NH Adjuster's Property & Casualty Insurance — Information & Free Practice
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NH Adjuster's Property & Casualty Insurance
- Provider
- PSI
- Format
- Computer-administered examination
- Exam questions
- 150 scored items; additional unscored experimental questions may be administered
- Time limit
- 2.5 Hours
Examination outline
Insurance Regulation (7%)
- Licensing requirements (402-B:1)
- Licensing requirements (402-B:1) / Qualifications (402-B:3)
- Licensing requirements (402-B:1) / Process (402-B:3, 4)
- Licensing requirements (402-B:1) / Licensing exemptions (402-B:2)
- Licensing requirements (402-B:1) / License display (402-B:9)
- Maintenance and duration
- Maintenance and duration / Renewal (402-B:10-a)
- Maintenance and duration / Renewal (402-B:10-a) / Investigations enforcement (400-A:16)
- Maintenance and duration / Records (400-B:5)
- Maintenance and duration / Continuing education requirements (402-B:5-a; Reg 1302.04)
- Disciplinary actions
- Disciplinary actions / Cease and desist order (417:12)
- Disciplinary actions / Suspension or revocation (402-B:12)
- Disciplinary actions / Penalties and fines (402-B:12, 13; 417:13)
- Claim settlement laws and regulations (407:12–15; 417:4(XV); Reg 1002.01–.20)
- Records Retention (400-B)
- New Hampshire Auto Laws
- New Hampshire Auto Laws / Collision Deductible Waiver (Reg 1002.19, 412:8(III))
Licensing and Regulation (3%)
- 18 United States Code (USC) Sections 1033 and 1034 - Purpose
- 18 United States Code (USC) Sections 1033 and 1034 - Purpose / Privacy (Gramm-Leach-Bliley)
- 18 United States Code (USC) Sections 1033 and 1034 - Purpose / National Flood Insurance Program (NFIP)
- 18 United States Code (USC) Sections 1033 and 1034 - Purpose / Terrorism Risk Insurance Act
- 18 United States Code (USC) Sections 1033 and 1034 - Purpose / Motor Carrier Act (MCS-90 and Others)
General Insurance Concepts (10%)
- Risk
- Risk / Methods of Handling Risk (e.g., Avoidance, Retention, Sharing, Reduction, Transfer)
- Risk / Elements of Insurable Risks
- Risk / Definitions (e.g., Risk, Hazard, Peril, Loss)
- Classifications of Insurers
- Classifications of Insurers / Mutual, Stock
- Classifications of Insurers / Admitted, Non-Admitted
- Classifications of Insurers / Foreign, Domestic, Alien
- Elements of a Contract
- Elements of a Contract / Consideration
- Elements of a Contract / Competent Parties
- Elements of a Contract / Legal Purpose
- Elements of a Contract / Offer
- Elements of a Contract / Acceptance
- Authority and Powers of Producers
- Authority and Powers of Producers / Express
- Authority and Powers of Producers / Implied
- Authority and Powers of Producers / Apparent
- Authority and Powers of Producers / The Law of Agency
- Legal Interpretations Affecting Contracts
- Legal Interpretations Affecting Contracts / Reasonable Expectations
- Legal Interpretations Affecting Contracts / Indemnity
- Legal Interpretations Affecting Contracts / Good Faith
- Legal Interpretations Affecting Contracts / Fraud
- Legal Interpretations Affecting Contracts / Warranties, Representations, Misrepresentations, and Concealment
Property and Casualty Insurance Basics (21%)
- Insurable Interest
- Liability
- Liability / Absolute
- Liability / Strict
- Liability / Vicarious
- Underwriting
- Underwriting / Purpose
- Underwriting / Process
- Underwriting / Results
- Rate Development
- Rate Development / Types
- Rate Development / Components
- Rate Development / Basis
- Types of Hazards
- Types of Perils
- Types of Loss
- Types of Loss / Direct
- Types of Loss / Indirect
- Loss Valuation
- Loss Valuation / Actual Cash Value
- Loss Valuation / Replacement Cost
- Loss Valuation / Functional Replacement Cost
- Loss Valuation / Market Value
- Loss Valuation / Agreed Value
- Loss Valuation / Valued Policy
