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All-Lines Insurance Adjuster Exam (Texas and Florida 6-20)

Claims law (TX): practice questions

Our Insurance adjuster (all lines) bank has 17 questions on this topic. Here are 5 of them with answers; the full mock exam draws from every topic, like the real one.

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Question 1 · Texas

After receiving all items, statements and forms required to secure final proof of loss, a Texas insurer must accept or reject the claim in writing within:

  1. 5 business days
  2. 30 calendar days
  3. 60 calendar days
  4. 15 business days
Show the answer

D. 15 business days — TIC 542.056(a).

Question 2 · Texas

If a Texas insurer reasonably believes a loss resulted from arson, how long does it have to accept or reject the claim after receiving the required items?

  1. 30 days
  2. 15 business days
  3. 45 days
  4. 90 days
Show the answer

A. 30 days — TIC 542.056(b).

Question 3 · Texas

In Texas, when a weather-related catastrophe or major natural disaster is declared, the prompt payment claim deadlines are:

  1. Extended by an additional 15 days
  2. Suspended indefinitely
  3. Shortened by 5 days
  4. Unchanged; catastrophes never affect deadlines
Show the answer

A. Extended by an additional 15 days — TIC 542.059(b).

Question 4 · Texas

If a Texas insurer acknowledges a claim by phone rather than in writing, it must:

  1. Follow up in writing within 24 hours
  2. Have the claimant sign a form
  3. Record the date, manner and content
  4. Do nothing further
Show the answer

C. Record the date, manner and content — TIC 542.055(c).

Question 5 · Texas

Under the Texas prompt payment law, within how many days after receiving notice of a claim must an insurer acknowledge it, begin any investigation and request needed information?

  1. 5 days
  2. 15 days
  3. 30 days
  4. 45 days
Show the answer

B. 15 days — TIC 542.055(a): not later than the 15th day (30th business day for eligible surplus lines insurers).

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