Pass the adjuster exam. Know the law behind every answer.
Original practice questions written from the actual policy forms and state statutes, timed exams built to each state's official outline, and licensing guides you can check against the source.
Practice by state exam
Each exam page has that state's law questions, the official format and outline, and a timed exam with the same length and time limit as the real one.
Drill one topic at a time
Every topic test gives instant feedback, a cited explanation for each answer and a score breakdown by subtopic.
- Insurance Basics and Contract Law59 questions
- Claims Handling and Adjuster Ethics50 questions
- Homeowners Insurance55 questions
- Dwelling Policies and Inland Marine34 questions
- Personal Auto Policy50 questions
- Commercial Auto, Garage and Aviation40 questions
- Commercial Property and Business Income50 questions
- General Liability and Negligence50 questions
- Workers Compensation40 questions
- Flood Insurance (NFIP)40 questions
- Adjuster Math40 questions
Licensing, mapped
37 jurisdictions license adjusters, and each treats nonresidents differently. Our state guides cite the regulator, the statute and the exam handbook for every rule.
Guides worth reading first
- How to Become an Insurance Adjuster in 2026Career
- Designated Home State Adjuster LicenseLicensing
- Texas vs Florida Adjuster LicenseLicensing
- Independent vs Staff vs Public AdjusterCareer
- Catastrophe Adjuster GuideCareer
- How to Pass the Insurance Adjuster ExamExam prep
How the questions are made
Real exam questions are confidential, and sites that sell "actual exam questions" are reselling memorized items of unknown accuracy. We take the opposite approach: every question is written from a primary source, such as an ISO policy form, a state statute, a FEMA manual or the exam vendor's content outline, and the explanation names that source.
Each question bank then goes through a separate fact-check pass that re-derives every answer and checks every number. That review has caught recent law changes, outdated FEMA figures and ambiguous scenarios before they reached the site.
Frequently asked questions
How do I become an insurance adjuster?
In most states you pass a state adjuster exam (or complete an approved prelicensing course that replaces it), submit fingerprints and apply for the license through the state insurance department. If your state does not license adjusters, you can earn a designated home state license from a state such as Texas or Florida. Our step-by-step guide covers the whole path.
Which adjuster license should I get first?
Get the license for the state you live in if it offers one. If it does not, most new independent adjusters choose a Texas or Florida designated home state license, because many other states issue nonresident licenses based on it. Use the reciprocity map to see where each license works.
Are the practice questions free?
Yes. Every practice test, timed exam, flashcard and guide on CoveragePrep is free with no account required. The site is supported by advertising.
How much do insurance adjusters make?
The U.S. Bureau of Labor Statistics reports a mean annual wage of $80,470 for claims adjusters, examiners and investigators (May 2025 data). Independent catastrophe adjusters are paid per claim and can earn much more during busy storm seasons. See adjuster salary by state.