NV Public Adjuster study plan
NV Public Adjuster · Give each week a clear focus.
8 weeks · About 6 hours per week
Nevada insurance law and regulations
Map the Nevada insurance code into a one-page outline covering licensing, producer duties, and adjuster-specific rules
Define each key statutory term (public adjuster, adjuster, producer, insurer, insured) in your own words
List the Nevada Division of Insurance's enforcement powers and the penalties attached to unlicensed adjusting
Build a flashcard set of 25 Nevada-specific terms and cite the section for each
Your checkpoint
A 2-page Nevada law cheat sheet plus 25 cited flashcards, self-quizzed to 90% accuracy
Nevada insurance law and regulations & Ethics and producer responsibilities
Trace the public adjuster licensing pathway from application through renewal, including bonding and continuing education
Summarize the statutory prohibitions on fee-sharing, solicitation, and compensation arrangements
Draft three short scenarios where a public adjuster's conduct would breach Nevada rules and identify the violated provision
Compare public adjuster fiduciary duties against general producer duties in a two-column table
Your checkpoint
A compliance matrix listing 10 prohibited acts with the governing rule and a worked example for each
Policy coverage and provisions
Diagram the structure of a homeowners policy: declarations, insuring agreement, exclusions, conditions, endorsements
Explain replacement cost versus actual cash value and calculate both on three sample losses
Identify common Nevada-relevant endorsements and what each changes in coverage
Translate five policy exclusions into plain-language client explanations
Your checkpoint
A one-page coverage map plus three ACV/RCV calculations with step-by-step math shown
Policy coverage and provisions & Claims handling and adjusting practices
Apply coinsurance, deductibles, and loss settlement clauses to four practice loss scenarios
Sequence the claim process from first notice of loss through settlement and payment
Write the questions you must ask an insured during an initial claim interview
Distinguish covered, partially covered, and excluded damage in three mixed-cause scenarios
Your checkpoint
Four completed claim-scenario worksheets with coverage determination and dollar settlement figure for each
Claims handling and adjusting practices
Produce a room-by-room damage inventory template with quantity, age, condition, and valuation columns
Explain the steps for documenting a loss: photographs, measurements, receipts, and expert reports
Outline how to prepare and defend a repair estimate against an insurer's scope disagreement
Describe the appraisal and alternative dispute resolution options available when negotiation stalls
Your checkpoint
A reusable damage inventory and documentation checklist, plus one fully built sample inventory with valuation
Claims handling and adjusting practices & Ethics and producer responsibilities
Draft a client representation agreement outline that discloses fees, duties, and conflicts
Practice explaining a settlement offer and its basis to a hypothetical client in under five minutes
Identify ethical pitfalls in claim documentation, including exaggeration and undisclosed prior damage
List the records you must retain and for how long under Nevada requirements
Your checkpoint
A mock client consultation script with fee disclosure language and a signed-agreement checklist
Ethics and producer responsibilities & Nevada insurance law and regulations
Analyze five ethics case vignettes and classify each as compliant, questionable, or prohibited with reasoning
Reconcile Nevada advertising and solicitation rules with practical marketing tactics
Build a personal conflicts-of-interest screening checklist for new clients
Review your week 1-2 notes and correct any statutory citations that changed or were misremembered
Your checkpoint
Five written ethics analyses with rule citations and a one-page conflict screening checklist
Nevada insurance law and regulations & Policy coverage and provisions & Claims handling and adjusting practices & Ethics and producer responsibilities
Take two full-length timed practice exams and log every missed question by domain
Re-drill your weakest 20 missed concepts until you can explain each without notes
Recite the licensing, fee, and prohibited-conduct rules from memory in a five-minute verbal run-through
Build a final one-page summary sheet you can review in the 48 hours before the exam
Your checkpoint
Two scored practice exams with a domain-by-domain error log and a final one-page summary sheet
Milestones
Week 2: Score 85% or higher on a 40-question self-quiz covering Nevada licensing, fees, and prohibited conduct, without notes
Week 4: Correctly determine coverage and compute settlement amounts on all four claim scenarios, showing every formula step
Week 6: Deliver the mock client consultation end to end in under 10 minutes, including accurate fee disclosure and a documented inventory
Week 8: Score 80% or higher on both timed practice exams and show a shrinking error log with no repeated domain-level mistakes