Tennessee Public Adjuster Licensing and Practice
Explore what you will learn in Tennessee, 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 Tennessee 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 · Tennessee law and public-adjuster practice
Tennessee public-adjuster scope and official examination
Identify regulated insured-side property work and follow the current official exam blueprint.
Estimated reading: 14 minutes - 2 · Tennessee law and public-adjuster practice
Application, examination, fingerprints, and entity licensing
Build the resident, nonresident, and business-entity license pathway from current agency instructions.
Estimated reading: 14 minutes - 3 · Tennessee law and public-adjuster practice
Bond, errors-and-omissions coverage, renewal, and continuing education
Maintain continuous financial responsibility and a valid two-year license.
Estimated reading: 14 minutes - 4 · Tennessee law and public-adjuster practice
Written contract, pre-signing disclosure, and representation notice
Create a compliant engagement package before public-adjuster work begins.
Estimated reading: 14 minutes - 5 · Tennessee law and public-adjuster practice
Rescission, return of value, and post-loss waiting periods
Calendar business-day cancellation and distinct residential post-loss solicitation restrictions.
Estimated reading: 14 minutes - 6 · Tennessee law and public-adjuster practice
Compensation ceilings, settlement timing, and early policy-limit payment
Apply the correct residential fee rule to contract timing and narrow exceptions.
Estimated reading: 14 minutes - 7 · Tennessee law and public-adjuster practice
Loyalty, conflicts, repairs, salvage, and insured consent
Protect insured choice and disclose every loss-connected interest and compensation source.
Estimated reading: 14 minutes - 8 · Tennessee law and public-adjuster practice
Trust accounts and five-year transaction records
Protect claim funds and maintain a reproducible transaction file.
Estimated reading: 14 minutes - 9 · Tennessee law and public-adjuster practice
Complaints, investigation, discipline, and civil penalties
Recognize disciplinary grounds and preserve records through complaint and investigation response.
Estimated reading: 14 minutes - 10 · Tennessee law and public-adjuster practice
Applied residential and commercial claim compliance
Join licensing, contract, timing, policy analysis, valuation, and settlement controls in realistic files.
Estimated reading: 14 minutes - 11 · Property insurance
Homeowners and dwelling coverage
Compare homeowners forms, dwelling policies, coverage sections, and causes of loss.
Estimated reading: 6 minutes - 12 · 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 - 13 · Property insurance
Commercial property and time-element coverage
Separate buildings, business property, lost income, extra expense, and code-related costs.
Estimated reading: 5 minutes - 14 · Property insurance
Commercial loss workshop
Analyze a business fire, income loss, extra expense, and code upgrades without double counting.
Estimated reading: 6 minutes - 15 · Property insurance
Marine, floaters, and flood
Identify exposures that need specialized property coverage.
Estimated reading: 5 minutes - 16 · Property insurance
Special property and water-loss workshop
Compare flood, earthquake, mine subsidence, floaters, builders risk, and equipment breakdown.
Estimated reading: 6 minutes - 17 · Terms and concepts
Insurance vocabulary in claim scenarios
Apply the language of risk, indemnity, valuation, and policy interpretation.
Estimated reading: 7 minutes - 18 · Terms and concepts
ACV, replacement cost, and coinsurance
Calculate depreciation, deductibles, insurance-to-value requirements, and partial-loss payments.
Estimated reading: 5 minutes - 19 · Terms and concepts
Valuation calculation lab
Practice multi-step ACV, deductible, coinsurance, limits, and payment reconciliation problems.
Estimated reading: 6 minutes - 20 · Policy provisions
Policy structure and claim procedures
Read the contract and distinguish notice, proof of loss, appraisal, and subrogation.
Estimated reading: 6 minutes - 21 · Policy provisions
Claim conditions and dispute workshop
Work through notice, proof, appraisal, other insurance, mortgagees, and preservation of rights.
Estimated reading: 6 minutes - 22 · Building techniques
Damage documentation and estimating
Turn damage observations into quantities, repair operations, and supported estimates.
Estimated reading: 5 minutes - 23 · Building techniques
Roof and electrical estimating lab
Measure roof work, identify components, and document electrical damage safely.
Estimated reading: 6 minutes - 24 · 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: Tennessee public-adjuster scope and official examination
The regulated role
Tennessee defines a public adjuster by the work performed, the client served, and the claim involved. A person outside an insurer who acts for compensation on behalf of an insured in investigating, verifying, substantiating, estimating, appraising, presenting, discussing, or effectuating resolution of a first-party claim under insurance covering the insured's real or personal property can fall within the license. Advertising or soliciting that work, and assisting another public adjuster with regulated claim activity, can also trigger the statute. A job title does not narrow the definition. Intake should identify the insured, property interest, policy, loss, services, compensation, and person who will perform each task.
Course takeaway: Tennessee licenses insured-side first-party property claim work and tests it in a 50-scoreable-question, one-hour examination.
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 Tennessee 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.
- Tennessee General Assembly — Tennessee Code access, Title 56, Chapter 6, Part 9 — recorded check: 2026-09-10
- Tennessee Public Acts 2006, Chapter 997 — historical enacted public-adjuster licensing act — recorded check: 2026-09-10
- Tennessee Secretary of State, Rule Chapter 0780-01-91 — Public Adjusters — recorded check: 2026-09-10
- Tennessee Department of Commerce and Insurance — Public Adjuster Requirements — recorded check: 2026-09-10
- Tennessee Department of Commerce and Insurance — Public Adjuster Fingerprinting — recorded check: 2026-09-10
- Pearson VUE Tennessee Insurance Candidate Handbook #124300 — recorded check: 2026-09-10
- Pearson VUE Tennessee Insurance Content Outlines #124301, effective October 15, 2025 — recorded check: 2026-09-10
- Tennessee consumer disaster recovery and claims resources — recorded check: 2026-09-10
- NAIC glossary and consumer insurance resources — recorded check: 2026-09-10