Public Adjuster License (MA)

First published: September 1, 2026Last verified: September 2, 2026Reviewed by the CertQuestUSA team

TL;DR

Public Adjuster License (MA): a 30-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 30 questions each with no repeats, every question citing the real regulation it comes from.

Where these questions come from

Every question in this bank cites a real source -- primarily M.G.L. c. (100%) of this exam's citations.

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3

full papers, no repeats

30

questions per paper

30

questions in the bank

What this exam covers

Adjuster Conduct Solicit Business3%
Catastrophe Adjuster Licensing3%
Compliance Framework All Adjusters3%
Consumer Protection Triple Damages3%
Dhs Reciprocal Licensing3%
Division of Insurance Authority3%
Independent Adjuster Licensing3%
Insured Rights Claim Denial3%
Misrepresentation Policy Terms3%
Public Adjuster Age Requirement3%
Public Adjuster Attorney Distinction3%
Public Adjuster Background Check3%
Public Adjuster Continuing Education3%
Public Adjuster Contract Approval Process3%
Public Adjuster Contract Cancellation3%
Public Adjuster Contract Requirements3%
Public Adjuster Definition3%
Public Adjuster Examination3%
Public Adjuster Experience3%
Public Adjuster Fee Disclosure3%
Public Adjuster License Renewal Deadlines3%
Public Adjuster License Term3%
Public Adjuster Licensing Requirement3%
Unfair Claims Practices Prompt Action3%
Unfair Claims Settlement Practices17%
Unlicensed Public Adjuster Penalty3%

5 real sample questions

What is the consequence in Massachusetts if a public adjuster fails to renew their license before expiration?

A. The adjuster must stop performing public adjusting work and may face penalties for unlicensed practice

B. Renewal is optional; the adjuster can continue working as long as they pass the exam once

C. The adjuster can continue working for 90 days after expiration

D. The license is automatically renewed upon payment of a late fee

Source: M.G.L. c. 175 § 172

What does the Massachusetts unfair claims settlement practices law require regarding action on a claim once liability is reasonably clear?

A. Offering an initial settlement amount and waiting for insured response before proceeding

B. Effectuating a prompt, fair, and equitable settlement without unreasonable delay

C. Taking additional investigation time to reduce settlement costs

D. Referring the claim to a separate department that may take months to review

Source: M.G.L. c. 176D § 3(9)

Under Massachusetts law, what must occur before a public adjuster contract with an insured becomes effective?

A. The contract must be submitted to and approved by the Commissioner of Insurance

B. The contract must be notarized by a public notary

C. The contract must be filed with the state attorney general

D. The contract is effective upon signature by the adjuster and insured

Source: M.G.L. c. 175 § 172

Which of the following applies to ALL claims adjusters in Massachusetts, whether licensed or not?

A. Compliance with unfair claims settlement practices law, including fair dealing and prompt action

B. Conduct standards only apply to adjusters hired by insurance companies

C. Independent adjusters are exempt from all conduct requirements

D. Only public adjusters must comply with conduct standards

Source: M.G.L. c. 176D § 3(9)

An adjuster tells an insured that their homeowners policy covers flood damage when the policy explicitly excludes flood. This action violates which Massachusetts statute?

A. Only insurance company policy, not state law

B. No statute is violated; adjusters may interpret policies as they see fit

C. Only M.G.L. c. 175 if the adjuster is a licensed public adjuster

D. M.G.L. c. 176D § 3(9), which prohibits misrepresenting policy provisions

Source: M.G.L. c. 176D § 3(9)

Same exam, other states

AL AR AZ CA CO CT DC FL GA HI IA ID IL IN KS KY LA MD ME MI MN MO MS NC NE NH NJ NM NV NY OH OK OR PA SC TN TX UT VA WA WI WV

Real-world data for this exam

Claims Adjusters, Examiners, and Investigators: real median wage (MA)May 2025$83,740/yr

Frequently asked questions

How many questions are on the CertQuestUSA Public Adjuster License (MA) practice test?

30 questions total, split into 3 full papers of 30 each with no repeats across papers.

What topics does the Public Adjuster License (MA) test cover?

26 domains, with the heaviest weight on Unfair Claims Settlement Practices (17%), Adjuster Conduct Solicit Business (3%), and Catastrophe Adjuster Licensing (3%).

Where do CertQuestUSA's Public Adjuster License (MA) questions come from?

Primarily M.G.L. c. (100%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.

Is there a free diagnostic for Public Adjuster License (MA)?

Yes -- 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.