: 5 minutes - 7 · Property insurance
Special property and water-loss workshop
Compare flood, earthquake, mine subsidence, floaters, builders risk, and equipment breakdown.
Estimated reading: 6 minutes - 8 · Terms and concepts
Insurance vocabulary in claim scenarios
Apply the language of risk, indemnity, valuation, and policy interpretation.
Estimated reading: 7 minutes - 9 · Terms and concepts
ACV, replacement cost, and coinsurance
Calculate depreciation, deductibles, insurance-to-value requirements, and partial-loss payments.
Estimated reading: 5 minutes - 10 · Terms and concepts
Valuation calculation lab
Practice multi-step ACV, deductible, coinsurance, limits, and payment reconciliation problems.
Estimated reading: 6 minutes - 11 · Policy provisions
Policy structure and claim procedures
Read the contract and distinguish notice, proof of loss, appraisal, and subrogation.
Estimated reading: 6 minutes - 12 · Policy provisions
Claim conditions and dispute workshop
Work through notice, proof, appraisal, other insurance, mortgagees, and preservation of rights.
Estimated reading: 6 minutes - 13 · Building techniques
Damage documentation and estimating
Turn damage observations into quantities, repair operations, and supported estimates.
Estimated reading: 5 minutes - 14 · Building techniques
Roof and electrical estimating lab
Measure roof work, identify components, and document electrical damage safely.
Estimated reading: 6 minutes - 15 · Building techniques
Interior quantities and estimate audit
Calculate walls, flooring, trim, paint, and concrete while controlling duplication and assumptions.
Estimated reading: 6 minutes - 16 · South Carolina law and practice
Resident licensing, examination, fingerprints, and office requirements
Build the Act 209 resident path from eligibility and character through exam, background checks, bond, fee, and active status.
Estimated reading: 14 minutes - 17 · South Carolina law and practice
Nonresident licensing, renewal, continuing education, and address changes
Maintain home-state authority, reciprocal eligibility, continuing education, October renewal, and current contact information.
Estimated reading: 14 minutes - 18 · South Carolina law and practice
Financial responsibility, discipline, and continuing authority
Maintain the $20,000 instrument and recognize the conduct that can support denial, suspension, revocation, or civil penalties.
Estimated reading: 14 minutes - 19 · South Carolina law and practice
Public Adjuster Contract and pre-signing disclosure
Construct the Chapter 92 contract, conflict disclosure, consumer explanation, duplicate originals, and representation notice.
Estimated reading: 14 minutes - 20 · South Carolina law and practice
Rescission, five-day policy-limit rule, and compensation
Separate cancellation, early policy-limit, ten-percent, and pre-settlement collection rules.
Estimated reading: 14 minutes - 21 · South Carolina law and practice
Loyalty, competence, conflicts, solicitation, and settlement consent
Apply the new ethical duties to claim selection, representations, referrals, advertising, deductibles, salvage, and settlements.
Estimated reading: 14 minutes - 22 · South Carolina law and practice
South Carolina trust funds and five-year transaction records
Protect insured money in a South Carolina trust account and retain the complete statutory transaction record.
Estimated reading: 14 minutes - 23 · South Carolina law and practice
Regulatory reporting, unlicensed fraud, assignment, and enforcement
Meet thirty-day reports, prevent unlicensed public-adjusting conduct, and keep repair contractors from using powers of attorney to evade licensure.
Estimated reading: 14 minutes - 24 · South Carolina law and practice
South Carolina law topics named by the exam outline
Place guaranty, policy-status, fraud, arbitration, and terrorism topics beside current Chapter 92 without confusing old citations with current law.
Estimated reading: 14 minutes - 25 · South Carolina law and practice
Applied South Carolina public-adjuster claim-file review
Combine Chapter 92 authority, contract, fee, conduct, funds, records, and reporting into a reproducible release control.
Estimated reading: 14 minutes
Read a sample: South Carolina public adjusting and the current exam map
Act 209 controls current practice
South Carolina Act 209 was approved May 19, 2026 and took effect upon approval. It added Chapter 92 for public insurance adjusters and expressly repealed former Chapter 48. Chapter 92 therefore controls current practice even though the ordinary online code page and some Department or exam-provider material still display earlier provisions. A reliable compliance file identifies the source, enactment status, effective date, and review date instead of assuming that the easiest page to find is current.
Course takeaway: Act 209 governs current conduct: public adjusting includes insured-side first-party property work, advertising, solicitation, investigation, advice, negotiation, and settlement.
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 South Carolina 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.
- South Carolina Act 209 of 2026 (S.196), enacted Chapter 92 — Public Insurance Adjusters — recorded check: 2026-09-10
- South Carolina Department of Insurance — Public Adjuster — recorded check: 2026-09-10
- South Carolina Department of Insurance — Forms, Public Adjuster section — recorded check: 2026-09-10
- Pearson VUE South Carolina Insurance Licensing Candidate Handbook #125000 — recorded check: 2026-09-10
- Pearson VUE South Carolina Insurance Content Outlines #125010 — recorded check: 2026-09-10
- South Carolina Code of Laws, Title 38, Chapter 31 — Property and Casualty Insurance Guaranty Association — recorded check: 2026-09-10
- South Carolina Code of Laws, Title 38, Chapter 55 — Insurance Fraud — recorded check: 2026-09-10
- South Carolina Code of Laws, Title 38, Chapter 75 — Property and Casualty Insurance — recorded check: 2026-09-10
- NAIC glossary and consumer insurance resources (general concepts only) — recorded check: 2026-09-10
- FEMA NFIP flood insurance basics — recorded check: 2026-09-10
- NAIC small-business insurance resources — recorded check: 2026-09-10