MT Claims Adjuster case studies
MT Claims Adjuster · Put your knowledge to work in context.
The Montana adjuster license is the credential the Montana Commissioner of Securities and Insurance (CSI) requires before you may investigate, evaluate, and settle claims in the state. It is administered through the CSI's Producer, Adjuster & Consultant Licensing program, with applications submitted online through the National Insurance Producer Registry (NIPR) and licensure tests delivered by Pearson VUE. The credential suits claims trainees, staff adjusters, independent adjusters, and public adjusters entering or moving into Montana claims work. The licensing exam samples three areas: Montana insurance statutes and administrative rules, including recent legislative changes; ethics; and property and casualty adjusting topics such as coverage analysis, investigation, valuation, and settlement practice. The MT Claims Adjuster case studies are 5 cases and about 2,660 words.
1Hail Claim Delay and the Montana Unfair Claims Statute
On June 3, a Billings homeowner reports hail damage to a roof, siding, and skylight. The policy is an HO-3 with 250,000 dwelling coverage, a 1,000 deductible, and replacement cost.
549 words, about 3 min2Lapsed Adjuster License and Unlicensed Claim Handling
A Montana independent adjusting firm contracts with a regional third-party administrator. In February, the firm's only licensed Montana adjuster, Ms.
503 words, about 3 min3Undisclosed Ownership Interest in a Restoration Vendor
An adjuster in Helena handles a large fire loss for a restaurant. The adjuster is a 20% owner of a restoration company, Rapid Dry, that is not on the insurer's preferred vendor list.
534 words, about 3 min4Burst Pipe, Mold Sublimit, and Business Income
A Bozeman bakery has a businessowners policy: building 600,000, business income 200,000 with a 72-hour waiting period, extra expense 25,000, mold sublimit 10,000, and a 5,000 deductible. On Friday, February 2, a supply line to a proofing cabinet bursts overnight.
525 words, about 3 min5Time-Limited Policy Limits Demand with Multiple Claimants
On March 15, a Great Falls driver runs a red light and strikes a pickup. The at-fault driver has a Montana auto policy with limits of 25/50/25: 25,000 per person, 50,000 per accident for bodily injury, and 25,000 property damage, with no umbrella.
549 words, about 3 min