CT Public Adjuster study plan

Define the core insurance concepts (risk, peril, hazard, indemnity, insurable interest, subrogation, coinsurance) and write a one-sentence definition of each in your own words

Distinguish the four types of hazards and give two Connecticut-relevant property examples of each

Map Connecticut's regulatory framework: identify the commissioner's role, the licensing statute structure, and which regulations govern adjusters versus public adjusters

Explain the difference between a public adjuster, a company or staff adjuster, and an independent adjuster, including who each one represents

Explain the structure of a property policy: declarations, insuring agreement, conditions, exclusions, and endorsements

Differentiate named-peril from open-peril (special) forms and state which losses each covers

Describe how deductibles, limits, and coinsurance clauses interact to determine a claim payment

Identify the standard dwelling (HO-3 style) and commercial property coverage parts and what each insures

Apply the principle of indemnity to explain why actual cash value and replacement cost produce different settlements

Break down the causes-of-loss forms and match common perils (fire, windstorm, water damage, theft, collapse) to their coverage treatment

Explain exclusions that recur on Connecticut claims: ordinance or law, earth movement, flood, mold, and wear-and-tear

Summarize how business income, extra expense, and additional living expense coverages are triggered and measured

Describe the role of endorsements in modifying a base form and give three examples that change a settlement

Sequence the claim lifecycle from first notice of loss through investigation, documentation, evaluation, negotiation, and settlement or denial

Draft a list of the documents and evidence you would request on a typical fire or water-damage claim

Practice measuring and documenting building damage using unit-cost and replacement-cost methods

Explain how to evaluate a proof of loss and what to do when it is incomplete or late

Identify the red flags of a fraudulent or exaggerated claim and the correct escalation path

Cite the Connecticut licensing requirements for public adjusters, including application, examination, and continuing education obligations

Explain the contract requirements between a public adjuster and an insured, including compensation limits and the insured's right to rescind

Summarize the statutory prohibitions on solicitation, fee splitting, and acting on a claim before the license is effective

Describe recordkeeping, trust-account, and reporting duties that apply to public adjusters in Connecticut

Identify the commissioner's enforcement powers and the consequences of unlicensed adjusting

Explain Connecticut unfair trade practice and claim-handling standards, including prompt-payment and communication expectations

Describe the appraisal and alternative dispute resolution options available when a claim value is disputed

Outline the insured's and insurer's duties after loss and the consequences of noncompliance by either side

Apply the claim-handling standards to two hypothetical fact patterns and identify every potential violation

Apply the fiduciary duty of a public adjuster to the insured, including conflicts of interest and disclosure obligations

Distinguish permissible advocacy from misrepresentation when negotiating a claim

Explain confidentiality and privacy expectations for claim records and personal information

Describe how to handle a suspected fraudulent claim while preserving the client relationship and legal duties

Complete at least 150 practice questions across all five domains and log your accuracy by domain

Re-study the two domains with the lowest accuracy until you can explain the missed concepts without notes

Rehearse the settlement calculations and the licensing rules from memory

Simulate a full-length timed exam under test conditions and review every incorrect answer