Maryland’s Public Adjuster license, issued under the authority of the Maryland Insurance Administration (MIA), qualifies an adjuster to represent policyholders — never the insurer — in property insurance claims. The licensing examination is the Maryland Public Adjuster examination, delivered by Prometric: 50 scored questions in 90 minutes. PassProfessor’s Maryland public adjuster program is in the works, built on the published examination outline for this license and on Maryland’s own licensing rules, and this program page states the verified facts of both.
This program is part of the expanding PassProfessor catalog — join the notify list and we’ll email you when enrollment opens.
Maryland delivers its public adjuster examination through Prometric, the only Prometric paper among these twelve states, and builds it regulation-first: 15 of its 50 questions sit in Insurance Regulation, against 9 in Insurance Basics and 6 in Adjusting Losses. The license behind the paper is a distinct Maryland credential — the Insurance Administration lists Public Adjuster among the licenses that require an examination, at a $50 license fee in the state’s published schedule — for the professional who contracts with Maryland policyholders to adjust their property claims.
PassProfessor’s Maryland Public Adjuster program is in the works as part of the expanding PassProfessor catalog. It is built for one examination only — the Maryland Public Adjuster examination — in Maryland, a Chesapeake state whose examination is the regulation-heaviest in this batch — nearly a third of the paper is insurance regulation. Everything on this page is stated from the regulator’s and the vendor’s own publications, and the companion exam guide carries the full detail.
Which license is this?
This page covers one license only: the Public Adjuster license issued by the Maryland Insurance Administration (MIA). The public adjuster is hired by the insured to adjust a property claim on the insured’s side of the table — the opposite seat from the company adjuster the insurer employs and the independent adjuster the insurer contracts. The Maryland paper’s proportions invert the usual preparation instinct. Candidates arriving from property-coverage study habits face an examination where regulation outweighs adjusting practice two and a half to one. Maryland law — licensing, contracts, prohibited conduct, and the Administration’s authority — is not the garnish on this examination; at 30 percent it is the main course, and the coverage material shares the remaining 35 questions with basics and loss adjusting.
What will the program cover?
Original practice material, written to Maryland’s published outline. The program is being built from scratch against the published content outline for the Maryland Public Adjuster examination. No practice item is an actual examination item or another provider’s material; items are written as the decisions this license actually makes — a coverage question inside a damaged property, a valuation dispute, a Maryland rule that governs what the adjuster may do next — because that is the shape of the work and of the paper.
The licensing sequence, not only the sitting. Passing the examination is one gate in a sequence the Maryland Insurance Administration controls end to end. The program’s preparation keeps the whole sequence in view — the steps below are the license’s real order of operations in Maryland — so a candidate’s study plan is built around the route as it actually runs, not around the test day alone.
Results you can read by outline area. Practice is organised by the outline areas in the table below, so results can be read area by area: a candidate strong on coverage but thin on Maryland law sees that split while there is still time to repair it, in the proportions the examination itself will apply.
Preparation only. This program prepares candidates for the Maryland Insurance Administration’s examination. It is not a product of the Maryland Insurance Administration (MIA), Prometric, or any state body, carries no credit from any of them, and satisfies no licensing requirement by itself. PassProfessor is an independent preparation provider, not affiliated with the Maryland Insurance Administration (MIA), Prometric, or any testing vendor named on this page.
What are the verified facts of the license?
| Fact of record | Detail |
|---|---|
| License | Public Adjuster — Maryland |
| Regulator | Maryland Insurance Administration (MIA) |
| Examination | Maryland Public Adjuster examination |
| Vendor | Prometric |
| Format | 50 scored questions; 90 minutes |
| Examination fee | $62 per attempt (third-party examination fee, paid to Prometric when the examination is scheduled) |
| Passing standard | 70 percent, as published for the Prometric Maryland public adjuster examination |
| Status of this program | In the works — enrollment is not open; join the notify list |
How does preparation map to the examination outline?
| Outline area | Weight on the examination | What it covers |
|---|---|---|
| Insurance Regulation | 15 of 50 | Thirty percent of the paper: Maryland licensing law, public adjuster contracts and conduct, and the Administration’s regulatory authority. |
| Insurance Basics | 9 of 50 | Contracts, risk, and foundational concepts. |
| Adjusting Losses | 6 of 50 | Investigation, valuation, and settlement practice. |
| Policy coverages — dwelling, homeowners, commercial, and related forms | 20 of 50 across the remaining sections | The coverage substance, sharing the balance of the paper across the outline’s remaining sections. |
The section figures are Prometric’s Maryland outline (Series 2023 / 2043, effective September 21, 2021): Regulation 30 percent, Basics 18 percent, Adjusting Losses 12 percent, with the remaining 40 percent across the coverage sections.
Fifty questions means every question carries two percent of the result, and fifteen of them are Maryland regulation. The examination is short, generously timed at 90 minutes, and decided disproportionately by the candidate’s command of the state’s own rules.
The licensing steps in Maryland
Step 1 — Pass the Prometric examination. The Public Adjuster examination: 50 scored questions in 90 minutes, $62, administered by Prometric for the Maryland Insurance Administration.
