Texas Independent Adjuster Exam Prep FREE Sample Exam

Claimant James Ford in Dallas missed three weeks of work after a collision. What documentation best supports his wage loss?

Employer verification of position, pay rate, and dates missed, tied to medical restrictions for the same period

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The claimant's verbal estimate of what he probably earns

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Social media posts about the accident

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A coworker's note saying the claimant seemed sore

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Wildfires near Corpus Christi force evacuations and dozens of homes are inaccessible behind fire lines. Adjuster Brooke’s policyholders cannot reach their properties. What should Brooke do?

Tell policyholders to cross fire lines to take photographs

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Stay in documented contact, advance emergency living expense help where the policy provides it, use available aerial and agency information for preliminary assessments, and schedule ground inspections as soon as access is safe and permitted

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Close the claims for failure to allow inspection

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Deny smoke claims because the homes are still standing

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All of the following are sound claim privacy practices EXCEPT:

Emailing a claimant's medical records to a personal email account so the adjuster can work from home more easily

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Limiting claim file access to those with a business need to know

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Collecting only the medical information reasonably related to the claimed injury

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Using secure systems to transmit sensitive claim documents

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Adjuster Laura Chen completes coverage verification and finds the loss is clearly covered with no reservation needed. What should she do?

Document the coverage conclusion and its basis in the file and communicate it clearly to the insured as handling proceeds

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Send a reservation of rights letter anyway to keep pressure on the insured

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Keep the conclusion out of the file so it can be changed later without explanation

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Tell the insured coverage is still unknown after verification is complete

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Why must denial decisions receive supervisory or peer review on significant claims?

Review exists so a supervisor can deny more claims per week

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Review tests whether the facts, policy reading, and letter support the denial before the insured bears its consequences

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Review allows the file to omit the denial's reasoning

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Significant denials need no review because adjusters are always right

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All of the following affect a depreciation determination EXCEPT:

The adjuster's desire to reach a round settlement number

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The item's age and condition at the time of loss

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The item's expected useful life

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Observable wear, maintenance, and obsolescence

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Why must an adjuster correct a file error transparently rather than overwriting the original entry?

The whole file should be deleted and restarted when any error is found

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Overwriting is preferred because reviewers dislike corrections

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Errors should be left uncorrected to avoid attention

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A dated correction that preserves the original entry maintains the file's credibility and audit trail

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All of the following belong in a thorough first notice of loss EXCEPT:

The name of the person reporting the loss

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The adjuster's personal home address and personal phone number

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Whether anyone was injured

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Whether police or fire departments responded

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Driver Sam Ortiz in Houston gives a statement, then later recalls a key detail differently. What should the adjuster do?

Document both versions, ask neutral follow-up questions about the difference, and weigh it with the other evidence

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Ignore the difference entirely and never note it

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Accuse him of lying and close the investigation immediately

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Delete the first version so the file shows only one account

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Which statement about the adjuster’s own notes in a litigated file is most accurate?

Sarcastic comments about claimants are fine if the evaluation is sound

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Notes can be rewritten after suit to sound more professional

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Notes are private and can never be seen outside the insurer

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Notes should be factual and professional from the day they are written, because claim files are routinely discoverable and the adjuster may be cross-examined on every entry

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A Houston kitchen fire damages 240 square feet of flooring. Replacement flooring costs $9.50 per square foot installed, plus $380 for subfloor repair. What is the flooring portion of the estimate?

$3,040

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$1,900

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$2,280

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$2,660

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Before settling a total-loss boat claim in Beaumont, adjuster Sara wants a salvage credit. The soundest way to establish the salvage value is to:

Use a flat 1 percent of value on every total loss

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Ask the insured what the wreck feels like it is worth

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Skip valuation and deduct an arbitrary round number

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Obtain documented salvage bids or a recognized salvage valuation for the wreck in its actual condition and location, and note the method in the file

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Texas Independent Adjuster Exam Prep FREE Sample Exam

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