Claims Adjuster Practice Test

Prepare for your test with realistic questions.

Insurance claims adjusters play an important role in the insurance industry. Obtaining a license for your state is important, so we’ve outlined everything you need to know about the certification exam to help you know what to expect.

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What is a Claims Adjuster?

Claims adjusters are the people who examine property damage, auto collision, personal injury claims, and more, to determine the amount an insurance company should pay. Adjusters often conduct interviews, look at police reports, and inspect damages, among other duties. It can be a fast-paced career that has its financial rewards, and there are a number of different areas an insurance claim adjuster can work in. The key is getting the right license that lets you work in your own state and, potentially, in another state. That can be a bit daunting since the rules and regulations are different from state to state, so we’ve created this handy guide to help walk people through what they can expect as they prepare for their dream of becoming an insurance claims adjuster.

Claims Adjuster Exam Eligibility

To be eligible to take the exam, you will likely be required to have at least a high school diploma or some equivalent. Some companies prefer that you have a college degree (either a 2- or 4-year degree) in a field associated with insurance.

You may also be asked to take a 40-hour, pre-licensing course before you take the test.

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Claims Adjuster Exam Outline

It’s important to note that the Claims Adjuster exam will be different depending on which state you take it in, so it is important to check the regulations in your area.

Some exams will have around 150 questions, while others may only have 50-75 questions. The time limit for the exam will vary by state as well, but it generally falls between 2 and 3 hours.

The questions on the exam involve a wide range of issues adjusters may have to tackle. Here is a look at what topics you may see on your exam:

  • General property and casualty insurance product knowledge
  • Standard fire policy, with knowledge of basic coverages and provisions, appraisal, replacement costs, and more
  • Auto liability
  • Homeowner insurance coverage, including issues involving dwellings and contents
  • Commercial lines coverage, which looks at property forms, commercial package policies, cargo, and more
  • Inland marine, which looks at personal and commercial floaters, and commercial inland marine
  • Additional coverages, such as business interruption, depreciation, deductibles, replacement costs, robbery, indemnity, damages, and more
  • Terminology
    • Peril
    • Waiver agreement
    • Valued policy
    • Depreciation
    • Deductible
    • Subrogation
    • Arbitration
    • And more
  • Policy provisions
    • Declarations
    • Insuring agreements
    • Conditions
    • Exclusions
    • Arbitration

Claims Adjuster Exam Registration

To register for the exam, you will most likely have to provide background information (e.g., employment history) and personal information (e.g., photo ID). Some states have other requirements, like carrying a minimum amount of adjuster insurance.

The exam fee varies by state.

Claims Adjuster Exam Scores

The passing score for this exam will vary slightly by state, but you will need to answer at least 70% of the questions correctly to pass.

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How to Study for the Claims Adjuster Exam

How to Study Effectively

Your success on Claims Adjuster test day depends not only on how many hours you put into preparing but also on whether you prepared the right way. It’s good to check along the way to see whether your studying is paying off. One of the most effective ways to do this is by taking Claims Adjuster practice tests to evaluate your progress. Practice tests are useful because they show exactly where you need to improve. Every time you take a free Claims Adjuster exam practice test, pay special attention to these three groups of questions:

  • The questions you got wrong
  • The ones you had to guess on, even if you guessed right
  • The ones you found difficult or slow to work through

This will show you exactly what your weak areas are and where you need to devote more study time. Ask yourself why each of these questions gave you trouble. Was it because you didn’t understand the material? Was it because you didn’t remember the vocabulary? Do you need more repetitions on this type of question to build speed and confidence? Dig into those questions and figure out how you can strengthen your weak areas as you go back to review the material.

Answer Explanations

Additionally, many Claims Adjuster practice tests have a section explaining the answer choices. It can be tempting to read the explanation and think that you now have a good understanding of the concept. However, an explanation likely only covers part of the question’s broader context. Even if the explanation makes sense, go back and investigate every concept related to the question until you’re positive you have a thorough understanding.

Comprehend Each Topic

As you go along, keep in mind that the Claims Adjuster practice test is just that: practice. Memorizing these questions and answers will not be very helpful on the actual test because it is unlikely to have any of the same exact questions. If you only know the right answers to the sample questions, you won’t be prepared for the real thing. Study the concepts until you understand them fully, and then you’ll be able to answer any question that shows up on the test.

Strategy for Claims Adjuster Practice

When you’re ready to start taking practice tests, follow this strategy:

  • Remove Limitations. Take the first test with no time constraints and with your notes and Claims Adjuster study guide handy. Take your time and focus on applying the strategies you’ve learned.
  • Time Yourself. Take the second practice test “open book” as well, but set a timer and practice pacing yourself to finish in time.
  • Simulate Test Day. Take any other practice tests as if it were test day. Set a timer and put away your study materials. Sit at a table or desk in a quiet room, imagine yourself at the testing center, and answer questions as quickly and accurately as possible.
  • Keep Practicing. Keep taking practice tests on a regular basis until you run out of practice tests or it’s time for the actual test. Your mind will be ready for the schedule and stress of test day, and you’ll be able to focus on recalling the material you’ve learned.



How many questions are on the Claims Adjuster exam?


The number of questions on the exam will depend on which state you take the exam in.


How long is the Claims Adjuster exam?


The time limit for this exam will vary depending on which state you take it in.


What is a passing score for the Claims Adjuster exam?


The passing score for this exam will vary depending on which state you take the exam in, but answering 70% of the questions correctly will generally get you a passing score.


How much does the Claims Adjuster exam cost?


The cost of this exam will vary depending on which state you take the exam in.

By Peter Rench

Peter Rench joined Mometrix in 2009 and serves as Vice President of Product Development, responsible for overseeing all new product development and quality improvements. Mr. Rench, a National Merit Scholar, graduated magna cum laude with a Bachelor of Science in Mechanical Engineering and a minor in mathematics from Texas A&M University.


by Mometrix Test Preparation | Last Updated: October 13, 2023