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Indiana Independent Adjuster Examination — Information & Free Practice

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Indiana Independent Adjuster Examination

Examination outline
  • INDIANA LAWS AND DEPARTMENT RULES COMMON TO ALL LINES OF INSURANCE
    • Department of Insurance
    • Department of Insurance / Insurance Commissioner
    • Department of Insurance / Insurance Commissioner / Appointment by Governor
    • Department of Insurance / Insurance Commissioner / Member of National Association of Insurance Commissioners (NAIC)
    • Department of Insurance / Insurance Commissioner / Powers
    • Department of Insurance / Insurance Commissioner / Duties
    • Department of Insurance / Admission of Insurance Companies
    • Department of Insurance / Admission of Insurance Companies / Certificate of Authority
    • Department of Insurance / Admission of Insurance Companies / Admitted versus non-admitted companies
    • Department of Insurance / Insurance Guaranty Associations
    • Department of Insurance / Insurance Guaranty Associations / Purpose
    • Department of Insurance / Surplus Lines Companies
    • Licensing Regulations
    • Licensing Regulations / Qualifications
    • Licensing Regulations / Resident and Non-Resident
    • Licensing Regulations / Reciprocity
    • Licensing Regulations / Process
    • Licensing Regulations / Examination
    • Licensing Regulations / Fees
    • License Renewal
    • License Renewal / Change of Contact Information
    • License Renewal / Renewal Application and Fee
    • License Renewal / Electronic Process
    • License Renewal / Reinstatement Fee
    • License Renewal / Continuing Education
    • Disciplinary Actions
    • Disciplinary Actions / Cease and Desist Order
    • Disciplinary Actions / Violations
    • Disciplinary Actions / Suspension and Revocation
    • Disciplinary Actions / Penalties
    • Disciplinary Actions / Administrative Hearings
    • Unfair Claim Settlement Practices
    • Unfair Trade Practices
    • Unfair Trade Practices / Misrepresentation
    • Unfair Trade Practices / False information and advertising
    • Unfair Trade Practices / Rebates and kickbacks
    • Unfair Trade Practices / Defamation
    • Unfair Trade Practices / Boycott
    • Unfair Trade Practices / Coercion
    • Unfair Trade Practices / Intimidation
    • Federal Regulation
    • Federal Regulation / Fraud and False Statements (including 1033 Waiver)
  • INSURANCE BASICS
    • Contract Law
    • Contract Law / Elements of Contract
    • Contract Law / Legal Interpretations
    • Contract Law / Legal Interpretations / Ambiguities in a Contract of Adhesion
    • Contract Law / Legal Interpretations / Reasonable Expectations
    • Contract Law / Legal Interpretations / Utmost Good Faith
    • Insurance Contract Basics
    • Insurance Contract Basics / Indemnity
    • Insurance Contract Basics / Representations, Misrepresentations and Concealment
    • Insurance Contract Basics / Warranties
    • Insurance Contract Basics / Fraud
    • Insurance Contract Basics / Waiver (Express and implied)
    • Insurance Contract Basics / Estoppel
    • Insurance Concepts
    • Insurance Concepts / Insurable Interest
    • Insurance Concepts / Risk (pure vs. speculative)
    • Insurance Concepts / Loss
    • Insurance Concepts / Loss / Direct
    • Insurance Concepts / Loss / Indirect (consequential)
    • Insurance Concepts / Negligence
    • Insurance Concepts / Negligence / Duty
    • Insurance Concepts / Negligence / Breach of duty
    • Insurance Concepts / Negligence / Proximate cause
    • Insurance Concepts / Negligence / Damages
    • Insurance Concepts / Negligence / Damages / Compensatory
    • Insurance Concepts / Negligence / Damages / Punitive
    • Insurance Concepts / Property
    • Insurance Concepts / Casualty
    • Insurance Concepts / Casualty / Strict Liability
    • Insurance Concepts / Casualty / Vicarious Liability
    • Insurance Concepts / Two and Three Party Contracts
    • Insurance Concepts / Limit of Liability/Company pays lower of loss or limit
    • Insurance Concepts / Named Insured
    • Insurance Concepts / Causes of Loss (Perils)
    • Insurance Concepts / Causes of Loss (Perils) / Basic
    • Insurance Concepts / Causes of Loss (Perils) / Broad
    • Insurance Concepts / Causes of Loss (Perils) / Special
    • Insurance Concepts / Named Peril versus Special (Open) Perils
    • Insurance Concepts / Blanket versus Special Coverage
