OK Public Adjuster study guide
OK Public Adjuster · Work through your exam, one topic at a time.
The Oklahoma Public Adjuster Examination is the licensing test a candidate must pass to be licensed as a public adjuster in Oklahoma. A public adjuster represents the insured - a homeowner or business owner - rather than the insurer, and negotiates, prepares, and supports first-party property claims for compensation. The OK Public Adjuster study guide has 8 sections and about 2,190 words.
01Insurance Principles and Terminology
Domain 1 tests the foundational vocabulary that every later coverage and claims question depends on. Expect questions that ask you to distinguish indemnity from profit, identify who has an insurable interest, or explain why an insurer can pursue a third party after paying a claim.
269 words, about 1 min02Property Insurance Basics and Policy Structure
Domain 2 tests the structure of a property policy and how limits, deductibles, and coinsurance interact. Oklahoma candidates must read a declarations page and a loss settlement clause without guessing.
255 words, about 1 min03Dwelling and Homeowners Coverage Forms
Domain 3 tests the dwelling and homeowners forms: which form covers what, which perils apply, and which internal limits reduce a claim. Expect questions comparing HO-3 and HO-5, or applying a special limit to stolen jewelry.
279 words, about 1 min04Commercial Property and Business Income Coverage
Domain 4 tests commercial property forms and time-element coverage. The exam expects you to separate building damage from business income loss and to apply coinsurance and the period of restoration correctly.
278 words, about 1 min05Perils, Exclusions, and Endorsements
Domain 5 tests whether you can classify a loss by peril, then apply exclusions and endorsements in the right order. Most missed questions involve water, earth movement, mold, and anti-concurrent causation.
298 words, about 1 min06Claims Handling, Loss Adjustment, and Damage Valuation
Domain 6 tests the claims process from notice to payment: duties after loss, investigation, valuation, and dispute resolution. The exam favors questions about proof of loss, examination under oath, and actual cash value.
269 words, about 1 min07Oklahoma Insurance Statutes and Regulations
Domain 7 tests Oklahoma-specific regulation: who licenses adjusters, what claim conduct is prohibited, and how the Oklahoma Insurance Department enforces the Insurance Code. Expect questions grounded in Title 36 of the Oklahoma Statutes, not generic national rules.
252 words, about 1 min08Public Adjuster Licensing, Duties, and Ethical Practices
Domain 8 tests public adjuster licensing, contract rules, and fiduciary conduct. A public adjuster represents the insured-not the insurer-and must keep the insured's interests ahead of the fee.
290 words, about 1 min