GA Public Adjuster study guide
GA Public Adjuster · Work through your exam, one topic at a time.
The Georgia Public Adjuster License is a state credential issued through the Office of the Commissioner of Insurance and Safety Fire (OCI). OCI describes its role plainly: it "licenses and regulates insurance companies, investigates reports of insurance fraud, and inspects buildings to prevent fire." Public adjusters fall under the OCI's Agents & Agency Licensing structure, which lists a dedicated page for "Licensed Adjusters, Public Adjusters, Counselors & Surplus Lines Brokers" alongside separate tracks for staff adjusters and emergency disaster adjusters. That placement signals the regulatory family you are joining: you are licensed as an insurance professional, searchable through OCI's License Lookup, and subject to the same consumer-complaint machinery that covers agents and insurers. The Consumer Services Division, OCI's investigative arm, states its job is "to ensure fair and equitable dealings between insurers, agents, and policyholders," and it accepts complaints about how a claim is being handled - a direct relevance for anyone who negotiates claims on behalf of policyholders. The GA Public Adjuster study guide has 4 sections and about 1,698 words.
01Licensing and Regulation of Public Adjusters
This domain tests who may act as a public adjuster in Georgia, how the license is obtained and kept, and how the Commissioner disciplines licensees. A public adjuster is a person who, for compensation, represents an insured in negotiating or settling a property claim.
394 words, about 2 min02Insurance Principles and Policy Coverage
This domain tests the principles behind property insurance and the policy provisions a public adjuster must read before negotiating. Expect questions on insurable interest, indemnity, policy structure, homeowners coverages, exclusions, deductibles, replacement cost, additional living expense, and coinsurance.
424 words, about 2 min03Claims Handling and Adjustment Practices
This domain tests the claim lifecycle: notice, investigation, coverage analysis, damage evaluation, negotiation, settlement, and documentation. It also tests the public adjuster's written contract, communication duties, appraisal, and Georgia's bad-faith rules.
434 words, about 2 min04Ethics, Consumer Protection, and Georgia Insurance Law
This domain tests the ethical duties of a Georgia public adjuster and the consumer-protection statutes enforced by the Commissioner. Expect questions on fiduciary responsibility, conflicts of interest, rebating, misrepresentation, contract disclosures, claim funds, privacy, and discipline.
446 words, about 2 min