MD Public Adjuster

It lets you represent policyholders - not insurers - when a first-party property or casualty claim is prepared, presented, negotiated or settled. In practice that means inspecting damage, building estimates and advising the insured on the claim, all subject to Maryland's public adjuster rules and contract requirements. Licensing and oversight sit with the Maryland Insurance Administration.

Five areas of roughly equal weight: insurance principles and concepts; property policy coverages and provisions; casualty policy coverages and provisions; claims handling, investigation and loss valuation; and Maryland insurance law, public adjuster regulation and ethics. Expect policy-form language, valuation methods such as replacement cost and actual cash value, and state-specific contract and conduct rules.

The Maryland Insurance Administration's public materials do not state an item count, time limit or passing score for this examination, so treat any specific figure you see elsewhere as unverified. Confirm the current blueprint with the MIA's Producer Licensing unit at 410-468-2411 before you schedule a sitting.

Fees and scheduling steps are not published in the MIA material summarized here, so verify both directly with the agency. The MIA website does list a Registration/Fee Payment Portal among its online services, and Producer Licensing is reachable at 410-468-2411. Those are the correct starting points rather than third-party prep sites.

The MIA does not publish a retake interval in the material available here, and retake rules do change. Ask Producer Licensing at 410-468-2411 or check insurance.maryland.gov for the current policy before assuming a waiting period or a cap on attempts. Do not rely on secondhand claims about how many tries are allowed.

Start with property and casualty policy language, because valuation and claims questions assume you can read a form. Then move to claims handling and valuation math, and finish with Maryland law and ethics, where state-specific detail decides borderline answers. Reserve the final week for mixed practice questions across all five areas instead of re-reading notes.

Valuation terminology - blending replacement cost, actual cash value and depreciation - plus deductibles and coinsurance applied to partial losses. A second frequent failure is answering from general adjusting habit instead of Maryland-specific rules on contracts, compensation and prohibited conduct. Read each stem for who is asking and which policy applies before choosing.

The MIA lists a Public Adjuster Contract Submission Form among its online services and Quick Links, which reflects that insured-adjuster contracts are reviewed by the regulator. Download the current version from insurance.maryland.gov rather than using an older copy, and keep a signed copy for your own records.

The MIA is at 200 St. Paul Place, Suite 2700, Baltimore, MD 21202. Main numbers are 410-468-2000 and 1-800-492-6116 (toll free), with TTY at 1-800-735-2258. Producer Licensing, which handles adjuster licensing questions, is at 410-468-2411.

No. This is independent study material and is not produced, endorsed or reviewed by the Maryland Insurance Administration. Always confirm licensing requirements, fees and exam logistics against insurance.maryland.gov, and treat the MIA's own forms, bulletins and notices as controlling authority whenever anything here appears to conflict with them.