NC Public Adjuster case studies
NC Public Adjuster · Put your knowledge to work in context.
The North Carolina public adjuster license is a state credential that lets you represent policyholders - not insurers - when they pursue first-party property and casualty claims. Candidates typically reach it by passing a licensing exam administered for the state through Pearson VUE, then applying through the North Carolina licensing office. The exam is delivered in multiple-choice format and draws on North Carolina adjuster statutes, rules, and regulations; general insurance principles; property and casualty basics; dwelling and homeowners coverage; commercial property and inland marine; auto and liability coverage; claims handling, investigation, and adjustment practices; and public adjuster contracting, ethics, and consumer protection. Preparation should start with the official Candidate Handbook and Content Outlines available in the Pearson VUE downloads section, because those documents - not third-party summaries - define what is tested. The NC Public Adjuster case studies are 5 cases and about 2,349 words.
1Three-Business-Day Cancellation and the Pre-Existing Offer
On Friday, September 13, 2024, a Wilmington homeowner signed a written public adjuster contract at 4:30 p.m. for wind and rain damage from a named storm.
476 words, about 2 min2Wind-Breached Roof, Mold Sub-limit, and Siding Matching
An HO-3 policy covers a 1998 Raleigh home for 350,000 dwelling, 2,500 deductible, replacement cost on dwelling and actual cash value on personal property. A windstorm lifts shingles and creates an 18-inch opening.
498 words, about 2 min3Restaurant Fire, Period of Restoration, and Off-Site Equipment
Ambrosia Kitchen, a Charlotte restaurant, carries commercial property coverage with 250,000 building, 150,000 business personal property, 12 months of business income with a 72-hour waiting period, and extra expense. A separate inland marine equipment floater schedules a 40,000 portable generator and a 15,000 catering trailer.
499 words, about 2 min4Rental Basement Injury Demand and the Limits of a Property License
A Durham homeowner rents a basement apartment to a tenant. The homeowner has an HO-3 with 300,000 personal liability and a separate DP-3 policy on a rental duplex.
449 words, about 2 min5Hail-Storm Door Knock, Gift Card, and Deductible Waiver
After an April hail storm in Greensboro, a public adjuster knocks on the door of a 78-year-old homeowner. The insurer has already inspected and issued a 22,000 check for a roof replacement, which the homeowner has not deposited.
427 words, about 2 min