Claims Adjuster License (MO)

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

TL;DR

Claims Adjuster License (MO): a 32-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 32 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 Mo. Rev. Stat. (97%) and 20 CSR (3%) of this exam's citations.

Not sure where you stand? Take the free diagnostic — 10 real questions across the exam's domains, no sign-up required, with a domain-by-domain breakdown at the end.

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3

full papers, no repeats

32

questions per paper

32

questions in the bank

What this exam covers

Adjuster Licensing Scope16%
Claim Denial Appeal Rights6%
Claims Handling Process13%
Duty Good Faith Fair Dealing13%
Property Claim Investigation9%
Public Adjuster Requirements16%
Subrogation6%
Unfair Claims Settlement Practices Act13%
Valuation Acv Replacement Cost9%

5 real sample questions

In Missouri, which type of adjuster is required to hold a state-issued adjuster license?

A. A staff adjuster employed directly by an insurance company to adjust that company's own claims

B. An independent adjuster hired by an insurer to adjust claims on the insurer's behalf

C. A public adjuster who represents a policyholder in negotiating a claim against the policyholder's own insurer for a fee

D. A claims examiner who reviews files but does not communicate with claimants

Source: Mo. Rev. Stat. § 325.015

Why is it inaccurate to say "Missouri has no adjuster licensing law" when describing the state's regulatory scheme?

A. Missouri licenses every person who investigates or pays a claim, regardless of who they work for

B. Missouri does not license company or independent adjusters working for insurers, but it does license public adjusters, who represent policyholders for a fee

C. Missouri only licenses adjusters who handle auto claims

D. Missouri requires a license only for adjusters who handle claims over $50,000

Source: Mo. Rev. Stat. § 325.015

A homeowner hires a professional, for a percentage fee, to inspect fire damage and negotiate the claim settlement directly with the homeowner's own insurance company. Under Missouri law, what is this professional?

A. A staff adjuster

B. A public adjuster, who must hold a Missouri public adjuster license

C. An independent contractor exempt from licensing because the fee is contingent

D. An insurance producer acting within the scope of a property and casualty license

Source: Mo. Rev. Stat. § 325.015

Which activity is expressly prohibited for a Missouri-licensed public adjuster under Chapter 325?

A. Charging a percentage-based fee for services rendered

B. Practicing law or engaging in the unauthorized practice of law while performing adjusting services

C. Representing more than one policyholder at a time

D. Inspecting property damage without the insurer present

Source: Mo. Rev. Stat. § 325.015

Which line of insurance is NOT within the typical scope of public adjuster licensure in Missouri?

A. Property claims

B. Casualty claims arising from first-party loss

C. Workers' compensation claims

D. Fire loss claims

Source: Mo. Rev. Stat. § 325.015

Same exam, other states

AL AR AZ CA CO CT DC FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN 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 (MO)May 2025$75,840/yr

Frequently asked questions

How many questions are on the CertQuestUSA Claims Adjuster License (MO) practice test?

32 questions total, split into 3 full papers of 32 each with no repeats across papers.

What topics does the Claims Adjuster License (MO) test cover?

9 domains, with the heaviest weight on Adjuster Licensing Scope (16%), Public Adjuster Requirements (16%), and Claims Handling Process (13%).

Where do CertQuestUSA's Claims Adjuster License (MO) questions come from?

Primarily Mo. Rev. Stat. (97%) and 20 CSR (3%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.

Is there a free diagnostic for Claims Adjuster License (MO)?

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