AZ Public Adjuster study plan

Map the Arizona Department of Insurance and Financial Institutions licensing framework, including producer and public adjuster licensing, renewal, and continuing education requirements.

Summarize Arizona statutes and rules governing claim handling timelines, unfair claim settlement practices, and the adjuster's duty of good faith.

Define the core insurance principles of indemnity, insurable interest, utmost good faith, subrogation, and proximate cause, and give one property-claim example of each.

Distinguish the roles of public adjuster, company adjuster, and independent adjuster under Arizona law, including contract and compensation rules.

Outline the ethical standards and prohibited acts that apply to Arizona public adjusters, including solicitation, fee limits, and contract cancellation rights.

Draft a compliant client engagement checklist covering disclosure, written contract, fee terms, and the client's right to rescind.

Explain how the adjuster represents the insured only and how conflicts of interest, referrals, and contractor relationships must be handled.

Identify recordkeeping and documentation standards that support a defensible claim file.

Explain how indemnity, coinsurance, deductibles, and policy limits interact to determine a property loss payment.

Compare the structure and typical coverages of dwelling, homeowners, commercial property, and inland marine forms.

Differentiate named-peril from open-peril (risk of direct physical loss) coverage and explain how burden of proof shifts.

Describe the standard property policy building blocks: declarations, insuring agreement, conditions, and exclusions.

Interpret the duties-after-loss conditions, including prompt notice, proof of loss, cooperation, and appraisal.

Explain how deductibles, coinsurance clauses, and loss settlement provisions change the amount payable in worked examples.

Identify common exclusions such as ordinance or law, earth movement, flood, neglect, and intentional loss, and state the rationale for each.

Analyze endorsement mechanics and how endorsements modify base policy terms.

Compare dwelling policy forms DP-1, DP-2, and DP-3 by perils covered, loss settlement, and eligible occupancy.

Break down homeowners forms HO-3 and HO-5 coverage parts, including Coverage A through D limits and additional coverages.

Calculate a dwelling or homeowners loss payment using replacement cost, actual cash value, and the 80 percent replacement cost condition.

Explain how endorsements and special limits affect personal property and loss of use claims.

Interpret commercial property coverage triggers, including the causes-of-loss special form and the role of the coinsurance percentage.

Compute commercial property loss payments using coinsurance, agreed value, and blanket versus specific limits.

Explain business income and extra expense coverage, including the period of restoration and the 72-hour waiting period.

Identify commercial endorsements that commonly affect claims, such as equipment breakdown and ordinance or law coverage.

Build a step-by-step claim workflow from first contact through settlement, including documentation, negotiation, and dispute escalation.

Practice negotiating a disputed scope of loss and articulate the standards for presenting a supplement or reopening a claim.

Review Arizona public adjuster fee, contract, and advertising rules and apply them to three short fact patterns.

Identify red flags for fraud, arson, and inflated claims and describe the adjuster's reporting obligations.

Complete two full-length timed practice exams and log every missed question by domain.

Re-drill weak areas until each domain reaches at least 80 percent accuracy on practice questions.

Recite from memory the Arizona licensing, fee, and claim-handling requirements most likely to be tested.

Assemble a final one-page review sheet of formulas for coinsurance, ACV, and replacement cost.