AZ Public Adjuster study guide
AZ Public Adjuster · Work through your exam, one topic at a time.
The Arizona Public Adjuster License Exam is the multiple-choice licensing assessment for people who want to represent policyholders - rather than insurers - when negotiating property and casualty claims in Arizona. Candidates are typically claim professionals, contractors, or independent advocates moving into public adjusting, and they should confirm current licensing requirements directly with the Arizona Department of Insurance and Financial Institutions (DIFI), which regulates insurance professionals in the state and publishes licensing resources and forms. The AZ Public Adjuster study guide has 9 sections and about 2,133 words.
01Arizona Insurance Law and Regulations
Arizona insurance law is codified primarily in Title 20 of the Arizona Revised Statutes, with rules issued by the Arizona Department of Insurance and Financial Institutions (DIFI). The Director oversees licensing, market conduct, rate filing, and consumer complaints.
286 words, about 1 min02Insurance Principles and Concepts
Insurance transfers risk from an individual to a pool in exchange for premium. Candidates must understand insurable interest, indemnity, utmost good faith, subrogation, and proximate cause.
224 words, about 1 min03Property and Casualty Insurance Basics
Property insurance covers damage to or loss of tangible property. Casualty (liability) insurance covers legal liability for injury or damage to others.
224 words, about 1 min04Types of Property Insurance Policies
Candidates must distinguish dwelling policies, homeowners policies, commercial property forms, and specialty coverages such as flood and earthquake. Dwelling policies (DP-1, DP-2, DP-3) cover owner-occupied or rented dwellings and do not include liability unless endorsed.
238 words, about 1 min05Policy Provisions, Options, and Exclusions
Policies contain declarations, insuring agreements, conditions, and exclusions. Candidates must know the duties after loss: prompt notice, proof of loss, cooperation, and mitigation.
227 words, about 1 min06Dwelling Policy
The dwelling policy covers residential property that is not eligible for a homeowners policy, such as rental dwellings or homes under construction. Forms include DP-1 (basic), DP-2 (broad), and DP-3 (special).
263 words, about 1 min07Homeowners Policy
Homeowners forms include HO-2, HO-3, HO-5, HO-6 (condo), and HO-8 (older homes). Coverage A is the dwelling, B other structures, C personal property, D loss of use, E personal liability, and F medical payments.
218 words, about 1 min08Commercial Property Insurance
The commercial property policy covers business real property, personal property, and business income. Key forms include the Building and Personal Property Coverage Form (BPP), the Causes of Loss forms (basic, broad, special), and the Business Income form.
227 words, about 1 min09Public Adjusting Practices and Ethics
A public adjuster represents the insured, not the insurer, and is compensated by the insured, usually through a percentage of the settlement. Candidates must understand the licensing requirements, the written contract requirements, and the prohibition on soliciting during a declared emergency.
226 words, about 1 min