Iran Loss Adjuster Exam study plan

Distinguish indemnity, insurable interest, utmost good faith, proximate cause, and subrogation, and state for each how it constrains what an adjuster may pay.

Classify pure versus speculative risk and explain why only pure risk is insurable, using three Iranian market examples such as fire, motor third-party liability, and engineering all-risks.

Map the adjuster's duties of independence, confidentiality, conflict-of-interest disclosure, and impartial reporting onto the sequential stages of a claim file.

Identify the boundary between loss adjustment and claim negotiation so you can describe when an adjuster must refer a matter upward.

Outline the hierarchy of Iranian insurance regulation from statute down to approved policy wordings and circulars, and state which body issues each level.

Explain the roles of the regulator, the central insurance authority, and the insurers' syndicate in licensing, tariff setting, and dispute handling.

Trace the statutory claim-settlement timeline and the consequences of delay, including any interest or penalty exposure, and record the exact provisions you rely on.

Describe compulsory covers required by Iranian law, particularly motor third-party liability, and how compulsory limits interact with voluntary extensions.

List the supervisory reporting obligations an insurer and its adjuster must satisfy when a large or suspicious claim arises.

Deconstruct a fire policy into insured perils, exclusions, warranties, and conditions precedent, and predict which clause governs a given loss scenario.

Apply the average (underinsurance) clause and deductible mechanics to compute indemnity in three worked examples with different sums insured.

Assess business interruption losses by separating gross profit, increased cost of working, and savings, and justify the indemnity period you select.

Evaluate stock and inventory claims using valuation bases such as cost, market value, and replacement cost, and defend the chosen basis.

Draft the evidence checklist you would request for a warehouse fire, covering cause, extent, stock records, and salvage.

Interpret the insurance contract as an adhesion contract and explain how ambiguity, misrepresentation, and non-disclosure affect claim outcomes in Iranian practice.

Distinguish conditions precedent from mere conditions and show how breach of each affects the adjuster's recommendation.

Analyze how reinstatement, salvage, and abandonment clauses change the settlement figure in a partial property loss.

Apply the doctrine of proximate cause to at least two chain-of-events scenarios where a covered and an excluded peril interact.

Resolve a coverage dispute by writing the reasoning from policy wording to conclusion without relying on market custom alone.

Separate own-damage from third-party liability handling and identify which policy, limits, and deductibles apply to each.

Compute third-party bodily injury and property damage settlements under compulsory motor limits, including treatment of diya (blood money) where applicable.

Evaluate own-damage claims by distinguishing depreciation, betterment, and pre-existing damage from covered loss.

Detect common motor fraud patterns such as staged collisions, inflated repair estimates, and duplicate claims, and state the verification step for each.

Explain how knock-for-knock and fault apportionment affect recovery between insurers.

Interpret CAR and EAR policy structures, including maintenance periods, defects exclusions, and design liability, and apply them to a construction loss.

Distinguish professional indemnity, public liability, and product liability triggers and explain the claims-made versus occurrence basis difference.

Assess a machinery breakdown or electronic equipment claim using the concepts of sudden and unforeseen damage versus wear and tear.

Evaluate a liability claim by establishing the legal duty, breach, causation, and quantum before recommending a reserve.

Identify the documentation required for engineering and liability claims, including contracts, maintenance logs, and expert reports.

Apply exclusion-period, waiting-period, pre-existing condition, and disclosure rules to life and health claim decisions.

Assess medical necessity and claim admissibility in health insurance by checking policy schedules against submitted records.

Describe the life claim verification chain, including beneficiary entitlement and death certificate authentication.

Build a fraud red-flag checklist spanning documents, timing, claimant behavior, and loss circumstances, and assign a verification action to each flag.

Plan a claim investigation, specifying witness interviews, scene examination, and expert appointment in a defensible sequence.

Assemble a complete claim file to the standard an insurer or regulator would expect, covering notification, survey, reserve, and settlement records.

Draft a professional loss adjustment report with findings, calculations, and a clear recommendation, and note where regulatory timelines bind it.

Reconcile settlement procedures against the statutory timeline and identify the escalation point when approval is delayed.

Complete a timed mixed-domain practice set and review every error against the relevant domain's source material.