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The VA-PADJ exam has 55 questions and runs 1 hour.
These 10 free VA-PADJ questions are organized by exam domain, so you can see how each part of the Virginia Public Adjuster Exam blueprint is tested. Reveal the answer and explanation under each question.
A warehouse fire is reported to the insurer, and the policyholder then signs a written public-adjuster contract. Fifty-two hours after the report, the insurer commits in writing to pay the policy limit. Under Virginia law, how may the public adjuster be compensated?
Correct answer: B - Reasonable time-and-expense compensation only, after disclosing the maximum recovery
Settlement funds arrive in a public adjuster's hands before any contractor invoice or policyholder approval of completed work. What handling complies with Virginia fiduciary-fund requirements?
Correct answer: D - Deposit it in a separate noninterest-bearing trust account by the second business day; disburse within 30 days after invoice and policyholder approval
Only one reading of a policy exclusion remains objectively reasonable after the form is read as a whole and ordinary grammar is applied, even though the insured favors another reading. How should the exclusion be treated?
Correct answer: A - Enforced as written because disagreement alone does not create ambiguity
For weeks, a restaurant's rear-door lock has been broken. The owner knows this but declines to repair it, saying insurance will absorb any burglary loss. How should the condition and attitude be classified?
Correct answer: C - Broken lock: physical hazard; owner's attitude: morale hazard
The owner intentionally conceals material facts about a fire, giving the insurer a defense against the owner's claim. A lender named under the standard mortgage clause had no knowledge and timely performs every clause duty. What coverage argument is strongest for the lender?
Correct answer: C - Its independent protection may survive the owner's breach if it satisfies the clause
During an open-peril commercial property claim, the insured proves accidental direct physical damage within the policy period. The insurer invokes defective workmanship. At this stage, who bears the material burden?
Correct answer: B - The insurer, to establish the exclusion or limitation it relies upon
Wind removes several roof shingles while heavy rain continues. The loss is already reported, the roof deck is stable, power to the affected area is off, and no contamination is present. Which action now best satisfies the policyholder's post-loss duties?
Correct answer: D - Photograph the damage, arrange a reasonable temporary tarp, and keep the repair records
Replacement work is completed for $46,000 on a claim with estimated RCV of $50,000 and ACV of $35,000. The insurer already paid $33,000 after a $2,000 deductible. The policy caps total recovery at the amount actually and necessarily spent and pays recoverable depreciation after replacement. What additional payment is due?
Correct answer: A - $11,000
Coverage for wind damage is undisputed; only repair quantity and price remain contested. In appraisal, one party-appointed appraiser and the umpire sign an itemized award. What is the effect of the signed award under Virginia's standard fire-policy provision?
Correct answer: B - The amount is fixed because any two signatures are sufficient
A negligent contractor causes a $90,000 fire loss. The insurer pays $80,000, leaving the insured's $10,000 deductible unreimbursed. The contractor then offers $10,000 for a release of all claims. Before anyone signs, which step best protects the claim?
Correct answer: A - Notify the insurer and preserve its $80,000 subrogation interest
The VA-PADJ exam also covers these domains. Drill them in the full free practice test:
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