- Basic Types of Construction
- Negligence
- Negligence / Torts
- Negligence / Elements of a Negligent Act
- Negligence / Defense Against Negligence
- Accident versus Occurrence
- Policy Structure
- Policy Structure / Declarations
- Policy Structure / Definitions
- Policy Structure / Insuring Agreement
- Policy Structure / Additional/Supplementary Coverage
- Policy Structure / Conditions
- Policy Structure / Exclusions
- Policy Structure / Endorsements
- Policy Clauses
- Policy Clauses / Insureds
- Policy Clauses / Policy Period
- Policy Clauses / Policy Territory
- Policy Clauses / Cancellation and Non-Renewal
- Policy Clauses / Deductibles
- Policy Clauses / Other Insurance
- Policy Clauses / Other Insurance / Nonconcurrency
- Policy Clauses / Other Insurance / Primary and Excess
- Policy Clauses / Other Insurance / Pro Rata
- Policy Clauses / Other Insurance / Contribution by Equal Shares
- Limits of Liability
- Limits of Liability / Per Accident
- Limits of Liability / Per Occurrence
- Limits of Liability / Per Person
- Limits of Liability / Aggregate
- Limits of Liability / Split Limits
- Limits of Liability / Combined Single Limit
- Coinsurance
- Coinsurance / Purpose
- Coinsurance / Definition
- Coinsurance / Calculation
- Coinsurance / Penalties
- Coinsurance / Total versus Partial Loss
- Specific, Scheduled, and Blanket Insurance
- Vacant versus Unoccupied
- Named Insured Provisions
- Named Insured Provisions / First Named Insured versus Other Insureds
- Named Insured Provisions / Duties After Loss
- Named Insured Provisions / Assignment
- Named Insured Provisions / Waiver of Rights
- Named Insured Provisions / Insurer Provisions
- Named Insured Provisions / Insurer Provisions / Liberalization
- Named Insured Provisions / Insurer Provisions / Subrogation
- Named Insured Provisions / Insurer Provisions / Claim Settlement Options
- Named Insured Provisions / Insurer Provisions / Duty to Defend
- Named Insured Provisions / Third-Party Provisions
- Named Insured Provisions / Third-Party Provisions / Standard Mortgage Clause
- Named Insured Provisions / Third-Party Provisions / Loss Payable Clause
- Named Insured Provisions / Third-Party Provisions / No Benefit to the Bailee
Dwelling Policy Concepts (6%)
- Purpose and Eligibility
- Perils Insured Against
- Perils Insured Against / Basic
- Perils Insured Against / Broad
- Perils Insured Against / Special
- Property Coverages
- Property Coverages / Coverage A - Dwelling
- Property Coverages / Coverage B - Other Structures
- Property Coverages / Coverage C - Personal Property
- Property Coverages / Coverage D - Fair Rental Value
- Property Coverages / Coverage E - Additional Living Expenses
- Property Coverages / Other Coverages
- Dwelling Property Conditions
- Dwelling Property Exclusions
- Dwelling Property Endorsements
- Personal Liability Supplement
- Personal Liability Supplement / Coverage L - Personal Liability
- Personal Liability Supplement / Coverage M - Medical Payments to Others
Homeowners Policy Concepts (13%)
- Definitions
- Eligibility and Purpose
- Homeowners Policy Coverage Forms
- Homeowners Policy Coverage Forms / Broad (HO-2)
- Homeowners Policy Coverage Forms / Special (HO-3)
- Homeowners Policy Coverage Forms / Contents Broad (HO-4)
- Homeowners Policy Coverage Forms / Comprehensive (HO-5)
- Homeowners Policy Coverage Forms / Unit-Owners (HO-6)
- Homeowners Policy Coverage Forms / Modified Coverages (HO-8)
- Section I - Property Coverages
- Section I - Property Coverages / Coverage A - Dwelling
- Section I - Property Coverages / Coverage B - Other Structures
- Section I - Property Coverages / Coverage C - Personal Property
- Section I - Property Coverages / Coverage D - Loss of Use
- Section I - Property Coverages / Additional Coverages
- Section II - Liability Coverages
