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Indiana Independent Adjuster Practice Test

Indiana Independent Adjuster Practice Test

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Questions updated at Aug 25, 2026, 8:24 PM CDT

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Today's 10 Indiana Independent Adjuster questions

Use this Indiana Independent Adjuster practice test to review Indiana Independent Insurance Adjuster. Questions rotate daily and each answer links back to the source used to write it.

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Question 1 of 10
Objective Apply independent-adjuster licensing, renewal, and discipline Indiana laws and department rules common to all lines (16%)

A Kentucky independent adjuster applies for Indiana nonresident authority. The Kentucky license is currently suspended. Which fact controls the Indiana application?

Concept tested:
Source:Indiana Department of Insurance — Non-Resident Adjuster Licensing
Question 2 of 10
Objective Investigate and document property and casualty losses Adjusting Losses (7%)

During a liability investigation, the adjuster learns that the claimant has retained an attorney. The adjuster has not obtained the attorney's consent to direct contact. What communication approach complies with IDOI duties?

Concept tested:
Question 3 of 10
Objective Analyze homeowners property and liability sections Homeowners Policies (14%)

An older home presents a replacement-cost mismatch because rebuilding with modern materials could greatly exceed the property's market value. Which standardized homeowners form is specifically identified as modified coverage for older or high-risk homes?

Concept tested:
Question 4 of 10
Objective Analyze liability, medical, physical-damage, and UM/UIM coverage Automobile - Personal Auto (8%)

A covered auto accident results in medical expenses for the insured and passengers. Which personal-auto coverage is designed to address qualifying medical expenses without being the liability coverage owed to another driver?

Concept tested:
Question 5 of 10
Objective Apply independent-adjuster licensing, renewal, and discipline Indiana laws and department rules common to all lines (16%)

An Indiana resident with no qualifying UCC credential is preparing for initial independent-adjuster licensure. The candidate asks whether self-study experience can replace the state's prelicensing requirement. What should the candidate plan to complete?

Concept tested:
Question 6 of 10
Objective Apply policy concepts and Indiana workers’ compensation rules Workers Compensation and Employers Liability (5%)

An employer learns that an employee's work injury required medical treatment beyond first aid. What reporting deadline does Indiana's workers' compensation compliance guidance place on the employer's report to its carrier?

Concept tested:
Question 7 of 10
Objective Apply exclusions, conditions, and endorsements Homeowners Policies (14%)

A homeowners policy uses a percentage deductible tied to Coverage A rather than a flat dollar deductible. What should the adjuster use as the stated basis for calculating that deductible?

Concept tested:
Question 8 of 10
Objective Apply causes of loss, conditions, and exclusions Commercial Package Policies (18%)

After a significant commercial property loss, the insured has not protected the property from additional damage or provided requested loss documentation. What should the adjuster review?

Concept tested:
Question 9 of 10
Objective Investigate and document property and casualty losses Adjusting Losses (7%)

An adjuster must send medical and financial claim records to an authorized carrier contact. Which handling principle should guide the transmission and storage of that information?

Concept tested:
Question 10 of 10
Objective Analyze homeowners property and liability sections Homeowners Policies (14%)

A visitor trips on the insured's front steps and incurs a modest emergency-room bill. The claim is presented without first establishing negligence. Which homeowners coverage should the adjuster evaluate for qualifying medical expenses to others?

Concept tested:
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The free daily Indiana Independent Adjuster set includes crawlable question text, answer choices, correct answer labels, objective mapping, and source links. Only the first SEO card includes answer explanations and any extra learning features. Pro-only bank questions stay locked; this section mirrors only the 10 free daily questions already shown on this page.

Question 1 A Kentucky independent adjuster applies for Indiana nonresident authority. The Kentucky license is currently suspended. Which fact controls the Indiana application?

Answer choices

  1. A. The applicant fails Indiana's good-standing home-state or designated-home-state licensing requirement.
  2. B. Indiana must issue the nonresident license because the applicant lives outside Indiana.
  3. C. A suspended home-state license is irrelevant if the applicant pays Indiana's application fee.
  4. D. Allow an Indiana public-adjuster bond to substitute for good-standing home-state authority because the bond demonstrates financial responsibility for claim work.

Correct answer

The applicant fails Indiana's good-standing home-state or designated-home-state licensing requirement.

