Claims Adjuster (Ohio)

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

TL;DR

Claims Adjuster (Ohio): a 155-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 50 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 content.naic.org (77%) and ORC (13%) 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

50

questions per paper

155

questions in the bank

What this exam covers

Adjuster Role, Claim Process, Ethics, and Communication16%
Auto Liability, Casualty, and Bodily Injury Claims16%
Investigation, Documentation, Estimating Damages, and Settlement16%
OH Adjuster Application Requirements1%
OH Adjuster CE (none required)1%
OH Certificate Denial1%
OH Adjuster Child Support Default1%
OH Adjuster Contract Filing1%
OH Adjuster Examination1%
OH Adjuster Licensing Structure (Public Adjusters Only, ORC 3951.01(E))1%
OH Adjuster Prohibited Activities (OAC 3901-1-24)2%
OH Adjuster Penalties1%
OH Adjuster Prohibited Conduct1%
OH Adjuster Reciprocity1%
OH Adjuster Recordkeeping1%
OH Adjuster Suspension & Revocation1%
OH Public Adjuster Agent1%
OH Public Adjuster Bond ($1,000, ORC 3951.06)1%
OH Public Adjuster Definitions1%
OH Public Adjuster Fees & Renewal1%
OH Unfair Claims Settlement Practices (OAC 3901-1-07)1%
Property Coverage: Standard Fire, Homeowners, and Commercial Property Claims16%
Subrogation, Salvage, Reinsurance, Catastrophe, Fraud, and Dispute Resolution16%

5 real sample questions

Under Ohio law, which category of insurance claims adjuster is subject to an individual state licensing requirement (a "certificate of authority")?

A. Public insurance adjusters

B. Staff (company) adjusters employed by an insurer

C. Independent adjusters representing an insurer

D. All adjusters regardless of who they represent

Source: ORC 3951.01; ORC 3951.02

Under ORC 3951.01, a "public insurance adjuster" is defined as a person or entity who, for compensation, does what?

A. Investigates arson-related fires on behalf of the state fire marshal

B. Acts on behalf of an insurer or insured in negotiating or effecting settlement of a property/casualty claim

C. Sells first-party property insurance policies to consumers

D. Represents an insurer exclusively in litigation over a denied claim

Source: ORC 3951.01

What surety bond amount must an individual public insurance adjuster maintain on file with the Ohio Superintendent of Insurance under ORC 3951.06?

A. $10,000

B. $20,000

C. $1,000

D. $50,000

Source: ORC 3951.06

Under ORC 3951.06, how is the required public insurance adjuster bond calculated for a firm, association, or partnership applying on behalf of multiple individuals?

A. A single $1,000 bond covers the entire firm regardless of headcount

B. $5,000 flat fee for firms of any size

C. The bond requirement is waived for firm applicants

D. $1,000 for each person designated in the application

Source: ORC 3951.06

What is the initial application fee for an Ohio public insurance adjuster's certificate of authority under ORC 3951.06?

A. $100

B. $50

C. $150

D. $250

Source: ORC 3951.06

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 MO MS NC NE NH NJ NM NV NY 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 (OH)May 2025$67,990/yr

Frequently asked questions

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

155 questions total, split into 3 full papers of 50 each with no repeats across papers.

What topics does the Claims Adjuster (Ohio) test cover?

23 domains, with the heaviest weight on Adjuster Role, Claim Process, Ethics, and Communication (16%), Auto Liability, Casualty, and Bodily Injury Claims (16%), and Investigation, Documentation, Estimating Damages, and Settlement (16%).

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

Primarily content.naic.org (77%) and ORC (13%) 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 (Ohio)?

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