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Texas All Lines Adjuster License Exam Cheat Sheet (2026)
A free, printable Texas All Lines Adjuster License exam cheat sheet: the 19 highest-yield points to know, grouped into 3 sections that follow the exam's content areas, each section with its published weight.
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- The real Texas All Lines Adjuster License exam: 150 questions · 150 minutes.
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- 100 free Texas All Lines Adjuster License practice questions on the same material, every one explained.
- Last updated: September 2026.
Studying in order?
Practice stays free. The full Texas All Lines Adjuster License Exam study guide is the material itself, taught start to finish — a downloadable PDF + EPUB you keep.
General Property and Casualty Product Knowledge
40% of the exam- Proof of loss
- Signed and sworn, within 60 days after the loss unless extended in writing (New York Insurance Law §3404 standard fire policy).
- Appraisal
- Each side names an appraiser within 20 days of a written demand; an award of any two sets the amount of loss, not coverage.
- Texas valued policy law
- A total loss by fire of insured real property is a liquidated demand for the full policy amount (Insurance Code §862.053).
- Flood waiting period
- Most flood policies have a 30-day waiting period (TDI).
- Additional living expenses
- Pays only the extra cost of living elsewhere; TDI's glossary says policies cap it at 20% of dwelling coverage.
- Minimum limits
- $30,000 per person, $60,000 per accident bodily injury, $25,000 property damage (Transportation Code §601.072).
- UM burden
- The insurer bears the burden of proving a vehicle is uninsured (Insurance Code §1952.109).
- Coinsurance
- Payment = insurance carried ÷ insurance required × loss, less deductible.
- General average
- A voluntary sacrifice for the common safety is shared by all interests in proportion to value.
Insurance Terms and Related Concepts
40% of the exam- Indemnity
- Restore the insured to the pre-loss financial position, not better.
- Cancellation
- A permitted Texas cancellation takes effect no earlier than the 10th day after the notice is mailed (Insurance Code §551.104).
- Nonrenewal
- Written notice at least 60 days before expiration (Insurance Code §551.105, as amended effective Sept. 1, 2023).
- Exemplary damages
- Awarded only on clear and convincing evidence (Civil Practice and Remedies Code §41.003).
Texas Statutes and Rules for Adjusters
20% of the exam- Exam
- InsTX-ALAdj16, 150 questions, 150 minutes, $49; apply within 12 months of passing.
- Expired license
- Up to 90 days: renew with late fee; 90 days to 1 year: new application without exam; 1 year or more: retake the exam.
- Catastrophe
- Deadlines extend by 15 days after a declared weather-related catastrophe (Insurance Code §542.059).
- Tax returns
- May be required only by court order or for fire or loss-of-income claims (Insurance Code §542.004).
- FY2027 caps
- Maximum weekly TIB $1,314, minimum $197 for injuries from Oct. 1, 2026 through Sept. 30, 2027 (TDI Division of Workers' Compensation).
- Death and burial
- Death benefits 75% of average weekly wage; burial up to $10,000.
Now prove you know them
Reading an outline is not the same as recalling it under exam pressure. Drill the free Texas All Lines Adjuster License questions to find the areas you keep missing, then sit a full timed mock.
Study aid, not a substitute for the official material — always confirm the current rule with Texas Department of Insurance (TDI).