IDOI requires a nonresident independent-adjuster applicant to be currently licensed in good standing as an independent adjuster in the home state or designated home state. Applied to these facts, the result is: The applicant fails Indiana's good-standing home-state or designated-home-state licensing requirement.

Wrong-answer review

  • B. Indiana must issue the nonresident license because the applicant lives outside Indiana.: “Indiana must issue the nonresident license because the applicant lives outside Indiana” is incorrect here because IDOI requires a nonresident independent-adjuster applicant to be currently licensed in good standing as an independent adjuster in the home state or designated home state.
  • C. A suspended home-state license is irrelevant if the applicant pays Indiana's application fee.: “A suspended home-state license is irrelevant if the applicant pays Indiana's application fee” is incorrect here because IDOI requires a nonresident independent-adjuster applicant to be currently licensed in good standing as an independent adjuster in the home state or designated home state.
  • D. Allow an Indiana public-adjuster bond to substitute for good-standing home-state authority because the bond demonstrates financial responsibility for claim work.: “Allow an Indiana public-adjuster bond to substitute for good-standing home-state authority because the bond demonstrates financial responsibility for claim work” is incorrect here because IDOI requires a nonresident independent-adjuster applicant to be currently licensed in good standing as an independent adjuster in the home state or designated home state.

Extra learning features

Why candidates miss this

Nonresident eligibility starts with a valid home-state/DHS license in good standing. A suspended Kentucky license fails that threshold; simply living outside Indiana does not create a right to Indiana nonresident authority. Likely wrong answer: Indiana must issue the nonresident license because the applicant lives outside Indiana. Review focus: Indiana Department of Insurance — Non-Resident Adjuster Licensing

Interview question

Q: What is the first licensing fact you check when a nonresident independent adjuster applies for Indiana authority? Strong answer: I verify that the applicant is currently licensed in good standing as an independent adjuster in the home state or designated home state and that reciprocity requirements are met. A suspended home-state license fails that gate, regardless of the applicant living outside Indiana.

  • current license in good standing
  • home state or DHS
  • reciprocity
  • suspension defeats eligibility

Caution: Nonresident status alone never guarantees Indiana authority.

Objective/domain: Indiana laws and department rules common to all lines (16%)

Source: Indiana Department of Insurance — Non-Resident Adjuster Licensing

Question 2 During a liability investigation, the adjuster learns that the claimant has retained an attorney. The adjuster has not obtained the attorney's consent to direct contact. What communication approach complies with IDOI duties?

Answer choices

  1. A. Communicate through counsel and do not deal directly with the represented claimant unless counsel consents.
  2. B. Continue direct settlement calls because independent adjusters are exempt from representation restrictions.
  3. C. Explain the policy and likely settlement consequences directly to the claimant first because efficient claim communication takes priority over contacting the claimant's attorney.
  4. D. Stop documenting the claim because representation eliminates the adjuster's recordkeeping duties.

Correct answer

Communicate through counsel and do not deal directly with the represented claimant unless counsel consents.

Objective/domain: Adjusting Losses (7%)

Source: Indiana Department of Insurance — Independent Adjuster Duties and Responsibilities

Question 3 An older home presents a replacement-cost mismatch because rebuilding with modern materials could greatly exceed the property's market value. Which standardized homeowners form is specifically identified as modified coverage for older or high-risk homes?

Answer choices

  1. A. HO-8.
  2. B. HO-4.
  3. C. HO-6.
  4. D. DP-2.

Correct answer

HO-8.

Objective/domain: Homeowners Policies (14%)

Source: NAIC — Homeowners Market Data Call Policy-Form Definitions

Question 4 A covered auto accident results in medical expenses for the insured and passengers. Which personal-auto coverage is designed to address qualifying medical expenses without being the liability coverage owed to another driver?

Answer choices

  1. A. Medical payments coverage.
  2. B. Property damage liability coverage.
  3. C. Collision coverage.
  4. D. Comprehensive coverage.

Correct answer

Medical payments coverage.

Objective/domain: Automobile - Personal Auto (8%)

Source: NAIC — Auto Insurance

Question 5 An Indiana resident with no qualifying UCC credential is preparing for initial independent-adjuster licensure. The candidate asks whether self-study experience can replace the state's prelicensing requirement. What should the candidate plan to complete?

