TX Public Adjuster study plan

Map the Texas Department of Insurance structure and identify the commissioner's rulemaking, rate, and enforcement authority

List the Texas adjuster license classes, pre-licensing and exam requirements, and appointment or termination reporting duties

Explain continuing education hour requirements, reporting deadlines, and license renewal and reinstatement procedures

Identify the acts that trigger license denial, suspension, revocation, or administrative penalty under Insurance Code Chapter 4102

Sequence the claim-handling deadlines in Insurance Code Chapters 542 and 542A, including acknowledgment, accept-or-deny, and payment timeframes

Classify fact patterns as unfair claim settlement practices under Chapter 541 and the applicable TDI administrative rules

Differentiate the authority, disclosure duties, contract requirements, and compensation limits of a public adjuster versus a company or independent adjuster

Compute statutory penalty and interest exposure for a late-paid or improperly denied claim

Break down the HO-3 and HO-5 coverage forms into insuring agreement, covered perils, exclusions, and conditions

Distinguish actual cash value, replacement cost value, and functional replacement cost, and state when each loss settlement method applies

Interpret deductible clauses, coinsurance, and other-insurance provisions using worked numeric examples

Explain the insured's duties after loss and the coverage consequences of noncompliance

Apply policy exclusions to fact patterns involving surface water, mold, ordinance or law, and neglect

Trace the full claim lifecycle from first notice of loss through inspection, documentation, and settlement

Evaluate coverage questions using a repeatable four-step analysis: trigger, grant, exclusion, exception

Draft a scope-of-investigation checklist for a residential property loss

Conduct a systematic damage assessment of roofing, siding, interior finishes, and structural components

Document a loss with photographs, measurements, moisture readings, and a narrative that establishes causation

Recognize indicators of fraud, arson, or exaggeration while preserving good-faith claim obligations

Handle examinations under oath, recorded statements, and reservation-of-rights letters

Build a line-item repair estimate using standard trade categories, verified quantities, and defensible unit costs

Apply depreciation, betterment, overhead and profit, and tax correctly to reach a supported loss valuation

Reconcile scope differences between two competing estimates using measurable justifications rather than opinion

Assemble claim documentation that substantiates the demanded value under Texas documentation expectations

Apply fiduciary duties, good-faith standards, and conflict-of-interest rules to public adjuster conduct

Explain the written contract requirements, fee limits, and cancellation rights governing public adjuster agreements

Analyze case-style scenarios for Chapter 541 violations and prompt-payment exposure

Audit a claim file for documentation gaps that create bad-faith or regulatory exposure

Take two full-length timed practice exams and score each by domain

Re-drill the top 20 error-log items until each is answered correctly twice without notes

Recite from memory the statutory deadlines, licensing requirements, and loss settlement definitions

Simulate exam-day pacing, question triage, and flag-and-return strategy