    • Insurance Concepts / Loss Valuation
    • Insurance Concepts / Loss Valuation / Actual Cash Value
    • Insurance Concepts / Loss Valuation / Replacement Cost
    • Insurance Concepts / Loss Valuation / Functional Replacement Cost
    • Insurance Concepts / Loss Valuation / Fair Market Value
    • Insurance Concepts / Loss Valuation / Agreed Value
    • Insurance Concepts / Loss Valuation / Stated Value
    • Insurance Concepts / Loss Valuation / Salvage Value
    • Insurance Concepts / Bailment/Care, Custody, Control
    • Insurance Concepts / Occurrence
    • Insurance Concepts / Mortgagee rights
    • Insurance Concepts / Reinsurance
    • Insurance Concepts / Underwriting
    • Policy Structure
    • Policy Structure / Declarations
    • Policy Structure / Definitions
    • Policy Structure / Insuring Agreement
    • Policy Structure / Additional Coverage
    • Policy Structure / Extensions of Coverage
    • Policy Structure / Endorsements
    • Policy Structure / Conditions
    • Policy Structure / Exclusions
    • Common Policy Provisions
    • Common Policy Provisions / Insured (Named, First Named, Additional Insured(s))
    • Common Policy Provisions / Policy Period
    • Common Policy Provisions / Policy Territory
    • Common Policy Provisions / Cancellation and Renewal
    • Common Policy Provisions / Coinsurance
    • Common Policy Provisions / Deductibles
    • Common Policy Provisions / Deductibles / Flat
    • Common Policy Provisions / Deductibles / Percentage
    • Common Policy Provisions / Deductibles / Overlapping
    • Common Policy Provisions / Other Insurance
    • Common Policy Provisions / Other Insurance / Nonconcurrency
    • Common Policy Provisions / Other Insurance / Primary and Excess
    • Common Policy Provisions / Other Insurance / Pro Rata
    • Common Policy Provisions / Policy Limits
    • Common Policy Provisions / Restoration/Nonreduction of Limits
    • Common Policy Provisions / Vacancy or Unoccupancy
    • Common Policy Provisions / Liberalization
    • Common Policy Provisions / Third Party Provisions
    • Common Policy Provisions / Third Party Provisions / Mortgage Clause
    • Common Policy Provisions / Third Party Provisions / Loss Payable Clause
    • Common Policy Provisions / Third Party Provisions / No Benefit to Bailee
  • PERSONAL LINES REGULATIONS
    • Claims
    • Claims / Auto claims
    • Automobile Insurance
    • Automobile Insurance Assigned Risk Program (AIP)
    • Mine Subsidence
  • DWELLING POLICIES
    • Characteristics and Purpose
    • Coverage Forms
    • Coverage Forms / DP-1 Basic
    • Coverage Forms / DP-2 Broad
    • Coverage Forms / DP-3 Special
    • Property Coverages
    • Property Coverages / Coverage A – Dwelling
    • Property Coverages / Coverage B – Other Structures
    • Property Coverages / Coverage C – Personal Property
    • Property Coverages / Coverage D – Fair Rental Value
    • Property Coverages / Coverage E – Additional Living Expenses
    • Conditions
    • Exclusions
  • HOMEOWNERS POLICIES
    • Coverage Forms
    • Coverage Forms / HO-2 Broad Form
    • Coverage Forms / HO-3 Special Form
    • Coverage Forms / HO-4 Tenant (Contents) Form
    • Coverage Forms / HO-5 Comprehensive Form
    • Coverage Forms / HO-6 Condominium Unit Owners Form
    • Coverage Forms / HO-8 Modified Coverage Form
    • Definitions
    • Definitions / Resident Premises
    • Definitions / Named Insured
    • Definitions / Family Member/Relative
    • Section I – Property Coverages
    • Section I – Property Coverages / Coverage A – Dwelling
    • Section I – Property Coverages / Coverage B – Other Structures
    • Section I – Property Coverages / Coverage C – Personal Property
    • Section I – Property Coverages / Coverage D – Loss of Use
    • Perils Insured Against (Basic, Broad, Special)
    • Section II – Liability
    • Section II – Liability / Coverage E – Personal Liability
    • Section II – Liability / Coverage F – Medical payments
    • Conditions
    • Exclusions
    • Exclusions / Flood (National Flood Insurance Program (NFIP))
    • Exclusions / Flood (National Flood Insurance Program (NFIP)) / Eligibility
    • Exclusions / Wear/Tear
    • Exclusions / Mechanical Breakdown
    • Exclusions / Animals, Birds and Pets
    • Exclusions / Motor Vehicles
    • Exclusions / Earth Movement
    • Exclusions / Freezing of Pipes
    • Selected Endorsements
    • Selected Endorsements / Earthquake
    • Selected Endorsements / Water Back-Up and Sump Pump Failure