Step 2 — Apply for the Maryland license. File the license application with the Administration; the state’s published licensing schedule lists the Public Adjuster license fee at $50.
Step 3 — Contract and practise inside Maryland regulation. The regulation block that dominates the examination — licensing, contract, and conduct rules — is the framework the licensee then works under with Maryland insureds.
Why Maryland’s version of this license is its own
No two states in this family run the same license, and Maryland’s differences are not cosmetic. The regulator is the Maryland Insurance Administration (MIA); the vendor is Prometric; the paper is 50 scored questions in 90 minutes; and the sequence around the sitting — pass the prometric examination first, in the order the steps section sets out — belongs to Maryland alone. A candidate arriving with another state’s public adjuster license, or with preparation bought for another state’s examination, keeps the general insurance knowledge and starts again on everything the outline weights as Maryland material. That is not a defect in the system; it is the system working as designed, because the claims this license will adjust arise under Maryland policies, Maryland deadlines, and Maryland conduct rules from the first day of practice.
What makes this license demanding?
Importing another state’s vendor habits. Importing another state’s vendor habits — Maryland tests through Prometric, not PSI or Pearson VUE, with its own scheduling and identification rules.
Underweighting regulation because other states weight coverage first; Maryland’s published split does the opposite.. Underweighting regulation because other states weight coverage first; Maryland’s published split does the opposite.
Treating the license fee and the examination fee as one charge. Treating the license fee and the examination fee as one charge: the $62 examination fee is Prometric’s; the state’s license fee is separate.
The pattern across those pitfalls is the same one this family shows everywhere: the examination and the sequence around it are state-specific in ways a generic adjuster preparation cannot see. The candidate who treats Maryland’s license as a national license with a state label meets the difference on examination day, or at the application window, rather than in preparation where it can still be repaired.
An honest note on format
PassProfessor practice works in the format this examination uses — multiple-choice items in the examination’s style, organised by its outline and weighted as the outline weights them. The Maryland Insurance Administration and Prometric do not release actual examination items, and no provider can offer them. Practice results are a study gauge, not a prediction of a licensing outcome, and no outcome is promised or implied anywhere in this program.
How should you use this page while the program is in the works?
- Join the notify list today. Enrollment is not open yet, and the notify list is how you hear the moment it is. While you wait, read the exam guide — it walks the examination, the outline area by area, the licensing sequence, and a preparation plan in full.
- Confirm this is your license before anything else. If the work you intend is insurer-side adjusting, this is the wrong license and the wrong examination; Maryland’s Public Adjuster license serves the policyholder’s side only.
- Start the sequence in its real order. In Maryland, the first licensing step is: pass the prometric examination. Preparation that ignores the sequence can leave a passed candidate waiting on paperwork while a result’s validity window runs.
- Study the state material at its outline weight. The Maryland law and regulation material in the outline table above is scored like everything else on the paper — and it is the material least likely to be covered by any preparation you already own.
Frequently asked questions
What is the Maryland Public Adjuster license? It is Maryland’s license for an adjuster who represents the policyholder in a property insurance claim — investigating and documenting the loss, valuing it, and negotiating the settlement with the insurer on the insured’s behalf. It is issued by the Maryland Insurance Administration (MIA). It is not an insurer-side adjuster license, and this program does not prepare candidates for any independent or company adjuster examination.
Who hires a public adjuster — the insurer or the policyholder? The policyholder. That single fact drives the whole licensing regime: because the public adjuster contracts directly with the insured and is paid from the claim, Maryland regulates the license, the contract, and the conduct around both. Company and independent adjusters, who work for insurers, sit under different licenses and different examinations.
What examination must I pass for this license? The Maryland Public Adjuster examination, delivered by Prometric: 50 scored questions in 90 minutes.
What score passes the Maryland examination? The passing standard for this examination is 70 percent, as published for the Prometric Maryland public adjuster examination.
What does the examination cost? $62 per attempt (third-party examination fee, paid to Prometric when the examination is scheduled) Examination and license fees are third-party fees paid to the vendor and the state — they are not PassProfessor charges, and no PassProfessor price appears on this page.
What does the examination cover? The published outline areas are: Insurance Regulation; Insurance Basics; Adjusting Losses; Policy coverages — dwelling, homeowners, commercial, and related forms. The companion guide walks each area in full.
What is the most common licensing mistake in Maryland? Importing another state’s vendor habits — Maryland tests through Prometric, not PSI or Pearson VUE, with its own scheduling and identification rules.
What must happen besides passing the examination? The Public Adjuster examination: 50 scored questions in 90 minutes, $62, administered by Prometric for the Maryland Insurance Administration. The full sequence for this license is set out in the licensing-steps section above and in the companion guide.
When will the PassProfessor Maryland program open? The program is in the works and enrollment is not open yet. Join the notify list on this page and you will be emailed when enrollment opens; the companion exam guide is available to read now for planning your preparation.
Is PassProfessor affiliated with the Maryland Insurance Administration or with Prometric? No. PassProfessor is an independent preparation provider, not affiliated with the Maryland Insurance Administration (MIA), Prometric, or any state insurance department. The regulator issues the license and the vendor delivers the examination; this program is preparation only and confers no license, credit, or eligibility.