CT Public Adjuster study guide
CT Public Adjuster · Work through your exam, one topic at a time.
The Connecticut Public Adjuster License Examination is the multiple-choice test that Connecticut uses to assess people who want to work as public adjusters - professionals who represent policyholders, rather than insurers, when a property claim is filed. The credential is aimed at candidates who intend to negotiate, prepare, and document first-party property claims on behalf of insureds, and who need to demonstrate command of both insurance fundamentals and state-specific rules before licensure. The CT Public Adjuster study guide has 5 sections and about 2,400 words.
01Insurance Principles and Concepts
This domain tests the doctrines that decide whether a loss is covered and how much is payable: insurable interest, indemnity, utmost good faith, proximate cause, risk pooling, subrogation, and valuation. Expect definitional questions and short calculations.
492 words, about 2 min02Property and Casualty Insurance Basics
This domain tests how policies are built and how the major property and liability lines respond. Expect questions on policy structure, coverage grants, exclusions, limits, deductibles, coinsurance, and the difference between first-party property and third-party liability coverage.
432 words, about 2 min03Adjusting Practices and Claims Handling
This domain tests the claim lifecycle: acknowledging the loss, investigating coverage and damages, documenting the file, communicating with the insured, and resolving the claim. Questions often present a fact pattern and ask what the adjuster should do next or which payment is correct.
491 words, about 2 min04Connecticut Insurance Law and Regulations
This domain tests Connecticut-specific licensing and market-conduct rules. The Connecticut Insurance Department (CID) licenses public adjusters under Conn.
493 words, about 2 min05Ethics and Professional Responsibilities
This domain tests how a public adjuster applies fiduciary, honesty, and competence duties in real claim situations. Questions often ask what is ethically required when a fee, contractor, family member, or settlement pressure creates a conflict.
492 words, about 2 min