GA Public Adjuster study plan

Map the Georgia public adjuster licensing pathway end to end: application, fingerprinting and background check, exam, fee, and license issuance, writing each step in your own words.

Identify the statutory and rule sources that govern public adjusters in Georgia (Title 33 insurance code provisions, Commissioner rules, and the NAIC model framework) and note which source controls when they conflict.

List the license maintenance obligations a Georgia public adjuster must satisfy, including renewal cycle, continuing education hours, and reporting of address or name changes.

Distinguish a public adjuster from a company or independent adjuster, an attorney, and a contractor, using at least three concrete activities that only a licensed public adjuster may perform for compensation.

Explain the contract requirements for a public adjuster engagement in Georgia: written agreement, compensation disclosure, signing timing relative to loss, and the insured's right to rescind.

Describe the prohibited compensation arrangements and solicitation practices that trigger disciplinary action, and match each to the likely penalty range.

Outline the enforcement process from complaint through investigation, administrative hearing, and appeal, naming the roles of the Commissioner and the Office of Commissioner of Insurance and Safety Fire.

Draft a compliant client-intake script that avoids prohibited solicitation while still explaining your services clearly.

Define the core risk-transfer concepts (indemnity, insurable interest, utmost good faith, adhesion, aleatory contract) and apply each to a homeowner claim scenario.

Differentiate the major property coverage forms and endorsement families well enough to state what perils are open versus named and how that changes claim strategy.

Trace the property policy structure in order: declarations, insuring agreement, exclusions, conditions, and endorsements, and explain how each section can create or defeat coverage.

Calculate a simple coinsurance and deductible scenario to show how underinsurance reduces recovery.

Analyze the standard exclusions and conditions that most often drive disputes (neglect, faulty workmanship, ordinance or law, vacancy, proof of loss, suit limitation) and state the adjuster's counterargument for each.

Explain Georgia-specific consumer protections that bear on coverage disputes, including unfair claims settlement practice standards and timeframes for acknowledging and acting on a claim.

Apply the duty of good faith and fair dealing and describe how a bad-faith exposure arises from an insurer's handling versus from the public adjuster's own conduct.

Distinguish replacement cost from actual cash value and show the depreciation math on a damaged roof and contents.

Sequence the claim lifecycle from first notice of loss through settlement and closing, listing the document produced at each stage.

Prepare and critique a sworn proof of loss and a contents inventory schedule, checking for the elements an insurer will use to reject them.

Demonstrate damage documentation technique: photo standards, measurement sketches, moisture readings, and how to build a scope that survives carrier review.

Explain the appraisal and alternative dispute resolution options available when the parties agree on coverage but disagree on amount.

Build a line-item repair estimate using standard unit-cost methodology and defend each quantity against a carrier's revision.

Negotiate a disputed settlement by preparing a written position letter that separates coverage arguments from valuation arguments.

Identify the signs of a potentially fraudulent claim and describe the public adjuster's reporting duty and the consequences of participating in a misrepresentation.

Explain how to handle a claim involving a mortgagee, an additional insured, or a public entity, and who is entitled to payment.

Apply the fiduciary and recordkeeping duties a public adjuster owes clients, including handling of claim funds and prohibition on conflicts of interest.

Identify the advertising and representation rules that constrain how a public adjuster may market services, and rewrite three noncompliant ad samples.

Describe the disciplinary record, hearing rights, and license suspension or revocation consequences for the violations most frequently prosecuted in Georgia.

Explain how the public adjuster's conduct rules interact with the Georgia consumer protection statute when a client alleges mishandling.

Consolidate all four domains into a single review sheet organized by exam domain weighting, spending the most time on the heaviest areas.

Complete two full-length timed practice exams and log every missed item by domain and by error type (knowledge gap, misread, or calculation).

Re-drill your 20 weakest items until you can explain each answer aloud without notes.

Simulate exam-day logistics: verify your test appointment, identification requirements, and permitted materials, and rehearse a pacing plan.