MS Public Adjuster study plan
MS Public Adjuster · Give each week a clear focus.
8 weeks · About 7 hours per week
Adjuster Licensing and Regulation & Insurance Principles and Policy Basics
Map every Mississippi adjuster license pathway (resident, nonresident, emergency, public adjuster) and list the exam, fee, CE, and appointment steps for each
Create a one-page timeline of pre-licensing, application, fingerprinting, and continuing-education deadlines
Define the six core insurance concepts (risk transfer, indemnity, insurable interest, utmost good faith, adhesion, aleatory) in your own words with one example each
Build a 25-term glossary covering licensing and general insurance principles, flagging any term you cannot define from memory
Your checkpoint
A one-page licensing roadmap plus a 25-term glossary, self-scored at 80% or better
Insurance Principles and Policy Basics & Adjuster Licensing and Regulation
Diagram the structure of a homeowners and dwelling policy: declarations, insuring agreement, conditions, exclusions, and endorsements
Explain coinsurance, deductibles, loss valuation methods (ACV, replacement cost, functional replacement), and how each changes a settlement figure
Summarize the duties and prohibited acts that trigger license discipline, including rebating, commingling, and misrepresentation
Work five calculation drills converting ACV to replacement cost and applying coinsurance penalties
Your checkpoint
A completed policy-structure diagram plus five worked valuation problems with correct answers shown
Property Insurance Coverage and Claims
Break down Coverage A through D limits and identify what triggers each coverage
List the standard property exclusions and the endorsements that restore or modify them
Apply the appraisal, pair-or-set, and ordinance-or-law provisions to two written claim scenarios
Draft a coverage-analysis checklist you can run on any first-party property loss
Your checkpoint
A coverage-analysis checklist tested against two written loss scenarios with written conclusions
Property Insurance Coverage and Claims
Compute a full dwelling loss settlement including deductible, depreciation, and recoverable depreciation holdback
Explain business income, extra expense, and civil authority coverage and when each applies
Identify common fraud indicators in property claims and the documentation that defeats or supports a claim
Complete a timed 40-question property coverage set without notes
Your checkpoint
A scored 40-question property practice set at 75% or higher, with every miss rewritten as a corrected rule
Casualty Insurance Coverage and Claims
Compare occurrence, claims-made, and claims-made-and-reported triggers and state which policy responds in three dated scenarios
Outline commercial general liability Coverage A, B, and C and explain the insuring agreement for each
Explain comparative and contributory negligence, joint and several liability, and how each affects claim value
Trace an auto liability claim from notice through subrogation, naming each coverage part involved
Your checkpoint
A one-page liability trigger comparison table plus three scenario answers with reasoning
Casualty Insurance Coverage and Claims & Claims Handling Practices and Ethics
Classify workers compensation benefits (medical, indemnity, death) and describe the exclusive-remedy rule
Summarize the adjuster's duty of good faith, fair dealing, and prompt-payment obligations and the conduct that constitutes bad faith
Apply the claim-handling sequence: acknowledge, investigate, evaluate, negotiate, document, and close
Identify conflicts of interest and ethical traps a public adjuster faces when representing an insured against a carrier
Your checkpoint
A written ethical decision framework applied to three bad-faith or conflict scenarios, each with a justified recommendation
Claims Handling Practices and Ethics & Property Insurance Coverage and Claims
Draft a claim file documentation standard listing the records required at each stage of a property claim
Explain the public adjuster's contract requirements, fee rules, and disclosure duties
Practice negotiating a disputed property settlement and justify each concession in writing
Review your logged misses from weeks 1 through 6 and rewrite the ten weakest as corrected rules
Your checkpoint
A claim documentation standard plus a rewritten list of your ten weakest rules, each verified correct
Adjuster Licensing and Regulation & Insurance Principles and Policy Basics & Property Insurance Coverage and Claims & Casualty Insurance Coverage and Claims & Claims Handling Practices and Ethics
Complete two full-length timed practice exams under test conditions and record domain-level scores
Re-drill every missed question until each domain scores 80% or higher
Recite from memory the licensing steps, CE requirements, and prohibited acts without reference
Confirm exam-day logistics: testing location or remote setup, identification, and permitted materials
Your checkpoint
Two completed timed practice exams with a domain score sheet showing all five domains at 80% or higher
Milestones
Week 2: Explain policy structure and valuation methods aloud in under five minutes without notes, and score 80% on the week 1 glossary
Week 4: Score 75% or higher on a timed 40-question property coverage set and correctly solve all five settlement calculations
Week 6: Correctly classify liability triggers in three dated scenarios and defend an ethical recommendation in writing for each of three scenarios
Week 8: Score 80% or higher in every domain on two full-length timed practice exams and recite licensing requirements from memory