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Texas Adjuster Practice Test

Six original questions. Choose your answers, see the explanation, and turn each miss into a focused review step.

Reviewed September 2026 · Exam outline effective September 1, 2026

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Practice identifying the controlling fact, distinguishing plausible alternatives, and explaining the rule. There is no timer and no account requirement. Questions are original educational material, not recalled Pearson VUE content.

For exams on or after September 1, 2026. If your exam is scheduled earlier, use the outline that applies to your exam date. This is not a comprehensive simulation or readiness certification. Answers are graded on the server after you submit; no official exam score is inferred.

Question 1 of 6An adjuster licensed in Texas is asked by a homeowner to negotiate with the homeowner’s own insurer for a percentage of the additional recovery obtained. Which statement best describes the regulatory position of this activity?
Question 2 of 6A business owner seeks reimbursement for profit lost when a supplier failed to deliver goods. The commercial property policy promises payment for direct physical loss to covered property. Where does the analysis end?
Question 3 of 6A roof with a replacement cost of $18,000 is destroyed. The roof was well into its expected service life, and depreciation is determined to be $6,000. The policy settles on an actual cash value basis, the applicable limit is $40,000, and the deductible is $2,000. What is the amount payable?
Question 4 of 6A store leaves a spill unattended in one aisle. A customer in a different, dry aisle trips over their own untied shoelace and is injured. Which negligence element most clearly fails?
Question 5 of 6During the first call on a new property loss, the insured asks whether the claim will be covered. The adjuster has only the reported facts. What is the most appropriate response?
Question 6 of 6A question describes a covered loss in detail and then asks what the adjuster should do first. Two options describe correct actions and two describe incorrect ones. What determines the answer?

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For exams on or after September 1, 2026. If your exam is scheduled earlier, use the outline that applies to your exam date. Texas Exam Academy is independent exam preparation and is not affiliated with or approved by the Texas Department of Insurance or Pearson VUE. Verify current eligibility, fees, forms, and requirements with the responsible authority.