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The CT-PADJ exam has 100 questions and runs 2 hours.
These 10 free CT-PADJ questions are organized by exam domain, so you can see how each part of the Connecticut Public Adjuster Exam blueprint is tested. Reveal the answer and explanation under each question.
A Connecticut insured signs a public-adjuster employment contract on Saturday. The contract permits an agreed electronic cancellation method that provides proof of delivery. At 11:40 p.m. the following Thursday, the insured delivers a cancellation notice through that method. Which result follows?
Correct answer: A - The cancellation is timely and voids the contract from inception
An insurer sends a written settlement offer to a public adjuster. The adjuster considers it inadequate and plans to withhold it until another contractor bid is obtained. What should the adjuster do instead?
Correct answer: D - Transmit it to the client and document any client rejection on the offer
Eighteen days after a fire damages a structure insured under a fire policy, the insurer makes a written offer to pay the full $300,000 policy limit. The public adjuster's contract calls for 10%, and the measured loss is $400,000. What is the maximum fee on that settlement?
Correct answer: C - $0, because the written full-limits offer was made within 30 days
A property policy excludes wear and corrosion and the cost to repair the failed plumbing component, but it covers sudden accidental water discharge and otherwise covered ensuing damage. A corroded supply line suddenly ruptures, damaging drywall and flooring. No other exclusion applies. How should the loss be analyzed?
Correct answer: C - Exclude the failed pipe itself but cover the resulting water damage
A commercial building is valued at $1,000,000 and carries an 80% coinsurance requirement. The insured has a $600,000 limit. A covered partial loss is $200,000, the policy applies coinsurance before a $5,000 deductible, and no other limit or payment issue applies. What is the insurer's payment?
Correct answer: B - $145,000
A policy does not define actual cash value by a fixed formula. Damaged custom cabinetry is 20 years old but well maintained, and reliable evidence exists concerning replacement cost, condition, remaining utility, obsolescence, the local market, and expert appraisal. Which valuation approach best fits the broad evidence rule?
Correct answer: D - Weigh all relevant evidence of value at the time of loss
The named insured willfully conceals a material fact after a fire, voiding the insured's recovery. An innocent mortgagee is protected by a standard mortgage clause, pays a premium due after demand, and submits proof of loss within 60 days after notice of the insured's failure. Which statement is correct?
Correct answer: C - The mortgagee may retain independent protection up to its financial interest
Under an unendorsed HO-3 policy, a contractor accidentally spills paint, permanently staining an interior wall and the insured's sofa. No exclusion applies to the wall, and accidental paint spill is not one of Coverage C's named perils. Which coverage result is correct?
Correct answer: C - Cover the stained wall under Coverage A, but not the sofa under Coverage C
Following a covered fire, a bakery loses net income, continues normal rent and key payroll, and rents a temporary kitchen to reduce the shutdown. How should these amounts be classified?
Correct answer: B - Business income covers earnings and continuing expenses; temporary-kitchen rent is extra expense
During a moisture survey, a pinless meter set to a relative scale reads 80 on a stained wall and 22 on a dry, same-material control. An infrared camera shows a cooler surface pattern at the stain. What is the best interpretation?
Correct answer: A - Use them as screening evidence and confirm the area with a direct method
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