- Section II - Liability Coverages / Coverage E - Personal Liability
- Section II - Liability Coverages / Coverage F - Medical Payments to Others
- Section II - Liability Coverages / Additional Coverages
- Homeowners Policy Exclusions
- Homeowners Policy Exclusions / Section I-Property Covered Exclusions
- Homeowners Policy Exclusions / Section II - Liability Covered Exclusions
- Homeowners Policy Conditions
- Homeowners Policy Endorsements
- Homeowners Policy Endorsements / Business Pursuits
- Homeowners Policy Endorsements / Earthquake
- Homeowners Policy Endorsements / Home Day Care
- Homeowners Policy Endorsements / Personal Injury
- Homeowners Policy Endorsements / Personal Property Replacement Cost
- Homeowners Policy Endorsements / Watercraft
- Homeowners Policy Endorsements / Ordinance or Law
- Scheduled Personal Property/Personal Articles Floater
Personal Automobile Policy (10%)
- Definitions
- Personal Injury Protection Definitions
- Liability Coverage
- Liability Coverage / Bodily Injury and Property Damage
- Liability Coverage / Supplementary Payments
- Liability Coverage / Exclusions
- Medical Payments Coverage
- Uninsured and Underinsured Motorists Coverage
- Uninsured and Underinsured Motorists Coverage / Definitions
- Uninsured and Underinsured Motorists Coverage / Bodily Injury
- Uninsured and Underinsured Motorists Coverage / UM and UIM Rejection
- Coverage for Damage to your Automobile
- Coverage for Damage to your Automobile / Collision
- Coverage for Damage to your Automobile / Other than Collision (Comprehensive)
- Coverage for Damage to your Automobile / Deductibles
- Coverage for Damage to your Automobile / Exclusions
- Duties after an Accident or Loss
- General Provisions
- Endorsements
- Endorsements / Towing and Labor Costs
- Endorsements / Extended Non-Owned Coverage - Vehicles Furnished or Available for Regular Use
- Endorsements / Joint Ownership Coverage
- Endorsements / Rental Vehicle Coverage
Commercial Automobile Policy (6%)
- Commercial Automobile Coverage Forms
- Covered Automobiles
- Covered Automobiles / Hired Automobiles
- Covered Automobiles / Non-owned Automobiles
- Liability
- Physical Damage
- Exclusions
- Conditions
- Definitions
- Selected Endorsements
- Selected Endorsements / Lessor - Additional Insured and Loss Payee
- Selected Endorsements / Mobile Equipment
- Selected Endorsements / Property Protection Coverage
- Selected Endorsements / Broad Form Products
- Selected Endorsements / Employees as Insureds
Commercial Property Policies (7%)
- Commercial Package Policy
- Commercial Package Policy / Purpose
- Commercial Package Policy / Definition
- Commercial Package Policy / Coverages
- Commercial Package Policy / Coverage Extensions
- Commercial Policy Components
- Commercial Policy Components / Declarations
- Commercial Policy Components / Conditions
- Commercial Policy Components / Insuring Agreements
- Commercial Policy Components / Exclusions
- Commercial Property Forms
- Commercial Property Forms / Coverage Forms for Building and Business Personal Property
- Commercial Property Forms / Builders Risk
- Commercial Property Forms / Business Income
- Commercial Property Forms / Extra Expense
- Commercial Property Forms / Legal Liability
- Commercial Property Forms / Cause of Loss Forms
- Commercial Property Forms / Commercial Crime
- Commercial Property Endorsements
- Commercial Property Endorsements / Ordinance or Law
- Commercial Property Endorsements / Peak Season Limit of Insurance
- Commercial Property Endorsements / Spoilage
- Commercial Property Endorsements / Value Reporting Form
- Commercial Property Endorsements / Earthquake
- Commercial Property Endorsements / Equipment Breakdown Coverages
- Commercial Inland Marine - Purpose
- Ocean Marine (Distinction Between Inland and Ocean)
- Farm Property
- Farm Property / Definitions
