ID Public Adjuster study plan
ID Public Adjuster · Give each week a clear focus.
8 weeks · About 6 hours per week
Idaho insurance laws, rules, and licensing requirements
Map the Idaho public adjuster licensing pathway end to end: application, fingerprinting, exam, bond or insurance requirement, and renewal cycle
List every Idaho statute and administrative rule cited in the licensing chapter and note the section number next to each concept
Define public adjuster versus company adjuster versus independent adjuster in Idaho terms and write a one-paragraph comparison
Build a 30-term flashcard deck covering licensing vocabulary (licensee, resident, nonresident, appointment, continuing education)
Your checkpoint
A one-page Idaho licensing flowchart plus a 30-card flashcard deck, self-quizzed to 90 percent accuracy
Idaho insurance laws, rules, and licensing requirements
Summarize Idaho producer and adjuster conduct rules, including grounds for license denial, suspension, and revocation
Explain Idaho continuing education hour requirements and the reporting deadline in your own words
Describe Idaho-specific penalties, fines, and hearing rights that follow a licensing violation
Differentiate acts that require a license from clerical or administrative tasks that do not
Your checkpoint
A two-column table of prohibited acts versus permitted activities, with the Idaho citation for each row
Insurance principles and policy basics
Define the core doctrines of indemnity, insurable interest, utmost good faith, adhesion, and aleatory contract and give a property example of each
Diagram the anatomy of a policy: declarations, insuring agreement, conditions, exclusions, and endorsements
Explain how coinsurance, deductibles, and limits interact in a property loss calculation
Distinguish replacement cost from actual cash value and compute a small depreciation example
Your checkpoint
A labeled policy-anatomy diagram plus three worked loss calculations with correct answers
Insurance principles and policy basics & Property and casualty coverage and claims
Compare named-peril and open-peril (special) forms and identify which losses each covers
Explain the duties after loss that a policy imposes on the insured and the consequences of breaching them
Describe the appraisal and arbitration provisions and when each is invoked
Walk through the claims handling timeline from first notice of loss to settlement
Your checkpoint
A claims timeline poster with at least eight stages and the policy condition that triggers each stage
Property and casualty coverage and claims
Break down homeowners coverage parts (dwelling, other structures, personal property, loss of use, liability) and their typical limits
Explain co-insurance penalties, ordinance-or-law coverage, and water and mold exclusions with concrete examples
Summarize commercial property concepts: business income, extra expense, and blanket versus specific limits
Identify common liability coverages a public adjuster encounters, including premises and personal liability
Your checkpoint
A coverage comparison matrix for homeowners, dwelling fire, and commercial property forms with at least 12 coverage lines
Property and casualty coverage and claims & Public adjuster practices, ethics, and consumer protection
Describe the public adjuster contract requirements in Idaho: written agreement, compensation terms, and cancellation rights
Explain the ethical duties owed to the insured, including no conflicts of interest and no fee splitting with contractors
Outline how a public adjuster documents a claim: inventory, photographs, estimates, and proof of loss
Identify unfair claim settlement practices and how they apply to adjuster conduct
Your checkpoint
A model client engagement checklist covering disclosure, contract, documentation, and settlement steps
Public adjuster practices, ethics, and consumer protection
Explain Idaho consumer protection rules that govern advertising, solicitation, and misrepresentation by adjusters
Describe recordkeeping and trust-account obligations for funds handled on behalf of insureds
Analyze three ethical dilemma scenarios and state the compliant action with reasoning
Summarize complaint, investigation, and disciplinary procedures and the adjuster's rights during them
Your checkpoint
Three written scenario analyses of at least 250 words each, each ending with a cited rule and recommended action
Idaho insurance laws, rules, and licensing requirements & Insurance principles and policy basics & Property and casualty coverage and claims & Public adjuster practices, ethics, and consumer protection
Take two full-length timed practice exams and score each by domain to find weak areas
Re-review only the two lowest-scoring domains using your flashcards and notes
Recite the Idaho licensing and conduct rules from memory without notes
Write a one-page exam-day strategy covering question triage and time per item
Your checkpoint
Two scored practice exams with a written remediation log showing improvement in your weakest domain
Milestones
Week 2: Score at least 85 percent on a self-made 20-question quiz covering only Idaho licensing and conduct rules
Week 4: Explain the full claims timeline aloud in under five minutes without notes, naming the triggering policy condition at each stage
Week 6: Produce a complete sample claim file for a hypothetical loss, including contract, inventory, and settlement summary
Week 8: Score at least 80 percent on both timed practice exams and at least 85 percent in every domain on the second attempt