NH Claims Adjuster study plan

Define the six characteristics of an insurable risk and classify ten everyday exposures as insurable or uninsurable with a one-line rationale for each.

Distinguish indemnity, utmost good faith, insurable interest, subrogation, and contribution, and give a claims scenario that illustrates each principle in operation.

Map the structure of an insurance policy (declarations, insuring agreement, conditions, exclusions, definitions) and label each part on a marked-up specimen policy you write yourself.

Explain the difference between a peril and a hazard, and between moral, morale, and physical hazards, using three original examples per hazard type.

Compare occurrence, claims-made, and claims-made-and-reported triggers and state which policy responds in three written date scenarios.

Calculate ACV and replacement cost outcomes for a dwelling loss using depreciation schedules you construct yourself.

Explain coinsurance, deductibles, and policy limits (per occurrence, aggregate, sublimits) and compute the insured's share on two worked examples.

Describe how the HO-3, HO-4, and HO-5 forms differ in perils covered and coverage structure without looking at notes.

Outline Coverage A through Coverage F of the homeowners form and list at least three exclusions attached to each.

Distinguish the personal auto policy parts (liability, medical payments, uninsured/underinsured motorist, physical damage) and identify which part responds to four written fact patterns.

Summarize commercial property and general liability coverage triggers and explain the business income and extra expense concept in your own words.

Identify inland marine, umbrella, and workers' compensation coverages well enough to route a claim to the correct policy.

Sequence the claim handling lifecycle from first notice of loss through subrogation and file closing, naming the adjuster action and documentation required at each step.

Draft a recorded-statement outline and a proof-of-loss request letter using original wording.

Apply the concepts of actual cash value, betterment, salvage, and depreciation when settling a total loss and justify each deduction in writing.

Explain reservation of rights, denial letters, and the duty to defend versus the duty to indemnify, and identify which applies in three scenarios.

Demonstrate the steps for investigating a suspicious claim, including red flags, EUO considerations, and referral to a special investigation unit.

Describe how to handle a liability claim involving comparative fault and explain how comparative negligence affects the settlement figure.

Identify the New Hampshire licensing requirements that apply to adjusters, including the lines of authority and the resident versus nonresident pathways.

Locate and summarize the New Hampshire statutes and administrative rules governing claim handling timeframes and unfair claim settlement practices.

Summarize New Hampshire requirements for continuing education, license renewal, and reporting of address or name changes.

Explain the role and authority of the New Hampshire Insurance Department and describe the producer/adjuster disciplinary process from complaint to order.

State New Hampshire rules on cancellation, nonrenewal, and premium increase notices for personal lines and identify the required notice periods.

Describe New Hampshire requirements around uninsured motorist coverage, financial responsibility, and proof of insurance.

Complete a timed 100-question mixed practice exam and score each item by domain.

Re-teach your three weakest domain subtopics in writing as if explaining them to a new trainee.

Resolve every missed practice item by finding the governing concept or regulation and rewriting the rule in one sentence.

Build a one-page formula and definition sheet for calculations and statutory timeframes.

Re-drill New Hampshire-specific rules until you can state notice periods, licensing steps, and unfair practices from memory.

Complete two additional timed 50-question sets and score at or above 85% on each.

Rehearse claim scenarios aloud, walking through coverage determination, investigation, and settlement in under five minutes each.

Review your error logs and confirm no repeated mistake category remains unresolved.