- Farm Property / Conditions and Exclusions
- Farm Property / Coverages
Commercial General Liability (6%)
- Commercial Policy Components
- Commercial Policy Components / Declarations
- Commercial Policy Components / Conditions
- Commercial Policy Components / Interline Endorsements
- Commercial General Liability Coverages
- Commercial General Liability Coverages / Bodily Injury and Property Damage
- Commercial General Liability Coverages / Personal and Advertising Injury
- Commercial General Liability Coverages / Medical Payments
- Commercial General Liability Coverages / Conditions
- Commercial General Liability Coverages / Definitions
- Commercial General Liability Coverages / Exclusions
- Occurrence versus Claims-made
- Commercial General Liability Exposures
- Commercial General Liability Exposures / Premises and Operations
- Commercial General Liability Exposures / Products and Completed Operations
- Commercial General Liability Exposures / Contractual Liability
Other Types of Insurance Policies (2%)
- Personal Umbrella, Commercial Umbrella, and Excess Policies
- Personal Umbrella, Commercial Umbrella, and Excess Policies / Underlying Limits
- Personal Umbrella, Commercial Umbrella, and Excess Policies / Self-Insured Retention
- Mobile Home Policy (Insuring Agreement)
- Earthquake Insurance (Insuring Agreement)
- Earthquake Insurance (Insuring Agreement) / Deductible
Adjustment Process (9%)
- Claim Notification Process
- Claim Notification Process / Date of Loss
- Claim Notification Process / Location
- Claim Notification Process / Parties Involved
- Claim Notification Process / Type of Loss (e.g., Liability, Property)
- Investigation and Evaluation of Loss/Claim Information
- Investigation and Evaluation of Loss/Claim Information / Determination of Applicable Coverage
- Investigation and Evaluation of Loss/Claim Information / Inquiry into Relevant Information
- Investigation and Evaluation of Loss/Claim Information / Purpose of Loss Reserves
- Remedies for Disputes
- Remedies for Disputes / Appraisal
- Remedies for Disputes / Mediation (Binding and Unbinding)
- Remedies for Disputes / Arbitration (Binding and Unbinding)
- Remedies for Disputes / Litigation
- Finalization of Claim
- Finalization of Claim / Denial
- Finalization of Claim / Settlement
- Finalization of Claim / Closing Claim
- Finalization of Claim / Salvage
Examination sources
- NH Adjuster Property and Casualty Insurance Content Outline, Series 12-75
p. 1, complete published content outline
- NH Adjuster Property and Casualty Insurance Content Outline, Series 12-75
p. 2, complete published content outline
- NH Adjuster Property and Casualty Insurance Content Outline, Series 12-75
p. 3, complete published content outline
- NH Adjuster Property and Casualty Insurance Content Outline, Series 12-75
p. 4, complete published content outline
- NH Adjuster Property and Casualty Insurance Content Outline, Series 12-75
p. 5, complete published content outline
- NH Adjuster Property and Casualty Insurance Content Outline, Series 12-75
p. 6, complete published content outline
- NH Adjuster Property and Casualty Insurance Content Outline, Series 12-75
p. 7, complete published content outline
- NH Adjuster Property and Casualty Insurance Content Outline, Series 12-75
p. 8, complete published content outline
- NH Adjuster Property and Casualty Insurance Content Outline, Series 12-75
p. 1, examination heading
- New Hampshire Insurance Department Candidate Information Bulletin
p. 10, Score Reporting
- New Hampshire Insurance Department Candidate Information Bulletin
p. 10, Experimental Items
- New Hampshire Insurance Department Candidate Information Bulletin
p. 10, Test Question Screen
- New Hampshire Insurance Department Candidate Information Bulletin
p. 11, 12-75 current content-outline listing