    • Selected Endorsements / Building Ordinance and Law
    • Selected Endorsements / Incidental business in home
    • Selected Endorsements / Equipment Breakdown
    • Boatowners
  • Automobile: Personal Auto
    • Liability
    • Liability / Bodily Injury
    • Liability / Property Damage
    • Liability / Split Limits
    • Liability / Combined Single Limit
    • Medical Payments
    • Physical Damage (collision; other than collision; specified perils)
    • Uninsured motorists
    • Underinsured motorists
    • Who is an insured
    • Who is an insured / Named Insured
    • Who is an insured / Family Member
    • Who is an insured / Those using with permission
    • Types of Auto
    • Types of Auto / Owned
    • Types of Auto / Non-owned
    • Types of Auto / Hired
    • Types of Auto / Temporary Substitute
    • Types of Auto / Newly Acquired Autos
    • Types of Auto / Transportation Expense and Rental Reimbursement Expense
    • Exclusions
    • Individual Insured and Drive Other Car (DOC)
  • COMMERCIAL GENERAL LIABILITY
    • Exposures
    • Exposures / Premises and Operations
    • Exposures / Products and Completed Operations
    • Coverage
    • Coverage / Coverage A: Bodily Injury and Property Damage Liability
    • Coverage / Coverage A: Bodily Injury and Property Damage Liability / Occurrence
    • Coverage / Coverage A: Bodily Injury and Property Damage Liability / Claims made
    • Coverage / Coverage A: Bodily Injury and Property Damage Liability / Claims made / Retroactive date
    • Coverage / Coverage B: Personal Injury and Advertising Injury
    • Coverage / Coverage C: Medical Payments
    • Coverage / Supplemental Payments
    • Coverage / Who is an insured
    • Coverage / Limits
    • Coverage / Limits / Per occurrence
    • Coverage / Limits / Annual Aggregate
    • Coverage / Damage to Property of Others
    • Coverage / Damage to Property of Others / Fire Legal Liability
    • Professional Liability
    • Professional Liability / Errors and Omissions
    • Professional Liability / Medical Malpractice
    • Professional Liability / Directors and Officers (D&O)
    • Professional Liability / Employment Practices Liability (EPLI)
    • Professional Liability / Cyber liability and data breach
  • WORKERS COMPENSATION INSURANCE, EMPLOYERS LIABILITY INSURANCE, AND RELATED ISSUES
    • Standard policy concepts
    • Standard policy concepts / Who is an employee/employer
    • Standard policy concepts / Compensation
    • Work-related vs. non-work-related
    • Other states’ insurance
    • Employers Liability
    • Exclusive remedy
    • Premium Determination
    • Indiana Worker’s Compensation Regulations
    • Indiana Worker’s Compensation Regulations / Benefits
    • Indiana Worker’s Compensation Regulations / Who Must Be Insured/Is Not Required to Be Insured
    • Indiana Worker’s Compensation Regulations / Minors
    • Indiana Worker’s Compensation Regulations / Second Injury Fund
    • Indiana Worker’s Compensation Regulations / Assigned Risk Plan
  • COMMERCIAL PACKAGE POLICIES
    • Components
    • Components / Common Policy Declarations
    • Components / Common Policy Conditions
    • Components / One or More Coverage Parts
    • Components / Liability and Medical Payments
    • Commercial Property
    • Commercial Property / Property Conditions Form
    • Commercial Property / Coverage Forms
    • Commercial Property / Coverage Forms / Building, Personal Property, Personal Property of Others
    • Commercial Property / Coverage Forms / Business Income
    • Commercial Property / Coverage Forms / Extra Expense
    • Commercial Property / Cause of Loss Forms
    • Commercial Property / Cause of Loss Forms / Basic
    • Commercial Property / Cause of Loss Forms / Broad
    • Commercial Property / Cause of Loss Forms / Special
    • Commercial Liability
    • Professional and Products Liability
    • Umbrella or Excess Liability
    • Commercial Inland Marine
    • Commercial Inland Marine / Definition and Purpose
    • Ocean Marine
    • Farm Coverage
    • Farm Coverage / Farm Property Coverage Forms
    • Farm Coverage / Farm Property Coverage Forms / Coverage A – Dwelling
    • Farm Coverage / Farm Property Coverage Forms / Coverage B – Other Structures
    • Farm Coverage / Farm Property Coverage Forms / Coverage C – Personal Property
    • Farm Coverage / Farm Property Coverage Forms / Coverage D – Loss of Use
    • Farm Coverage / Farm Property Coverage Forms / Coverage E – Scheduled Farm Personal Property
