NH Public Adjuster study plan

Define indemnity, insurable interest, utmost good faith, subrogation, and proximate cause, and write one original claim scenario illustrating each principle.

Distinguish the roles of insurer, insured, agent/producer, broker, third-party administrator, and public adjuster in the claims process.

Explain how coinsurance, deductibles, limits, and valuation clauses change the amount an insured actually recovers.

Map the property vs. casualty split and identify which coverage forms fall into each category.

Compare ACV, replacement cost, functional replacement cost, and agreed value, and calculate recovery under each for the same hypothetical loss.

Trace the standard property loss-adjustment sequence from first notice of loss through payment and explain what each step produces.

Explain insurable interest, warranties, representations, and concealment, and describe how each affects claim outcomes.

Identify the major property and casualty policy families (HO forms, dwelling, commercial property, auto, general liability) and their core insuring agreements.

Analyze the standard property policy structure: declarations, insuring agreement, conditions, exclusions, and endorsements, and locate the clauses that most often drive disputes.

Explain coinsurance penalties and apply the coinsurance formula to three different underinsurance scenarios.

Describe common exclusions and endorsements (ordinance or law, water backup, mold, business income, equipment breakdown) and how each shifts loss exposure.

Summarize how liability coverage triggers (occurrence vs. claims-made) and limits (per occurrence, aggregate) work.

Define the public adjuster's scope of authority and distinguish it from that of staff adjusters, independent adjusters, and contractors.

Explain the typical sequence of a public adjuster engagement: solicitation, contract, inspection, documentation, negotiation, and settlement.

Assemble a sample claim file checklist covering photos, measurements, inventories, receipts, expert reports, and proof-of-loss support.

Describe how to document cause and origin and damage scope so that an insurer's adjuster can evaluate the claim without re-inspection.

Explain fiduciary duties, conflicts of interest, and the prohibition on representing both insurer and insured.

Apply ethical rules to three hard scenarios: a client asking for inflated damages, a contractor offering a referral fee, and a client who conceals prior damage.

Describe compensation structures (contingency fee vs. hourly) and the disclosure obligations that accompany each.

Draft a plain-language client intake explanation covering services, fees, cancellation rights, and complaint channels.

Summarize New Hampshire's public adjuster licensing requirements, including application, examination, and any required prelicensing education.

Identify the state regulator's authority over adjusters, including appointment or registration, renewal, continuing education, and recordkeeping duties.

Explain New Hampshire rules on adjuster contracts, fee disclosure, solicitation, and prohibited practices.

Describe the unfair trade practice and claim-handling standards that apply to insurers and adjusters, and the complaint and disciplinary process.

Reconcile New Hampshire requirements with the ethical duties from Domain 3, noting where state law is stricter than general practice.

Walk through a full claim from notice of loss to settlement, marking each point where a New Hampshire rule or disclosure obligation attaches.

Practice explaining fee agreements, cancellation, and the insured's rights in plain language suitable for a nervous homeowner.

Review recordkeeping and retention obligations and design a file structure that satisfies them.

Complete two full-length timed practice exams and score each by domain to find weak areas.

Re-drill every missed item by writing the underlying rule in your own words rather than memorizing the answer.

Recite from memory the core formulas (coinsurance, ACV, depreciation) and the New Hampshire licensing and disclosure requirements.

Build a one-page pre-exam review sheet limited to items you repeatedly missed.