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The WIPA exam has 35 questions and runs 1 hour.
These 10 free WIPA questions are organized by exam domain, so you can see how each part of the Wisconsin Public Adjuster Exam blueprint is tested. Reveal the answer and explanation under each question.
A public adjuster licensed and in good standing in Illinois has passed that state's written public-adjuster examination. Before handling a Wisconsin homeowner's first-party fire claim, the adjuster must:
Correct answer: B - Register in Wisconsin; the accepted home-state exam may satisfy testing
An insured signs a Public Adjuster Contract on Wednesday. There are no holidays. The insured personally serves a cancellation notice at the adjuster's listed business address the following Wednesday. The cancellation is:
Correct answer: D - Timely; personal service on the fifth business day is permitted
A public adjuster signs a 10% contingent-fee contract after a governor-declared catastrophe. Four business days after the insured reports the loss, the insurer commits in writing to pay the policy limit. What compensation may the adjuster receive?
Correct answer: C - Only a reasonable hourly rate for time spent on the claim
At 7:45 p.m., 14 hours after a house fire, officials have declared the scene safe and the loss-producing occurrence has ended. A public adjuster wants to approach the owner. Under Wisconsin's first-24-hour rule:
Correct answer: A - Solicitation is allowed if all other rules are met
An insurer receives a claim communication and all policy-required proof, then waits 12 consecutive days to respond without good cause. Its response states that it has documented reasonable proof the policy was canceled before the loss. Which assessment is most accurate?
Correct answer: B - The response is late; reasonable proof prevents overdue status
An insured owns and occupies a house primarily as a dwelling. It is wholly destroyed by an accidental fire, with no criminal fault by the insured. The policy states $280,000, the rebuild estimate is $245,000, and market value is $220,000. Before any deductible or unrelated coverage defense, Wisconsin's valued-policy rule fixes the total-loss value at:
Correct answer: D - $280,000, the amount stated in the policy
Under an unendorsed HO-3 policy, an accidental paint spill permanently damages built-in stair treads and a laptop. The spill is not excluded, but it is not one of Coverage C's named perils. Which property loss is covered?
Correct answer: C - The stair-tread damage, but not the laptop damage
An open-peril homeowners policy excludes wear, deterioration, and corrosion but expressly covers ensuing sudden water damage. A corroded supply line bursts and damages otherwise sound flooring. No other exclusion applies. The best coverage analysis is:
Correct answer: D - The line is excluded; the ensuing floor damage is covered
A DP-2 Broad Form has no theft endorsement. A burglar pries open an exterior door and steals a television. Under the form's burglar-damage peril, the covered loss is:
Correct answer: A - The damaged door, but not the stolen television
A commercial building is worth $800,000 at the time of loss. The policy has an 80% coinsurance clause, a $480,000 limit, and a $5,000 deductible applied after coinsurance. A covered partial loss totals $160,000. How much is payable?
Correct answer: C - $115,000
The WIPA exam also covers these domains. Drill them in the full free practice test:
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