HI Public Adjuster study plan

Map the four exam domains to their weightings and rank your current confidence in each on a 1-5 scale

Define indemnity, insurable interest, utmost good faith, and subrogation, and state how each shapes what an adjuster may pay

Distinguish named-peril from open-peril (all-risk) coverage and list three exclusions common to Hawaii homeowners forms

Identify the declarations, insuring agreement, conditions, and exclusions sections of a sample policy and label each in your own words

Trace how a loss must satisfy coverage, limit, deductible, and valuation method before payment is calculated

Compare actual cash value and replacement cost value and compute both for a 10-year-old roof and a 5-year-old appliance

Explain coinsurance, loss-of-use, and ordinance-or-law coverage and when each changes a settlement figure

List the duties an insured owes after a loss and the consequence of failing each duty

Sequence the claim lifecycle from first notice of loss through final payment and identify who acts at each step

Differentiate the roles of public adjuster, company adjuster, independent adjuster, and examiner

Draft the questions you would ask in an initial recorded interview to establish date, cause, and scope of loss

Explain how burden of proof and the policy's proof-of-loss requirement affect the claim file

Select the measurement method (nail-to-nail, ITEL/price list, moisture readings) appropriate to water, wind, fire, and hail damage

Build a room-by-room contents inventory template that captures age, condition, quantity, and replacement source

Calculate depreciation schedules and explain how condition and useful life affect ACV

Describe how to document business interruption or loss-of-use with income records and a period-of-restoration timeline

Explain the written-contract requirement for public adjusters and list the mandatory contract terms

Compute a public adjuster fee on a sliding or percentage basis and identify what compensation is prohibited

Outline the sequence for filing a claim on behalf of an insured, including the letter of representation and insurer acknowledgment

Describe how to handle a disputed settlement, including appraisal, and the adjuster's role in each path

List the licensing, bonding, and continuing-education obligations a Hawaii public adjuster must maintain

Identify prohibited acts such as soliciting during a disaster declaration period or misrepresenting insurer authority

Explain fiduciary duties for claim funds and the recordkeeping a public adjuster must keep

Apply the Hawaii insurance code's unfair-claim-settlement-practice provisions to three short fact patterns

Summarize Hawaii-specific consumer protections and the complaint and disciplinary process

Distinguish ethical from legal obligations in three gray-area scenarios involving contingency fees and referral payments

Review the state's continuing-education and license-renewal calendar and note deadlines on a personal timeline

Practice 40 mixed-domain questions under timed conditions and log every missed concept

Re-drill the weakest concepts from your error log until each is answered correctly twice in a row

Complete two full-length timed practice exams and compare domain scores to the exam weightings

Recite the key formulas (ACV, coinsurance, fee calculation) and contract elements from memory without notes

Finalize a one-page exam-day reference sheet limited to rules you have repeatedly missed