Answer choices

  1. A. An Indiana-approved 40-hour prelicensing education program before completing the remaining initial-licensing steps.
  2. B. Complete 24 hours of continuing education after the license is issued because post-license education can substitute for the initial prelicensing requirement.
  3. C. A 20-hour property course plus a separate 20-hour casualty producer course.
  4. D. No formal education because Indiana tests independent adjusters solely through carrier appointment records.

Correct answer

An Indiana-approved 40-hour prelicensing education program before completing the remaining initial-licensing steps.

Objective/domain: Indiana laws and department rules common to all lines (16%)

Source: Indiana Department of Insurance — Resident Independent Adjuster Licensing Requirements

Question 6 An employer learns that an employee's work injury required medical treatment beyond first aid. What reporting deadline does Indiana's workers' compensation compliance guidance place on the employer's report to its carrier?

Answer choices

  1. A. The employer should report the injury to its insurance carrier within seven days after learning of the qualifying injury.
  2. B. The employer may wait until the employee returns to full duty.
  3. C. The employer has 90 days to notify the carrier after any workplace injury because the reporting period does not begin until the injury's severity is established.
  4. D. The employer reports only fatal injuries; all other injuries are reported by the employee directly to the Board.

Correct answer

The employer should report the injury to its insurance carrier within seven days after learning of the qualifying injury.

Objective/domain: Workers Compensation and Employers Liability (5%)

Source: Indiana Worker's Compensation Board — Compliance

Question 7 A homeowners policy uses a percentage deductible tied to Coverage A rather than a flat dollar deductible. What should the adjuster use as the stated basis for calculating that deductible?

Answer choices

  1. A. Use a percentage of the claimant's annual household income because a percentage deductible should reflect the insured's ability to absorb part of the loss.
  2. B. A percentage of the final contractor invoice regardless of Coverage A.
  3. C. The specified percentage of the policy's Coverage A amount, as provided by the policy.
  4. D. A percentage of the home's property-tax assessment.

Correct answer

The specified percentage of the policy's Coverage A amount, as provided by the policy.

Objective/domain: Homeowners Policies (14%)

Source: NAIC — Homeowners Market Data Call Policy-Form Definitions

Question 8 After a significant commercial property loss, the insured has not protected the property from additional damage or provided requested loss documentation. What should the adjuster review?

Answer choices

  1. A. Ignore policy conditions because only the insuring agreement can affect a claim.
  2. B. Deny solely because the repair estimate is large, without addressing any condition.
  3. C. The policy's duties-after-loss and other loss conditions, while documenting what the insured did and what information remains outstanding.
  4. D. Use the CGL aggregate to satisfy first-party property conditions.

Correct answer

The policy's duties-after-loss and other loss conditions, while documenting what the insured did and what information remains outstanding.

Objective/domain: Commercial Package Policies (18%)

Source: Indiana Court of Appeals — Property-Owners Insurance v. Grandview One

Question 9 An adjuster must send medical and financial claim records to an authorized carrier contact. Which handling principle should guide the transmission and storage of that information?

Answer choices

  1. A. Post the records to a public file-sharing link so every vendor can access them without credentials.
  2. B. Share the records only with adjusters who routinely handle similar claims, even if they are outside the assignment, because professional status is sufficient authorization.
  3. C. Use methods that comply with applicable privacy and information-security laws and restrict claim information to authorized handling purposes.
  4. D. Keep no record of where the information was sent because privacy rules prohibit claim documentation.

Correct answer

Use methods that comply with applicable privacy and information-security laws and restrict claim information to authorized handling purposes.

Objective/domain: Adjusting Losses (7%)

Source: Indiana Department of Insurance — Independent Adjuster Duties and Responsibilities

Question 10 A visitor trips on the insured's front steps and incurs a modest emergency-room bill. The claim is presented without first establishing negligence. Which homeowners coverage should the adjuster evaluate for qualifying medical expenses to others?

Answer choices

  1. A. Coverage A dwelling coverage.
  2. B. Coverage C personal-property coverage.
  3. C. Medical payments coverage.
  4. D. Loss-of-use coverage.

Correct answer

Medical payments coverage.

Objective/domain: Homeowners Policies (14%)

Source: NAIC — Homeowners Insurance

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