Georgia Insurance Adjuster Course Notes

This 48% domain is the exam's center of gravity. The task is not memorizing product names in isolation; it is matching the damaged property, claimant, cause, location, policy form, valuation rule, and time sequence to the correct coverage part and then applying exclusions, conditions, deductibles, limits, and endorsements.

• Treating a BOP/CPP as one coverage instead of multiple coverage parts.

• Use the five-question filter: What property/person? What cause? What location/use? What form/endorsement? What valuation/limit?

This 23% domain is the vocabulary-and-application foundation of the exam. Know what each insurance term means, but more importantly know which term controls a claim fact: what caused the loss, what increased its likelihood, what valuation applies, what limit/deductible changes payment, and whether the issue is first-party property or third-party liability.

• Calling a hazard the peril that actually caused the loss.

• On calculation items, write the order: valuation → policy condition → deductible → limit/sublimit, unless the stem gives a different sequence.

This 15% domain tests policy architecture and claim procedure. Read the policy as an integrated contract: identify the coverage grant, apply definitions, exclusions, conditions, and endorsements, then follow the specific post-loss duties and settlement provisions. Sequence matters.

• Starting with exclusions before establishing that the loss falls within the coverage grant.

• Use G-D-E-C-E: Grant, Definitions, Exclusions, Conditions, Endorsements.

This 9% domain tests whether the adjuster can turn raw claim facts into a complete, objective, usable report. A strong report separates facts from conclusions, ties every recommendation to the policy and evidence, preserves chronology, identifies all potentially responsible parties, and distinguishes direct physical damage from consequential/time-element loss.

• Using only a generic description such as 'storm damage' when multiple causes occurred.

• Use P-D-P-C-E-V: Policy, Dates, Parties, Cause, Evidence, Valuation.

Georgia-specific law is only 5% of the outline, but it is high-value because the answer often turns on a precise state rule. Know the Commissioner's role, licensing authority, unfair-claims framework, residual-market/guaranty programs, financial-responsibility concepts, and the difference between cancellation and nonrenewal. Do not overgeneralize Rule 120-2-52: it specifically governs first-party property damage claims under personal private-passenger motor vehicle policies.

• Applying Rule 120-2-52 to every first-party property claim in Georgia.

• When a Georgia statute/rule is named, answer from its scope and procedure—not from a generic industry norm.