    • Farm Coverage / Farm Property Coverage Forms / Coverage F – Unscheduled Farm Personal Property
    • Farm Coverage / Farm Property Coverage Forms / Coverage G – Other Farm Structures
    • Farm Coverage / Farm Property Coverage Forms / Coverage H - Bodily Injury & property damage
    • Farm Coverage / Farm Property Coverage Forms / Coverage I - Personal & Advertising Injury
    • Farm Coverage / Farm Property Coverage Forms / Coverage J - Medical Payments
    • Farm Coverage / Causes of Loss (Basic, Broad, Special)
    • Farm Coverage / Crop-Hail Insurance versus Multi-Peril Crop Insurance
    • Farm Coverage / Conditions
    • Farm Coverage / Exclusions
  • BUSINESSOWNERS POLICY (BOP)
    • Definition and use
  • COMMERCIAL AUTO
    • Who is insured
    • Types of vehicles
    • Garage Coverage Form, including Garagekeepers Insurance
  • ADJUSTING LOSSES
    • Role of the Adjuster
    • Role of the Adjuster / Duties and Responsibilities
    • Role of the Adjuster / Public Adjuster
    • Role of the Adjuster / Independent Adjuster
    • Role of the Adjuster / Staff Adjuster
    • Role of the Adjuster / Relationship to the Legal Profession
    • Property and Casualty
    • Property and Casualty / Insured’s Duties Following a Loss
    • Property and Casualty / Insured’s Duties Following a Loss / Notice
    • Property and Casualty / Insured’s Duties Following a Loss / Minimizing Loss
    • Property and Casualty / Insured’s Duties Following a Loss / Proof of Loss
    • Property and Casualty / Insured’s Duties Following a Loss / Books and Records
    • Property and Casualty / Insured’s Duties Following a Loss / Abandonment
    • Property and Casualty / Claims Investigation Process and Procedures
    • Property and Casualty / Claims Investigation Process and Procedures / Critical Evidence
    • Property and Casualty / Claims Investigation Process and Procedures / Other Evidence
    • Property and Casualty / Claims Investigation Process and Procedures / Official Reports
    • Property and Casualty / Claims Investigation Process and Procedures / Written and Audio Statements
    • Property and Casualty / Determining Value and Loss
    • Property and Casualty / Determining Value and Loss / Burden of Proof of Loss and of Value
    • Property and Casualty / Determining Value and Loss / Estimates
    • Property and Casualty / Determining Value and Loss / Depreciation
    • Property and Casualty / Determining Value and Loss / Salvage
    • Property and Casualty / Claim Settlement Options/Releases
    • Property and Casualty / Payment and Discharge
    • Property and Casualty / Claims Adjustment Procedures
    • Property and Casualty / Claims Adjustment Procedures / Dispute Resolution
    • Property and Casualty / Claims Adjustment Procedures / Dispute Resolution / Appraisal
    • Property and Casualty / Claims Adjustment Procedures / Dispute Resolution / Arbitration
    • Property and Casualty / Claims Adjustment Procedures / Dispute Resolution / Litigation
    • Property and Casualty / Liability
    • Types of Adjuster Reports
    • Types of Adjuster Reports / Initial/Field Report
    • Types of Adjuster Reports / Interim Report
    • Types of Adjuster Reports / Full Report
  • BUILDING CONSTRUCTION
    • Construction Styles, Materials, Measurements and Components
    • Construction Styles, Materials, Measurements and Components / Roofing/Siding
    • Construction Styles, Materials, Measurements and Components / Framing
    • Construction Styles, Materials, Measurements and Components / Foundations
    • Construction Styles, Materials, Measurements and Components / Flooring
    • Construction Styles, Materials, Measurements and Components / Mechanical (e.g., Plumbing, Heating, Electrical)
    • Construction Styles, Materials, Measurements and Components / Water, Smoke and Fire Remediation
    • Construction Styles, Materials, Measurements and Components / Debris Removal
    • Construction Types
    • Construction Types / Stick-Built
    • Construction Types / Pre-Fabrication
    • Construction Types / Manufactured
    • Endorsements
    • Endorsements / Actual Cash Value Endorsement
    • Endorsements / Actual Cash Value Endorsement / Recoverable versus Non-Recoverable Depreciation
    • Endorsements / Matching Endorsement
    • Endorsements / Common Construction Endorsement
    • Endorsements / Amendatory Debris Removal
    • Building Codes and Code Enforcement
Examination sources

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