Virginia Public Adjuster Licensing and Practice
Explore what you will learn in Virginia, 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 Virginia 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 · Virginia law and public-adjuster practice
Virginia public-adjuster scope and the Series 11-08 examination
Classify insured-side property work and use the current official examination outline.
Estimated reading: 15 minutes - 2 · Virginia law and public-adjuster practice
Resident, nonresident, mover, and entity licensing
Assemble the correct licensing pathway and preserve proof for every status decision.
Estimated reading: 15 minutes - 3 · Virginia law and public-adjuster practice
Bond, renewal, reinstatement, continuing education, and reporting
Keep authority active with continuous financial responsibility, timely renewal, education, and reports.
Estimated reading: 15 minutes - 4 · Virginia law and public-adjuster practice
Standards of conduct, solicitation limits, and protected consumers
Apply fair dealing, licensing boundaries, solicitation hours, and anti-exploitation rules.
Estimated reading: 15 minutes - 5 · Virginia law and public-adjuster practice
Written contract, separate disclosure, and rescission
Form a compliant engagement and preserve the policyholder’s cancellation rights.
Estimated reading: 15 minutes - 6 · Virginia law and public-adjuster practice
Fees, catastrophe cap, policy-limit timing, and payment structure
Calculate lawful compensation only after settlement and apply the special catastrophe and early-limit rules.
Estimated reading: 15 minutes - 7 · Virginia law and public-adjuster practice
Conflicts, referrals, repairs, salvage, appraisal, and settlement control
Keep financial interests and affiliated services from displacing policyholder choice.
Estimated reading: 15 minutes - 8 · Virginia law and public-adjuster practice
Fiduciary funds, records, and information security
Protect claim money, reproduce the file for regulators, and safeguard policyholder information.
Estimated reading: 15 minutes - 9 · Virginia law and public-adjuster practice
Advertising, unauthorized practice, discipline, and penalties
Review marketing, prevent unlicensed activity, and respond correctly to investigation or discipline.
Estimated reading: 15 minutes - 10 · Virginia law and public-adjuster practice
Applied Virginia residential and commercial claim compliance
Combine legal controls with policy analysis, evidence, valuation, money, and policyholder decisions.
Estimated reading: 15 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: Virginia public-adjuster scope and the Series 11-08 examination
Regulated activity
Virginia public adjusting includes soliciting, investigating, negotiating, adjusting, or advising a policyholder about a first-party claim under insurance covering the policyholder's real or personal property for the purpose of settlement. Advertising or representing oneself as a public adjuster is included. The 2026 definition of negotiate expressly reaches investigation, evaluation, advice, claim preparation, advocacy, and settlement assistance. Intake should identify the client, policy, property, services, compensation, and who will perform every substantive task before a file is accepted.
Course takeaway: Virginia regulates compensated first-party property claim advocacy and tests it through a 50-scoreable-question resident 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 Virginia 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.
- Code of Virginia, Title 38.2, Chapter 18, Article 4.1 — Licensing of Public Adjusters — recorded check: 2026-09-10
- Code of Virginia § 38.2-218 — Penalties and restitution payments — recorded check: 2026-09-10
- Virginia Acts of Assembly 2026, Chapter 142 — public-adjuster amendments — recorded check: 2026-09-10
- Virginia State Corporation Commission Bureau of Insurance — Applying for an Individual Virginia Insurance License — recorded check: 2026-09-10
- Virginia State Corporation Commission Bureau of Insurance — Continuing Education Requirements — recorded check: 2026-09-10
- Prometric — Virginia Insurance examinations — recorded check: 2026-09-10
- Prometric Virginia Public Adjuster Examination Content Outline, Series 11-08 — recorded check: 2026-09-10
- Prometric Virginia Insurance Licensing Information Bulletin — recorded check: 2026-09-10
- NAIC glossary and consumer insurance resources — recorded check: 2026-09-10