Free Oklahoma Adjuster License Practice Test Online

Correct answer: B. Handle only claims connected to the declared catastrophe event

Correct. The emergency adjuster license is limited to claims arising from the declared catastrophe for which it was issued.

• A: Incorrect. The emergency license is scoped to the catastrophe, not a general grant of authority to handle unrelated claims.
• C: Incorrect. An adjuster license, emergency or otherwise, authorizes claim adjusting, not the sale of insurance policies, which requires a producer license.
• D: Incorrect. The emergency license is temporary and catastrophe-specific, not equivalent to a standard resident adjuster license.

Correct answer: A. Online through the National Insurance Producer Registry (NIPR); paper applications are not accepted

Correct. The Oklahoma Insurance Department's licensing guidance states that applications must be submitted online through NIPR and that paper applications are not accepted.

• B: Incorrect. OID does not accept mailed paper applications for new licenses; the online NIPR channel is required.
• C: Incorrect. In-person filing is not how OID processes new license applications; it is an online process.
• D: Incorrect. Fax submission is not an accepted method for filing a new Oklahoma adjuster or producer license application.

Correct answer: C. A current, active Oklahoma adjuster license

Correct. Section 6216 addresses the powers of an adjuster and requires a current license as the condition for referring a claim.

• A: Incorrect. Referrals do not require individual Commissioner sign-off; the statute conditions referral authority on holding a current license.
• B: Incorrect. There is no fixed years-of-experience threshold tied to referral authority under this section.
• D: Incorrect. There is no distinct 'referral license'; referral authority flows from holding a current adjuster license generally, not a license type reserved to public adjusters.

Correct answer: A. Oklahoma requires a license for staff (company) adjusters, independent adjusters, and public adjusters alike

Correct. The Oklahoma Insurance Department lists 'Insurance Adjuster (Independent and/or Staff)' and 'Public Insurance Adjuster' as separate license types, meaning both insurer-side and policyholder-side adjusters must be licensed in Oklahoma.

• B: This describes some other states' schemes, not Oklahoma's. Oklahoma does not carve out an exemption for staff or independent adjusters working for insurers.
• C: Oklahoma does not exempt staff adjusters from licensure; the Insurance License Types page lists them alongside independent adjusters under a single adjuster license category.
• D: There is no dollar-value threshold in Oklahoma's adjuster licensing scheme that exempts smaller claims from licensure.

Correct answer: B. A resident insurance adjuster license, since Oklahoma licenses staff (company) adjusters on the same basis as independent adjusters

Correct. The Oklahoma Insurance Department's own license-type description defines a staff adjuster as an employee of a property and casualty insurer who settles claims, and requires that person to hold an Insurance Adjuster license.

• A: Incorrect. Oklahoma does not exempt staff adjusters whose primary job duty is adjusting; the exemption in 36 O.S. § 6203 applies to employees whose primary duties are NOT adjusting.
• C: Incorrect. A public adjuster license is for someone hired by and representing the policyholder against the insurer, not a company employee working for the insurer.
• D: Incorrect. A producer license authorizes selling and soliciting insurance; it does not authorize adjusting claims.