AMF Claims Adjuster (Quebec) study plan
AMF Claims Adjuster (Quebec) · Give each week a clear focus.
8 weeks · About 7 hours per week
Claims adjustment fundamentals and the adjuster's role & Insurance law and the Civil Code of Québec framework
Map the adjuster's core duties (investigation, coverage analysis, quantification, negotiation, reporting) onto a one-page workflow diagram you can redraw from memory
Distinguish the adjuster's role from that of the broker, underwriter, and expert appraiser by writing a short comparison table
Identify the sources of Quebec insurance law (Civil Code of Québec, Insurers Act, policy wording, case law) and note which source governs which type of question
Explain in writing the duty of good faith and how it shapes the adjuster's conduct toward the insured and the insurer
Your checkpoint
A one-page adjuster workflow diagram plus a 300-word written summary of the legal sources hierarchy
Insurance law and the Civil Code of Québec framework
Outline the formation, content, and interpretation rules of an insurance contract under the Civil Code of Québec, citing the relevant article numbers
Explain the rules on insurable interest, representations and declarations by the insured, and the consequences of misrepresentation
Describe the rules on premium payment, policy renewal, and termination, and how each affects a claim
Summarize the obligations of the insured after a loss (notice, cooperation, proof) and the insurer's corresponding obligations
Your checkpoint
A two-page article-referenced outline of contract formation, interpretation, and post-loss obligations
Insurance law and the Civil Code of Québec framework & Property (damage) insurance coverage and claims handling
Analyze the doctrine of proximate cause and apply it to at least three hypothetical loss scenarios
Distinguish indemnity, subrogation, and the insurer's rights against third parties, and explain how each affects claim settlement
Identify common property exclusions and conditions, and write a short rationale for each exclusion you list
Practice reading a sample policy wording to locate the insuring agreement, exclusions, and conditions in under ten minutes
Your checkpoint
Three written cause-and-coverage analyses of hypothetical losses, each with a conclusion and reasoning
Property (damage) insurance coverage and claims handling
Classify property losses by peril type (fire, water damage, theft, wind) and note the typical proof required for each
Explain replacement cost versus actual cash value and compute both for a worked example
Describe the claims process for property damage from first notice to settlement, including inspection and documentation
Identify red flags of fraud or exaggeration in property claims and outline the adjuster's response
Your checkpoint
A completed property claim file exercise with a documented damage estimate and settlement recommendation
Liability insurance coverage and claims handling
Distinguish the three main bases of civil liability (contractual, extracontractual, and strict liability) and identify which applies to common claim scenarios
Explain the elements of liability (fault, damage, causation) and apply them to at least two hypotheticals
Describe the role of liability insurance in defending and indemnifying the insured, including the duty to defend
Outline how liability claims differ in investigation from property claims, focusing on statements, witnesses, and third-party involvement
Your checkpoint
Two written liability claim analyses applying the fault-damage-causation test
Liability insurance coverage and claims handling & Property (damage) insurance coverage and claims handling
Analyze coverage triggers, occurrence definitions, and exclusions in liability policies and apply them to case scenarios
Explain how subrogation and third-party recovery work in a settled liability claim
Compare how the same loss event could generate both a property claim and a liability claim, and describe the separate handling of each
Draft a sample reservation-of-rights letter and a coverage denial letter with proper reasoning
Your checkpoint
A portfolio of two drafted letters (reservation of rights and denial) with a coverage rationale for each
Claims adjustment fundamentals and the adjuster's role & Insurance law and the Civil Code of Québec framework & Property (damage) insurance coverage and claims handling & Liability insurance coverage and claims handling
Review your notes across all four domains and build a condensed one-page summary per domain
Complete at least 60 practice questions across all domains and log your accuracy by domain
Identify your three weakest sub-topics and write a targeted remediation plan for each
Practice explaining a coverage decision aloud in under two minutes, as you would to a client or supervisor
Your checkpoint
A domain-by-domain accuracy log with a written remediation plan for your three weakest areas
Claims adjustment fundamentals and the adjuster's role & Insurance law and the Civil Code of Québec framework & Property (damage) insurance coverage and claims handling & Liability insurance coverage and claims handling
Take two full-length timed practice exams and record your scores and timing per domain
Review every missed question and write the correct rule or article in your own words
Revisit your one-page summaries and confirm each key rule is memorized
Simulate a full claim file from intake to settlement recommendation, integrating all four domains
Your checkpoint
Two timed practice exam score reports plus a final integrated claim file simulation with settlement recommendation
Milestones
Week 2: You can state the Civil Code rules on contract formation, interpretation, and post-loss obligations without notes, citing article numbers for at least five rules
Week 4: You score at least 70% on a 25-question set drawn only from property coverage and claims handling
Week 6: You score at least 70% on a 25-question set drawn only from liability coverage and claims handling, and your two drafted letters contain the correct coverage reasoning
Week 8: You score at least 75% overall on two timed practice exams, with no single domain below 65%