NH Public Adjuster study guide
NH Public Adjuster · Work through your exam, one topic at a time.
The New Hampshire Public Adjuster credential is a state-issued license for professionals who represent policyholders-not insurers-when negotiating property and casualty claims. Candidates typically enter from claims, restoration, construction estimating, or real estate backgrounds, and they need a working command of policy language, damage valuation, and the regulatory boundaries that separate public adjusting from company adjusting. The licensing exam is organized into four equally weighted domains: Insurance Principles and Concepts; Property and Casualty Insurance Basics; Public Adjusting Practices and Ethics; and New Hampshire Insurance Laws and Regulations. Expect questions that test vocabulary and doctrine alongside applied scenarios, such as identifying who owes a duty to whom, spotting an ethics problem in a fee arrangement, or recognizing which state authority governs a licensing question. The NH Public Adjuster study guide has 4 sections and about 1,565 words.
01Insurance Principles and Concepts
This domain tests the doctrines that underpin every property and casualty claim: indemnity, insurable interest, good faith, causation, and the limits on recovery. A public adjuster must apply these principles when measuring a loss and explaining settlement math to an insured.
369 words, about 2 min02Property and Casualty Insurance Basics
Property and casualty insurance basics test how policies are built and how coverage is triggered. Expect policy structure, perils and hazards, limits, deductibles, coinsurance, and the difference between first-party property and third-party liability.
387 words, about 2 min03Public Adjusting Practices and Ethics
Public adjusting practices and ethics test the adjuster’s role as the insured’s advocate, the written-contract rules, compensation limits, and the fiduciary and fair-dealing duties that apply when negotiating a claim. A public adjuster represents the insured , not the insurer.
411 words, about 2 min04New Hampshire Insurance Laws and Regulations
New Hampshire insurance laws and regulations test the statutes and department rules that govern public adjusters. Focus on RSA 402-B, licensing, the Insurance Commissioner’s authority, contract and fee requirements, and unfair trade practice exposure.
398 words, about 2 min