Texas Statutes and Rules for Adjusters
Pearson VUE weights this area at 20%. It covers adjuster licensing under Insurance Code Chapter 4101, the commissioner's powers, Texas claim-handling law (Chapters 541 and 542 and 28 TAC §21.203), adjuster conduct and the Texas workers' compensation system. The PrepPass Texas All Lines Adjuster Study Guide gives the full statutory text, key-number tables and a Texas claim-file walkthrough.
Licensing
Anyone who adjusts or supervises claims for an insurer needs a license unless exempt. The designated home state license is only for residents of states that do not license adjusters. Emergency licenses must be certified by the fifth day of work and last up to 90 days, extendable once. Continuing education is 24 hours per period, including 3 hours of ethics, completed before expiration.
Claim-handling deadlines
For first-party claims, an insurer acknowledges, begins investigating and requests items within 15 days of written notice; accepts or rejects within 15 business days after receiving everything (30 days if arson is suspected, or 45 days after a notice of delay); and pays within 5 business days of acceptance. Violations cost 18% a year interest plus attorney's fees outside Chapter 542A actions.
Workers' compensation
Coverage is elective for most private employers; nonsubscribers lose key common-law defenses. Income benefits need disability of at least one week, accrue from day 8, and run from day 1 if disability lasts two weeks. Temporary income benefits are 70% of lost wages until maximum medical improvement. Carriers must pay or refuse within 15 days and contest compensability by day 60.
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