MS Public Adjuster case studies
MS Public Adjuster · Put your knowledge to work in context.
The Mississippi Public Adjuster License Exam is the state licensing test a candidate must pass to be licensed as a public adjuster in Mississippi - a professional who represents policyholders (not insurers) in preparing, presenting, and negotiating property and casualty claims. The Mississippi Insurance Department oversees adjuster licensing, and the department's site states that "Pearson Vue will be administering the state insurance exams for producers, adjusters, and bail agents," so scheduling and testing-center logistics run through Pearson Vue rather than MID directly. The MS Public Adjuster case studies are 5 cases and about 2,679 words.
1Disaster-Area Solicitation and the Unlicensed Consultant
After an EF-3 tornado in a Mississippi county, Darlene, a Mississippi-licensed public adjuster, sets up a table at a church resource fair and signs homeowners to written contracts. Her contract states a 15% fee on the net recovery, omits any cancellation or rescission notice, and authorizes a restoration contractor who is not licensed as a public adjuster to negotiate scope and pricing directly with the carrier.
557 words, about 3 min2Coinsurance, Mortgagee Rights, and an ACV Advance on a Warehouse Loss
A Mississippi warehouse policy has an 80% coinsurance clause, a 10,000 deductible, and replacement cost coverage on the building. The building's replacement cost is 2,000,000, but the policy limit is 1,200,000.
505 words, about 3 min3Mold Behind the Shower Wall: Ensuing Loss, Sublimit, and Code Upgrade
A homeowners policy on a 400,000 dwelling has replacement cost coverage, a 2,500 deductible, a 10,000 mold sublimit, and ordinance-or-law coverage equal to 10% of the dwelling limit. Water damage from plumbing is covered; flood is excluded.
554 words, about 3 min4The Borrowed Pickup, Regular Use, and a Late UM Tender
A personal auto policy issued to grandfather Leo lists a 2019 pickup with liability limits of 100/300/50 and UM/UIM of 100/300. Leo's grandson, Marcus, has his own auto policy with 25/50/25 liability and 25/50 UM.
551 words, about 3 min5The Contractor's Revised Invoice and the Client's Clean-Up Request
A public adjuster, Renee, represents a restaurant owner after a kitchen fire. The carrier's estimate is 210,000.
512 words, about 3 min