TX Claims Adjuster study guide
TX Claims Adjuster · Work through your exam, one topic at a time.
A Texas claims adjuster license is a state credential issued by the Texas Department of Insurance (TDI) that authorizes a person to investigate, evaluate, negotiate, and settle insurance claims involving Texas policyholders. People pursue it from several directions: staff adjusters working directly for a carrier, independent adjusters deployed on daily or catastrophe claims, and public adjusters who represent policyholders rather than insurers. The TX Claims Adjuster study guide has 5 sections and about 1,512 words.
01Insurance Principles and Concepts
Insurance transfers risk from an individual to a pool. Candidates must define risk, peril, hazard, loss, exposure and retention, and must sort hazards into physical , moral (dishonest intent) and morale (carelessness) categories.
314 words, about 2 min02Texas Insurance Law and Regulations
The Texas Department of Insurance administers the Insurance Code. Adjusters are licensed under Chapter 4102 (all-lines license, biennial renewal, continuing education that includes ethics), must be licensed before handling claims, and may not misrepresent their authority.
310 words, about 2 min03Property Insurance Basics
HO-2 (broad named perils on both), HO-3 (open peril on the dwelling, named peril on contents), HO-5 (open peril on both), HO-4 (renters), HO-6 (condo, building items and betterments), HO-8 (older homes, functional replacement cost). Coverages A–F: dwelling, other structures, personal property, loss of use, liability, medical payments.
294 words, about 1 min04Casualty Insurance Basics
The commercial general liability policy covers Coverage A bodily injury and property damage, Coverage B personal and advertising injury, and Coverage C medical payments. It responds to sums the insured is legally obligated to pay because of an occurrence - an accident, including continuous or repeated exposure - and, in the claims-made form, to claims first made during the policy period, subject to the retroactive date.
290 words, about 1 min05Claims Adjusting Practices and Ethics
The work runs in a fixed sequence: acknowledge, investigate (statements, photos, scene, records, ISO), evaluate coverage first and damages second , document every contact, then negotiate and settle - or deny in writing citing the policy language. That discipline keeps a file defensible.
304 words, about 2 min