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Free Tennessee Public Adjuster Practice Exam Online

Official exam: Public Adjuster License (TN)

Take a free Tennessee Public Adjuster practice exam online: a full 28-question paper with every answer explained, no sign-up, scored by topic. The full 28-question bank and the timed simulator are $14.99 for 30 days.

First published: September 1, 2026Bank updated: September 2, 2026Published by CertQuestUSA · review process
TL;DR

Public Adjuster License (TN): a 28-question practice bank for the real Professional Licensing (Real Estate & Insurance) standard, 3 full papers of 28 questions each with no repeats, every question written to the regulation it comes from.

Where these questions come from

Every question in this bank cites a source -- primarily T.C.A. (100%) of this exam's citations.

Take a full practice test free. 28 real questions built to the exam's domain weights, every answer explained, no sign-up required, with a domain-by-domain score at the end.
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3
full papers, no repeats
28
questions per paper
28
questions in the bank
What this exam covers
5 real sample questions
Under Tennessee's Public Adjuster Licensing Act, what is the fundamental requirement before a person may act as a public adjuster?
A. The person must obtain a valid license from the Department of Commerce and Insurance
B. The person must complete a 40-hour training course approved by the state
C. The person must work under the supervision of a licensed insurance agent
D. The person must pass a background check conducted by the Tennessee Bureau of Investigation
Show answer and reasoning

Correct answer: A. The person must obtain a valid license from the Department of Commerce and Insurance

Training requirements may exist, but the statutory requirement in §56-6-903 is licensure itself.

  • B: Supervision under an agent is not the licensure requirement; public adjusters operate independently.
  • C: Background checks may be part of the licensing process, but are not the primary statutory requirement.
  • D: This answer correctly identifies the statutory requirement.
Source: T.C.A. § 56-6-903
According to T.C.A. § 56-6-903, what is the penalty for acting as a public adjuster without a license in Tennessee?
A. The penalty is only a $100 fine per violation, but practice may continue
B. It is prohibited; no person shall act or hold out as a public adjuster without a license
C. The person may practice for 30 days before a license must be obtained
D. The person may practice if they are supervised by a licensed adjuster
Show answer and reasoning

Correct answer: B. It is prohibited; no person shall act or hold out as a public adjuster without a license

Supervision does not substitute for licensure under the Act.

  • A: The statute explicitly prohibits unlicensed practice; there is no grace period or conditional allowance.
  • C: Penalties go beyond minor fines; the prohibition is absolute and enforcement includes civil/criminal remedies.
  • D: This option correctly states the legal provision.
Source: T.C.A. § 56-6-903
How long is a Tennessee public adjuster license valid from the date of issuance?
A. Two years
B. One year
C. Three years
D. Five years
Show answer and reasoning

Correct answer: A. Two years

Five-year terms are not the standard for public adjuster licenses in Tennessee.

  • B: This answer accurately reflects the statutory law.
  • C: Tennessee public adjuster licenses are valid for a one-year term, not two years.
  • D: Three-year licenses are not used in Tennessee's public adjuster licensing scheme.
Source: T.C.A. § 56-6-909
What is the required amount of a surety bond that all resident public adjusters must file under Tennessee law?
A. $50,000
B. $25,000
C. $100,000
D. $10,000
Show answer and reasoning

Correct answer: A. $50,000

This option is the legally accurate response.

  • B: $25,000 is less than the statutory requirement; Tennessee law specifies $50,000.
  • C: $100,000 exceeds the mandatory requirement established by statute.
  • D: $10,000 is significantly below the required surety bond amount.
Source: T.C.A. § 56-6-911
Under T.C.A. § 56-6-911, which of the following is required to file a surety bond in Tennessee?
A. Only nonresident public adjusters
B. Only public adjusters who have been licensed for more than one year
C. All resident and nonresident public adjusters
D. Only resident public adjusters
Show answer and reasoning

Correct answer: C. All resident and nonresident public adjusters

Only resident public adjusters must file a surety bond; nonresident adjusters have different requirements.

  • A: There is no distinction based on years of licensure; the requirement applies to all licensed public adjusters.
  • B: This correctly identifies the legal requirement.
  • D: Nonresident adjusters may have separate requirements under §56-6-908.
Source: T.C.A. § 56-6-911
Same exam, other states
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Real-world data for this exam
Claims Adjusters, Examiners, and Investigators: real median wage (TN)May 2025$78,010/yr

Frequently asked questions

Where can I take a free Tennessee Public Adjuster practice exam online?
Right here. CertQuestUSA's free Tennessee Public Adjuster practice exam online is a full 28-question practice paper built to the real exam's domain weights, with every answer explained, with no sign-up and no credit card, and shows your score by topic at the end. The full 28-question bank, with every answer explained and cited to the regulation it comes from, is $14.99 for a 30-day pass that never renews.
How many questions are on the CertQuestUSA Public Adjuster License (TN) practice test?
28 questions total, split into 3 full papers of 28 each with no repeats across papers.
What topics does the Public Adjuster License (TN) test cover?
2 domains, with the heaviest weight on Public Adjuster Licensing (64%), and Public Adjuster Ethics (36%).
Where do CertQuestUSA's Public Adjuster License (TN) questions come from?
Primarily T.C.A. (100%) of this bank's citations -- computed directly from this exam's own question sources, not a generic description.
Is there a free Public Adjuster License (TN) practice test?
Yes -- one full 28-question practice paper built to the exam's domain weights, free with no sign-up, with every answer explained and a domain-by-domain score at the end.
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